No MOT at time of crash

lyndcon

Hi all, 
Looking for advice please.
My car was in the MOT centre having had an MOT and failing it. While there and stationary, another driver crashed into my car.
So technically my car has been been involved in a crash while not having a valid MOT. 

Would this affect my insurance if I'm going to make a claim? 
Also a caveat to this is that the MOT expired last week...

Scrapit

It sounds like the mot had no bearing on the crash. Cept that it wouldn't have happened if you didn't go for a mot.

AdrianC

No, it won't invalidate your insurance.

But it certainly WILL affect the value of the car, obviously. It's not just a question of expired, but actually failed... Depending on how bad the fail, and what car we're talking about, that may set the value at anything from scrap value (which it's still worth - no loss...) upwards.

Flatulentoldgoat

This sounds too ridiculous. The real question is to the OP. Why were you driving a car with no MOT? Of course you're now technically guilty of a road offence and you've got years of massively hiked premiums to look forward to. Well done.

DiddyDavies

Flatulentoldgoat said:

This sounds too ridiculous. The real question is to the OP. Why were you driving a car with no MOT? Of course you're now technically guilty of a road offence and you've got years of massively hiked premiums to look forward to. Well done.

To be honest, it's your post that is ridiculous.
Firstly, the OP wasn't driving a car with no MOT as the accident happened at the MOT test centre:

lyndcon said:

My car was in the MOT centre having had an MOT and failing it. While there and stationary, another driver crashed into my car. 

Secondly, even if they were driving, this isn't automatically illegal as provided the vehicle isn't unroadworthy it's still legal to drive to a prebooked test and if it fails, you can drive home again afterwards (again, providing it didn't fail on something that made it unroadworthy).
No points are given for the offence of no MOT so the "massively hiked premiums" are not something that would normally happen if you are only found guilty of driving without a valid MOT.

Scrapit

Flatulentoldgoat said:

This sounds too ridiculous. The real question is to the OP. Why were you driving a car with no MOT? Of course you're now technically guilty of a road offence and you've got years of massively hiked premiums to look forward to. Well done.

What? Someone's left the bag of nonsense open.

KimJongUn88

Flatulentoldgoat said:

This sounds too ridiculous. The real question is to the OP. Why were you driving a car with no MOT? Of course you're now technically guilty of a road offence and you've got years of massively hiked premiums to look forward to. Well done.

Total rubbish.  Non endorsable offence.  Usually £100 fine IF the OP gets picked up on it.  Don't have to declare it to the insurers in future so no "years of massively hiked premiums to look forward to".

Car_54

KimJongUn88 said:

Flatulentoldgoat said:

This sounds too ridiculous. The real question is to the OP. Why were you driving a car with no MOT? Of course you're now technically guilty of a road offence and you've got years of massively hiked premiums to look forward to. Well done.

Total rubbish.  Non endorsable offence.  Usually £100 fine IF the OP gets picked up on it.  Don't have to declare it to the insurers in future so no "years of massively hiked premiums to look forward to".

What makes you think that?

AdrianC

What question do insurance proposals ask that would cover a non-endorsable offence like no MOT, or a parking ticket?

prowla

Flatulentoldgoat said:

This sounds too ridiculous. The real question is to the OP. Why were you driving a car with no MOT? Of course you're now technically guilty of a road offence and you've got years of massively hiked premiums to look forward to. Well done.

It'd be an idea to check your facts...

It is legal to drive a car to an MOT centre and to or from somewhere to be repaired.

https://www.gov.uk/getting-an-mot

It is also legal to drive it away, if it has no dangerous problems reported.

https://www.gov.uk/getting-an-mot/after-the-test

And, regardless of the above and how it got there, it is not illegal to have the car parked in an MOT centre.

 

AdrianC

prowla said:

It is also legal to drive it away, if it has no dangerous problems reported.

It isn't explicitly illegal (in terms of being an MOT offence) to drive away even with a dangerous flag or two, and the garage cannot stop you.

The only MOT offence is keeping a car on the road without a test where one is required - and that's a low-cost (usually £100 FPN) non-endorsable offence.

BUT... If it's been flagged as "dangerous", then it's almost certainly unroadworthy - in which case, it was just as illegal to drive it TO the test centre, or around town the day before, even if the MOT hadn't run out...