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

tinkerbell84

lisyloo wrote: »

I do hope you never get caught out, but I don't believe it's possible to be exempt from it even if you are dilligent and organised (which I am).
e.g. it's quite possible not to realise a tail light or brake light bulb has gone, because you can't see them on your own.

That's what (white) walls and shop windows are for

chappers

raskazz wrote: »

Am I talking in Martian?

No but you are talking in insurance speak to explain a phenomenon/occurance that does actually happen.

I can assure you from fact that I know of two cases where an insurer covered damage to a third party, but not to the insured vehicle ,citing lack of MOT as the reason.The mechanics behind the process are pretty irrelevant.

lisyloo

I can assure you from fact that I know of two cases where an insurer covered damage to a third party, but not to the insured vehicle ,citing lack of MOT as the reason.

I am sure you are telling the truth but what happens in real life and what is "right" are sometimes two different things.

I have won about 6 financial complaints in the past e.g. endowment mis-selling, pension mis-selling, dual ISA/TESSA rates etc.
It's not that I am "unlucky" more that I am not prepared to be fobbed off and fight for my rights.
I am amazed at how often companies try to fobb people off.

It's possible that the insurer was right in these cases but it's also possible that the insured person has been fobbed off by a business that's trying to reduce outgoings.

So it's possible that both of you are right, but one of you is reflecting practical reality more than the other (or rather a reality where people get fobbed off).
Perhaps raskazz is a bit more like me and doesn't allow people to fobb them off, so their version is a bit different to yours.

It's not a judgement on anyone, but an explanation on why there are two different realities here.

If I did have an accident which was clearly and demonstrably not related to the rear seat belt anchorage and my insurance refused to pay out then I'd take them to court under the unfair contract regulations and possibly win my case.

But thanks for letting me know that this is what I'm up against, as in future I can make an informed decision about whether to drive or tow if I ever find myself in that situation.
Clearly going to court is a great deal of hassle which one may wish to avoid even if relatively confident of success.

blossom30

Hi, If the op did not have a current m.o.t certifcate then how can the road tax be valid as to obtain this you have to produce valid m.o.t certificate and insurance documents. This information is all held on a central database now for ease of reference for police ,insurance etc . I think the third partys' insurers will do all their checks as a matter of course wich will not have a favourable oucome for the o.p. as we all know if an insurance company can get out of paying up they will. shrewdal

katiekittykat

I don't get how the OP didn't know he had no MOT I mean its nearly 1 year over due!

*MF*

katiekittykat wrote: »

I don't get how the OP didn't know he had no MOT I mean its nearly 1 year over due!

Alien abduction ...

My guess if I'm following this thread correctly - Martian.



Sorry folks - just couldn't resist

Quentin

shrewdal wrote: »

Hi, If the op did not have a current m.o.t certifcate then how can the road tax be valid as to obtain this you have to produce valid m.o.t certificate and insurance documents.

You only need the MOT to be current for the date the road tax comes into force.

(Did the op claim to have a valid road tax? What difference does having road tax make to the issue?)

blossom30

Quentin wrote: »

You only need the MOT to be current for the date the road tax comes into force.

(Did the op claim to have a valid road tax? What difference does having road tax make to the issue?)

Paying road tax makes all the difference to the law abiding members of the public who are paying it. shrewdal

Quentin

No-one has claimed not to have paid their road tax have they?

You suggested the OP hadn't, but you were wrong - you only need an MOT to buy the tax!

eco123

I thought your insurance isn't valid if you don't have an up to date MOT?

I thought that too.