Driving without mot or faulty hire car

Alderbank

Raj899 said:

The car did not have insurance when they handed it over to me and I only discovered this when I did a check online.

You said this is a courtesy car. The normal arrangement is that your own insurance covers you while your own car is off the road.

For example, Moneysupermarket (other references are similar) say:

Am I insured to drive my courtesy car?
You still need insurance to drive a courtesy car. Luckily, if your courtesy car is included in your insurance, your insurer should automatically cover you to drive it. If you’re getting a courtesy car but it isn’t through your insurance, though, it’s essential to make sure you’re fully insured. Driving any car without insurance is illegal, so you might have to buy some extra cover. 

Aylesbury_Duck

How much are you after?

badmemory

This should not have happened in any even half way competent company.  I know a one man band company who would frankly be dying of embarrassment if it had happened with one of his cars. Just very bad management.

born_again

Raj899 said:

The car did not have insurance when they handed it over to me and I only discovered this when I did a check online.

No idea if trade or car hire ins will show in the same was as personal ins. Don't forget that any ins updates are not immediate, can take 72 hours or more. According to posters who work in the trade.

sheramber

Raj899 said:

The car did not have insurance when they handed it over to me and I only discovered this when I did a check online.

You don't need to buy insurance on your rental as all our cars come with Damage Waiver included. This does come with an excess however, so you may want to purchase extra protection

https://www.enterprise.co.uk/en/car-hire/car-and-van-hire-costs-explained.html?icid=carhiretile-_-costs-_-ENGB.Null

p00hsticks

Andy_L said:

p00hsticks said:

Raj899 said:

13 days later enterprise the hire company called me and said that the cars mot is due shortly so can you drop the car to us, for a replacement I said ok.

I can't follow in your account how the situation went from this above, where you were asked to return the car because the MOT was due to this below, where you say that the car did not in fact already have an MOT ?  What made you believe that there was not a current MOT in place, rather than it simply approaching the time where it needed to be reniewed ?  

Raj899 said:

 After discovering the car had no mot they still advised me to drive the car. To my horror I had been driving for 13 days without mot and technically no insurance.

Perhaps it was < 3 years old so didn't have one because it didn't need one?

But if that was the case then why would the OP be 'horrified' that it didn't (apparently) have one ? 

Car_54

Alderbank said:

Agree with above ^^^ but remember that as the driver it is your personal responsibility to ensure the vehicle has a valid MOT just as you must check for bald tyres, working lights, etc.

If you had been stopped by police it is you who would have got points and fine for no MOT.

Quick and easy to check online, just tap in the reg. number https://www.gov.uk/check-mot-status

Fine, but no points for MOT offence AFAIK.

tedted

correct no points

Wonka_2

Raj899 said:

The car did not have insurance when they handed it over to me and I only discovered this when I did a check online.

So what system did you use to check ?

And for the MOT was it genuinely a 3yo car that they gave you ? Or have you misunderstood/misheard and it was a hire/lease car approaching it's mileage limit (often 14k) and they wanted to exchange it for another one ?

Whilst not a regular user of insurance-based hire cars it seems an unusual position - especially for Aviva rather than one of the less reputable insurers