Insurance and Mot help

Quentin

Mizqtpie wrote: »

I was only thinking of paying him off just in case he decided to purse against me, meaning I would have to pay £600 excess and the remainder of my 'cancelled' policy. But in reality he is at fault

Unless you get your policy reinstated any successful third party claims against you will mean you will be pursued for the full amount your insurer has to pay out.
(Your excess is irrelevant as far as third party claims against you are concerned)

dacouch

Further to Quentin's post, do not sign any forms the Insurer ask you to sign with out seeking either legal advice or asking on here. They may try and get you to sign a form allowing them to cancel your policy from a date before the accident.

As mentioned in the other thread, your Insurer are in the wrong not youn so your long game should be to get the policy reinstated and your claim paid

Bizniz

Hi,

I was involved in a really slow speed accident last week. I was at fault, just rolled into the back of the person in front. Very little damage to either vehicle but probably a few hundred quid to sort his. As he got out though, he was straight away talking about how it had jarred his neck and this had aggravated an old complaint in his neck. I initially said we should sort it between us as I have a high excess on my policy (£450) but he has phoned me a bunch of times since, asking what I think he should do about his neck. Obviously I gave him no advice but in the end I said we should go through insurance claim as he should make sure it is sorted properly (I also know that a personal injury claim could get expensive). I don't expect to even claim for my car as I just have a bit of his paint on my bumper.
I then realised, this morning that my MOT had expired a couple of months ago (genuine oversight). I had it tested today (first journey since the incident) and it only needed a rear tyre and wiper blades. My insurance company has this "unenforceable clause" about MOT invalidates insurance. Does everything in this and other threads stand in this case? Should I volunteer the info about no MOT? Can you point me to the legislation that covers this from the FSO?
From reading above, it seems to me that this should all be the same but would be reassuring to hear it from someone who knows what they are talking about.

dacouch

The information is correct, the relevant references to the Ombudsman and ICOBS are in the linked thread.

It is unlikely your Insurer will want to see your MOT anyway for this type of claim.

P.S You only pay your excess if you are claiming for repairs to your own vehicle