Help please.. No MOT

lynn44

Hi,
My partner has just smacked into another car,His Fault!!:mad:
We were collecting insurance documents and have noticed our MOT ran out 11th April :eek: I thought it was July when Our tax ran out...Is our insurance void now ?
any advice please ?
He will go 1st thing monday and get mot,Sure it will sail through :rolleyes: it has the last 3...but I am so worried now all the trouble I can be in as Im the policyholder....

Dime_Bar

Car insurance cannot be voided by the insurer for not having a MOT and they will pay out to the third party. However they will take action to recover all costs from you as you had not kept with in the t&c's.

Keith

Dime_Bar wrote: »

Car insurance cannot be voided by the insurer for not having a MOT and they will pay out to the third party. However they will take action to recover all costs from you as you had not kept with in the t&c's.

If it states in the T+C that the vehicle is roadworthy then the insurance company will pay out but at a reduced rate to reflect the lack of MOT.

Conor_3

How can it sail through the MOT if its been in an accident? I take it it wasn't that severe ?

BTW, a lack of MOT doesn't indicate roadworthiness. Look at some of the unserviced heaps under 3 years old that don't need an MOT.

lynn44

Our car has minor damage to front bumper and needs a number plate...Other vehicle needs new drivers door and rear panel (was only 2 door) My partner ageee's it was his lack of attention and so totally his fault !!

KeithP

Go ahead and get your mot on Monday.
Chances are that no-one will notice, if they ask then tell the truth, it was an oversight, and they will probably deal with the claim as you would like.

vaio

Read your policy….

Most policies say “vehicle must be roadworthy” in which case you have no problem

Allegedly some policies say “vehicle must be roadworthy AND must have MOT” in which case you might have a problem

jeannieblue

vaio wrote: »

Read your policy….

Most policies say “vehicle must be roadworthy” in which case you have no problem

Allegedly some policies say “vehicle must be roadworthy AND must have MOT” in which case you might have a problem

As above, read your insurance. Even if it has past the last three MOT's - its no guarantee it will pass this one.

Hope it all works out ok for you. Best to put all dates of anniversaries down in a diary so that you know what is due when.

lynn44

Hi

Yes it sailed through no problem, Thank God,
Because no real damage was done to our car we dont have to pay any excess which is great news....
Thanks for all your help and advice..

raskazz

Not this again (there have been at least 3 recent thread on the same thing, mostly full of ill-informed 'advice'.

I'll go through the important points again.

Firstly, an MOT is no guarantee of roadworthiness at any time other than the time of the test. So a car could hold a valid MOT and be unroadworthy, or a car could have no MOT but still be roadworthy.

Under FSA rules the insurer can only reject your claim if the circumstances of the breach of the roadworthiness condition are connected with the claim - i.e. if unroadworthiness actually caused or contributed to the claim.


To reject the claim the insurer would have to prove firstly that the car was unroadworthy (absence of MOT alone does not prove this); and secondly that the unroadworthiness caused or contributed to the accident.