can I claim on car insurance if the car failed MOT the day my car contents were stolen?

jagger86

Right so, I took my car for an MOT yesterday. It failed and is booked in to have the handbrake looked at on Monday.

On the way home, I did quite a few errands as I had the day off to take the car for MOT.

I went to tesco and changed money into euros for a holiday in August (I had done a car boot at the weekend so wanted to change the money) also paid £200 on my card and got about 300 euros.
I had £100 already in my purse for food shopping. I took my passport for ID. I also picked up our daughters birthday present which was a new bike from tesco direct.

I picked the kids up from nursery and took them in home.

I have gone out to the car and everything has been stolen!!! I am absolutely devastated. The car was locked so think they've managed to access it somehow!? I have no idea. I didn't want to believe it but its all gone.

Is my car insurance invalid because of the failed MOT?

spadoosh

Yes its still valid.

You need to inform your insurers as soon as possible though. They will probably want a crime number from the police.

stator

When does the cars current MOT run out? Just because it's failed a new MOT doesn't make the old one invalid.

But does your car insurance really cover theft of cash from vehicle?

tacpot12

Have you used the MOT testing station previously? There is a small chance that someone at the testing station has cloned your car key. I would include the fact that a key was out of your possession during the MOT when you report the theft to the police.

System

Didnt the rules change a while back ? where if you car fails the rest of the previous MOT is invalid.


TAKE MOT-E The MOT loophole that can get you a £2,500 fine and three penalty points as tough rule changes come in to force next month

British drivers are putting themselves at risk of a hefty fine and a driving ban for making this common mistake when taking their car in for an MOT

By Dan Elsom and Dean Adams
2nd April 2018, 9:35 am
Updated: 4th April 2018, 9:27 am



BRITISH drivers could be stung by police for having a new MOT test carried out before their current certificate expires.
Stricter MOT tests are coming in next month and motorists are being warned over fines of up to £2,500 for failing a test and continuing to drive their motor until the previous certificate runs out.



Motorists could be subject to fines if they take their car in for an early MOT Many drivers put their car in for an MOT early to find out if any faults need repairing, thinking they can still use the vehicle until the old test runs out despite any discovered issues.
But if their car fails, it's immediately recorded on the national database as no longer road legal, regardless of how long the previous MOT's validity has remaining.
Under new rules being introduced from May, problems will now be classed as dangerous, major and minor - with cars listed with a "dangerous" or "major" defect automatically failing the MOT.
While "major" issues can still mean the car is safe to drive, "dangerous" motors should not be driven at all. Either way, cops can slap you with a fine for driving with an invalid MOT or a having car in an unsafe condition.

wongataa

CHRISSYG wrote: »

Didnt the rules change a while back ? where if you car fails the rest of the previous MOT is invalid.

No. The rules are the same. If the car is not roadworthy it is not allowed on the road. The MOT status doesn't matter. Your MOT is valid until the date on the certificate from the last MOT test.



MOT tests have always been able to highlight aspects of a car that would make it unroadworthy.

rs65

Have a look and see what the limit is on theft from your car. It may be something like £100. Then check your home insurance.

stator

CHRISSYG wrote: »

Didnt the rules change a while back ? where if you car fails the rest of the previous MOT is invalid.


TAKE MOT-E The MOT loophole that can get you a £2,500 fine and three penalty points as tough rule changes come in to force next month

British drivers are putting themselves at risk of a hefty fine and a driving ban for making this common mistake when taking their car in for an MOT

By Dan Elsom and Dean Adams
2nd April 2018, 9:35 am
Updated: 4th April 2018, 9:27 am



BRITISH drivers could be stung by police for having a new MOT test carried out before their current certificate expires.
Stricter MOT tests are coming in next month and motorists are being warned over fines of up to £2,500 for failing a test and continuing to drive their motor until the previous certificate runs out.



Motorists could be subject to fines if they take their car in for an early MOT Many drivers put their car in for an MOT early to find out if any faults need repairing, thinking they can still use the vehicle until the old test runs out despite any discovered issues.
But if their car fails, it's immediately recorded on the national database as no longer road legal, regardless of how long the previous MOT's validity has remaining.
Under new rules being introduced from May, problems will now be classed as dangerous, major and minor - with cars listed with a "dangerous" or "major" defect automatically failing the MOT.
While "major" issues can still mean the car is safe to drive, "dangerous" motors should not be driven at all. Either way, cops can slap you with a fine for driving with an invalid MOT or a having car in an unsafe condition.

No, the rules didn't change but a lot of copy-and-paste journalists have been misleading people into thinking they have!!!

marlot

The MOT rules haven't changed, though DVLA tried it on. If you look on the motoring board i posted a link to an explicit DVLA confirmation that the previous MOT remains valid.


Check out F450GWB at https://www.gov.uk/check-mot-status

Then look at the MOT history at https://www.gov.uk/check-mot-history

It's from a different thread on the motoring board - an MOT pass, followed by a catastrophic fail. You'll see that the pass remains valid.