Non MOT vehicle parked outside my house

andygb

marvin wrote: »

So much ill-informed opinion MOT is a requirement of valid insurance not sure where you get the idea it is not.

http://www.octagoninsurance.com/guide/tips/mot-means-car-insurance/

email or tweet your local plod with the details and then forget about it.

Thanks Marvin, a sensible answer amongst all the fluff and rubbish.

andygb

POPPYOSCAR wrote: »

Why would you report it? Because it is parked outside your house?
It obviously has not been abandoned as it has been removed and returned.

Do you not see a problem with the fact that a non MOT vehicle has been driven around?

andygb

The obvious facts are, that the vehicle is over six months out of MOT, yet has been driven to our road - no MOT centre here - and then moved again.
The vehicle does not belong to someone in our area (police have confirmed this), so this is obviously in contravention of the law.
I would hope that it is towed away and crushed - but unlikely IMO - so sad.

dacouch

andygb wrote: »

Thanks Marvin, a sensible answer amongst all the fluff and rubbish.

But his answer was wrong.

Insurance is not invalidated by lack of an MOT is a FACT

"13. roadworthiness

Most motor policies contain a specific requirement that the vehicle must be maintained in a roadworthy state. When deciding whether it was reasonable for an insurer to reject a consumer’s claim, we will look for evidence that the loss or damage was mostly likely caused – or was significantly contributed to – because the vehicle was not roadworthy.

An insurer can also reduce a payout on the basis that the vehicle was not in good condition. In these cases, we will look for evidence that the condition of the condition of the vehicle – or parts of it – were poor to decide whether this deduction is fair.

If the vehicle did not have a current MOT certificate, we will consider how likely it was that the vehicle would have passed an MOT test. If we decide – on the balance of probabilities – that the vehicle would have failed the test, we are likely to say that a deduction of up to 10% is reasonable."

http://www.financial-ombudsman.org.uk/publications/technical_notes/motor-valuation.html

The Insurance regulators the FCA say

"A rejection of a consumer policyholder's claim is unreasonable, except where there is evidence of fraud, if it is

(1) in relation to contracts entered into or variations agreed on or before 5 April 2013, for

(a) non-disclosure of a fact material to the risk which the policyholder could not reasonably be expected to have disclosed; or

(b) non-negligent misrepresentation of a fact material to the risk; or

(2) in relation to contracts entered into or variations agreed on or after 6 April 2013, for misrepresentation by a customer and the misrepresentation is not a qualifying misrepresentation; or

(3) for a breach of warranty or condition unless the circumstances of the claim are connected to the breach and unless (for a pure protection contract):

(a) under a 'life of another' contract, the warranty relates to a statement of fact concerning the life to be assured and, if the statement had been made by the life to be assured under an 'own life' contract, the insurer could have rejected the claim under this rule; or

(b) the warranty is material to the risk and was drawn to the customer's attention before the conclusion of the contract.

https://fshandbook.info/FS/html/FCA/ICOBS/8/1 (8.1.2)

It would be ridiculous and completely unfair for an insurer to reject a claim just because an MOT had expired.

If you look on your MOT it clearly states that it only confirms the vehicle was roadworthy on the date of the test.

It's fairly typical of people on MSE to state rubbish and then ignore people correcting them and praise people who incorrectly agree with them

[Deleted User]

I always hate it when that happens. No one parks outside my rear access for weeks, but as soon as I need access to carry heavy stuff in/out, someone decides to park there.

Same when I can be following a car down my back street and the said car suddenly decides to stop outside my house when there are no other cars in the whole street. :mad:

lazer

my car shows up as having no mot when you check but it does have a valid mot the system can't cope with the car being imported from Scotland to NI and getting mot's early. Scottish mot expired in Sept 14, garage i bought the car from put it through a belfast mot centre in July 14, but system doesn't recognise it. Psni have stopped me before and their system does show it has mot.


Also a van will have a psv not an mot

Quentin

andygb wrote: »

Do you not see a problem with the fact that a non MOT vehicle has been driven around?

No.


An MOT doesn't mean a vehicle is roadworthy (if that's the point you are making)


But the problem you have with this vehicle isn't whether or not it has an MOT is it?

Quentin

andygb wrote: »

Thanks Marvin, a sensible answer amongst all the fluff and rubbish.

Marvin has provided a link to an unscrupulous insurance firm who are trying it on.


Not having an MOT does NOT invalidate the insurance!

Quentin

andygb wrote: »

The vehicle does not belong to someone in our area (police have confirmed this), so this is obviously in contravention of the law.
I would hope that it is towed away and crushed - but unlikely IMO - so sad.

What law says that legally parked vehicles have to belong to someone in your area?


What would you like to happen to all the company owned vehicles parked in your area?


They don't tow away and crush legally parked/taxed and insured vehicles just because the adjacent resident wrongly thinks they own the road outside!

RS2000.

andygb wrote: »

The obvious facts are, that the vehicle is over six months out of MOT, yet has been driven to our road - no MOT centre here - and then moved again.
The vehicle does not belong to someone in our area (police have confirmed this), so this is obviously in contravention of the law.
I would hope that it is towed away and crushed - but unlikely IMO - so sad.

Someone local may have just bought it and driven it to and from a test centre.