Does no MOT invalidate insurance?

J66998821

Our car was written off in a nasty accident which also damaged our house. 

The driver does have tax and insurance but there’s a question about whether they have a valid MOT. 

If they are found not to have an MOT does this mean insurance is invalid? 

Where do we stand if that’s the case? Feeling slightly sick right now. 

Is there any possibility DVLA website could be wrong re MOT details? 

Nobbie1967

No, their insurance is still valid. The only impact would be on the valuation of their car in the event they claim for a total loss on their insurance where it would be down valued due to the lack of MOT.

Typhoon2000

The third party liability is not affected my lack of an MOT,

J66998821

What a relief! Thank you 

35har1old

J66998821 said:

Our car was written off in a nasty accident which also damaged our house. 

The driver does have tax and insurance but there’s a question about whether they have a valid MOT. 

If they are found not to have an MOT does this mean insurance is invalid? 

Where do we stand if that’s the case? Feeling slightly sick right now. 

Is there any possibility DVLA website could be wrong re MOT details? 

Checkout compare the market web site

J66998821

Oh dear I’ve checked compare the market website and it pretty much says that we are unlikely to be able to claim from the other drivers insurance. Their insurance would be invalid without an MOT. And we might need to claim from the driver directly. But what if they don’t have any money? Unfortunately we are talking extensive damages. What a nightmare. 

Is there any way that the dvla site to check for valid MOT could be incorrect? Eg if the person had a personalised number plate and the MoT was listed under the original rather than the personalised plate? (clutching at straws here!) 

BikingBud

What about your household insurance and do you have legal cover?

I would expect that they need to know and they can advise effectively.

Grey_Critic

You claim through your own insurance = you can sue the other driver for any uninsured losses and such.

Keep_pedalling

Why are you so worried, if the worst comes to the worst you will be covered by your own insurance policies (car and home). It will be down to them to try and recover their costs from the ‘uninsured’ party not you.

tedted

see pattersonlaw for the correct information

sheramber

A Google search will give you as many yeses as nos.

It will depend on the terms of his insurance policy.

If you know his insurance company you could check the policy information.

But, as said, that is a problem for your insurance companies.