Police car with fitted Anpr flashed me but didn't pull me over, I don't have mot?

Quentin

Myriddin wrote: »

Most Insurance policies state quite clearly that having no MOT will invalidate a policy. If you're lucky the policy may provide minimum third party cover. If you're not so lucky, and the claim's engineer decides that an accident was a direct result of not having a valid MOT, then you can expect a refusal to pay out.

Here's just one UK Insurance company that spells out the situation quite clearly:

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

Personally, I suspect the odds are in favour of the Insurance Company if one plays Insurance Russian Roulette!

At least you tell us this is your "personal" view.


You are wrong and misleading everyone with your post


If you read up on this issue you will see that it makes no difference what your insurer says about they "may invalidate your policy" if you have no MOT - it's an unenforceable clause, put in by an unscroupulous insurer who would take advantage of a policyholder's ignorance and hope to get away with enforcing it by way of the ignorance


Octagon are trying it on. You look to have swallowed it!

bod1467

As said before, this question has been asked (and answered) thousands of times before.

Whilst no MOT may allow the insurance company to decline to cover the policyholder's claim, the 3rd party cover must remain in place - the company have no choice in the matter.

Quentin

bod1467 wrote: »

Whilst no MOT may allow the insurance company to decline to cover the policyholder's claim, the 3rd party cover must remain in place - the company have no choice in the matter.

No MOT doesn't allow insurers to decline any claim!


The company have no choice over that either.


Those that have it as a policy condition know it's unenforceable, but try it on for the ignorant, and will get away with it if they can.

roddydogs

Police cars with ANPR "Flash"?

HO87

Quentin wrote: »

This is just scaremongering.

Being stopped or caught with no MOT does not mean your car is impounded!

(Only if it is unroadworthy would impounding come into it - and that would happen whether or not there is an MOT in place!)

Thank you for the clarification.

However, I very carefully did not state that the vehicle would be impounded - just highlighted the risk of such action whilst pointing out the obvious that having an MOT in place would prevent that happening.

Why pointing out a risk (however great or small - and that will vary depending on who stops you; where you are stopped and why there is no MOT - has it failed for some reason?) is scaremongering I have no idea? But then I'm sure you have an answer.

Quentin

HO87 wrote: »

However, I very carefully did not state that the vehicle would be impounded - just highlighted the risk of such action whilst pointing out the obvious that having an MOT in place would prevent that happening.....

More misinformation.


You don't get your vehicle impounded for not having an MOT!


(And having an MOT in place isn't a way to prevent it being impounded either!)