Does no MOT invalidate insurance?

DullGreyGuy

SpudGunPaul said:

noitsnotme said:

diystarter7 said:

DullGreyGuy said:

diystarter7 said:

Aretnap said:

diystarter7 said:

DullGreyGuy said:

The answer is... it depends on their policy wordings. 

Most mainstream insurers dont even mention MOT in their policywordings and so the only impact it can have is the devaluation of their own vehicle when considering a total loss.

Some budget providers do have clauses in the Own Damage section saying that no MOT means that section is void however that doesn't impact your claim against them as that's the Liability/Third Party section.

There are some bottle of the barrel providers who say that they can use no MOT to cancel or void the whole policy... https://quote.onecallinsurance.co.uk/existing_customers/website-documents/getDocument.php?doc_name=1652090033ERS.pdf&_ga=2.106959554.1994661735.1679829765-1759926225.1679829765 for example

Others will point out that the Financial Ombudsman does fairly often uphold complaints about claims being rejected for no MOT even if that's what the policy states as long as there wasn't a defect with the vehicle that caused the claim and that an MOT would have spotted however that is rather moot as a third party cannot go to the Ombudsman.

Even if the policy was cancelled the person still had a valid certificate of insurance at the time of the accident which would make that insurer the RTA insurer. Some insurers admit their RTA obligations straight away and deal with the claim, others make you go through the whole process of establishing them as such. At the end of the day as long as you are letting your insurers deal with it and not attempting to claim directly it's just a matter of duration. 

Hi

Polite heads up

From the AA site

Is car insurance valid without an MOT?

No, not having a valid MOT certificate invalidates your car insurance. So if you drive without an MOT, you're driving without insurance too.The penalties for driving while uninsured include a £300 fine and up to 6 points on your licence.The police also have the power to seize, and in some cases destroy, a vehicle that's being driven uninsured. And if the case goes to court you could get an unlimited fine and also be disqualified from driving.
https://www.theaa.com/mot/advice/driving-without-an-mot#insurance


Thanks

You will no doubt be shocked to learn that search engine optimisation text written by the intern and dumped on websites purely for the purpose of attracting Google clicks doesn't always tell the whole story.

Hi

So the AA wesite inc the full link I posted is total rubbish, is it?

I thought the AA was a highly respected motroing organsation that is trusted by millions

Tnaks

Its worst case scenario focused on the first party.

The OP isnt the first party in this situation and you have to understand the motivation of promoting the worst case scenario to drive positive outcome rather than saying "buy from the likes of DL or Aviva and no MOT is barely an issue" 

Hi

I'm very aware of that and even stated it in an earlier post ie OP does not need to worry

The info from a respected source the AA  plus link was posted because a few of you were arguing about the mot status "invalidating" insyrance

As we both know, worst case scenario, thankfully OP is covered assuming they have at least car and or house insurance

Thnaks

I think they are as respected in the motoring industry as Halfords nowadays!

*edit* oh, looks like diystarter7 is on another enforced break from the forum!

That's number 3. 🤣🤣🤣

How can I only be on number 2?