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Someone Shunted Me From Behind - I have no MOT - Forgot to renew it!!!

Joey122
Joey122 Posts: 459 Forumite
Part of the Furniture Combo Breaker
in Insurance & life assurance
Hi All,

I got hit from the back yesterday and its completely the guys fault - I ve just been checking all the required docs and I ve realised that my MOT expired Aug 2007 :(

Does anyone know whether this will materially affect my claim?

I m so concerned about this
«134567

Comments

  • homer_j_3
    homer_j_3 Posts: 3,266 Forumite
    I am not sure and I can find arguments for both. Have you read your policy book for your car insurer?

    A quick google search has found this

    http://uk.answers.yahoo.com/question/index?qid=20070306165129AAGwUdo&show=7

    A quick search on this forum found this

    http://forums.moneysavingexpert.com/showthread.html?t=417682

    I also found this

    http://www.whatprice.co.uk/car/MOT-insurance-tax.html
    I am a Mortgage Adviser
    You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.
  • Quentin
    Quentin Posts: 40,405 Forumite
    If you are certain that this is the other driver's fault, then you could deal with by claiming off the third party's insurers yourself, and not claim from your own insurers.

    They won't be asking for your MOT certificate.
  • nomoneytoday
    nomoneytoday Posts: 4,871 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    If your car is written off it will reduce the payout significantly :(
  • raskazz
    raskazz Posts: 2,877 Forumite
    They cannot reject the claim unless the car was unroadworthy and this actually contributed in some way to the incident. This cannot be the case if the third party was 100% liable.

    The total loss settlement may be reduced to trade value or subject to a percentage deduction.
  • katiekittykat
    katiekittykat Posts: 9,622 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    I thought your insurance isn't valid if you don't have an up to date MOT?
    Friends are angels who lift us to our feet when our wings have trouble remembering how to fly.
  • raskazz
    raskazz Posts: 2,877 Forumite
    katiekittykat wrote: »
    I thought your insurance isn't valid if you don't have an up to date MOT?

    I can assure you that this is not the case.
  • Riq
    Riq Posts: 10,430 Forumite
    When does your tax disc run out?
    "I'm not from around here, I have my own customs"
    For confirmation: No, I'm not a 40 year old woman, I'm a 26 year old bloke!
  • katiekittykat
    katiekittykat Posts: 9,622 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    raskazz wrote: »
    I can assure you that this is not the case.

    Source?????
    Friends are angels who lift us to our feet when our wings have trouble remembering how to fly.
  • lisyloo
    lisyloo Posts: 30,094 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Source?????
    Hi Katie,

    Raskazz is an insurance underwriter and so I'm inclined to believe that he/she is correct.
    Do you have a source for your infromation?

    I'm interested as my car failed it's MOT yesterday (different thread) and I did drive it to a garage for repairs (which I believe is legal and insured - unless I have an accident related to the fault).
  • judy_
    judy_ Posts: 112 Forumite
    Part of the Furniture Combo Breaker
    Hi Joey

    2 years ago I forgot to renew my MOT, my car got stolen and written off. The insurance paid up minus £42.50 to cover no MOT certificate.

    Judy
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