no mot......points???
07 January 2006, 04:38 PM
#33
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Originally Posted by pslewis
WRONG!
In court you could present an expert who can state EXACTLY what roadworthy condition the car was in at a certain time, maybe at the time of an accident.
An MOT is carried out by an MOT Mechanic and they are susceptable to many errors as we know ................ even corruption (as is posted on here regarding non CAT friendly MOT testers).
So, the MOT is only a piece of paper to state that at one point in time the car was roadworthy - if you have an accident with a lampost (say) and you carry on driving with a wheel off and jagged metal edges waving around ... you then have an unroadworthy car ..........
Or do you???? as you have an MOT
No, a lack of MOT does NOT invalidate your insurance at all ...... an unroadworthy car most certainlt does!
Pete
In court you could present an expert who can state EXACTLY what roadworthy condition the car was in at a certain time, maybe at the time of an accident.
An MOT is carried out by an MOT Mechanic and they are susceptable to many errors as we know ................ even corruption (as is posted on here regarding non CAT friendly MOT testers).
So, the MOT is only a piece of paper to state that at one point in time the car was roadworthy - if you have an accident with a lampost (say) and you carry on driving with a wheel off and jagged metal edges waving around ... you then have an unroadworthy car ..........
Or do you???? as you have an MOT
No, a lack of MOT does NOT invalidate your insurance at all ...... an unroadworthy car most certainlt does!
Pete
How on earth could you get an expert to prove a vehicle was roadworthy after its been mangled beyond all recognition dream on no court in the land would accept that evidence!!!
In my 14 years as a motor insurance broker i have seen several claims repudiated due to vehicles with no mots FACT!
Perhaps you know better than those motor underwriters mr lewis, or am i just another "keyboard expert"?
Last edited by wilkoca; 07 January 2006 at 04:41 PM.
07 January 2006, 05:11 PM
#34
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Driving a car older than 3 years without a valid MOT in force is a fine at magistrates' court, simple as that. No points. I can't imagine why this thread has got so long.
An recent MOT is NOT a guarantee of continuing roadworthiness. It's simply a snapshot that says that at the time of the test it was roadworthy according to the regulations. If you use a bit of common sense you can see that must be the case otherwise every accident would be blamed on the MOT tester getting it wrong. An unroadworthy car can have an MOT and a roadworthy one can be without an MOT. The MOT itself is not what determines roadworthiness.
An recent MOT is NOT a guarantee of continuing roadworthiness. It's simply a snapshot that says that at the time of the test it was roadworthy according to the regulations. If you use a bit of common sense you can see that must be the case otherwise every accident would be blamed on the MOT tester getting it wrong. An unroadworthy car can have an MOT and a roadworthy one can be without an MOT. The MOT itself is not what determines roadworthiness.
08 January 2006, 12:34 AM
#36
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friend of mine had similar problem got producer and owned up to it had to have car mot,d obviously and then got fined for the same amount of an mot test think it was £40 at time was about 2 years ago, like others have said car can be un road worthy a shortly after having mot done but that doesnt invalidate your insurance for the rest of the year, if its just an oversite of a matter of days and the vehicles first mot im sure it will be a small fine.
08 January 2006, 09:41 AM
#38
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an employee of ours got pulled in one of our pick ups for no seat belt
they also gave him a producer when we got the paper work out the MOT was 3wks out of date ,tested it the next day explained this to the duty officer and we heard no more about it
just do'nt leave it to long or they will think something is dodgey try the truth sometimes it does work
as for the insurance my brother in law set fire to his disco while welding it for the test (honest)it was a month out of date the CIS payed him out £5800.00.
they also gave him a producer when we got the paper work out the MOT was 3wks out of date ,tested it the next day explained this to the duty officer and we heard no more about it just do'nt leave it to long or they will think something is dodgey try the truth sometimes it does work as for the insurance my brother in law set fire to his disco while welding it for the test (honest)it was a month out of date the CIS payed him out £5800.00.
08 January 2006, 12:26 PM
#39
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Originally Posted by wilkoca
In my 14 years as a motor insurance broker i have seen several claims repudiated due to vehicles with no mots FACT!
If it could be proved that a vehicle IS roadworthy then the Insurance cannot refuse a claim .............. which is the point I am trying to make!
I know, I have had a claim paid on a car without a current MOT as it was roadworthy at the time of the incident that gave rise to the claim.
Pete
08 January 2006, 12:43 PM
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my mum got a fine last year for no mot.
failed mot day b4, then her car was parked outside her house due for a retest day after but some young ideot ran into her parked car
police eventually showed up and gave out producers to both parties.
think me mums fine was £60 ish
failed mot day b4, then her car was parked outside her house due for a retest day after but some young ideot ran into her parked car
police eventually showed up and gave out producers to both parties.
think me mums fine was £60 ish
08 January 2006, 06:23 PM
#41
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Originally Posted by pslewis
ONLY if the vehicle was actually unroadworthy!!
If it could be proved that a vehicle IS roadworthy then the Insurance cannot refuse a claim .............. which is the point I am trying to make!
I know, I have had a claim paid on a car without a current MOT as it was roadworthy at the time of the incident that gave rise to the claim.
Pete
If it could be proved that a vehicle IS roadworthy then the Insurance cannot refuse a claim .............. which is the point I am trying to make!
I know, I have had a claim paid on a car without a current MOT as it was roadworthy at the time of the incident that gave rise to the claim.
Pete
Each case on its own merits
09 January 2006, 09:09 AM
#43
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Originally Posted by pslewis
WRONG!
In court you could present an expert who can state EXACTLY what roadworthy condition the car was in at a certain time, maybe at the time of an accident.
An MOT is carried out by an MOT Mechanic and they are susceptable to many errors as we know ................ even corruption (as is posted on here regarding non CAT friendly MOT testers).
So, the MOT is only a piece of paper to state that at one point in time the car was roadworthy - if you have an accident with a lampost (say) and you carry on driving with a wheel off and jagged metal edges waving around ... you then have an unroadworthy car ..........
Or do you???? as you have an MOT
No, a lack of MOT does NOT invalidate your insurance at all ...... an unroadworthy car most certainlt does!
Pete
In court you could present an expert who can state EXACTLY what roadworthy condition the car was in at a certain time, maybe at the time of an accident.
An MOT is carried out by an MOT Mechanic and they are susceptable to many errors as we know ................ even corruption (as is posted on here regarding non CAT friendly MOT testers).
So, the MOT is only a piece of paper to state that at one point in time the car was roadworthy - if you have an accident with a lampost (say) and you carry on driving with a wheel off and jagged metal edges waving around ... you then have an unroadworthy car ..........
Or do you???? as you have an MOT
No, a lack of MOT does NOT invalidate your insurance at all ...... an unroadworthy car most certainlt does!
Pete
Just think about what you're saying - how much do you think a expert witness would cost?
An MOT is required - if you want to drive around without one because you feel you could successfully take on your insurance company in the event of a claim then fine
on your head be it.
09 January 2006, 09:13 AM
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Originally Posted by pslewis
ONLY if the vehicle was actually unroadworthy!!
If it could be proved that a vehicle IS roadworthy then the Insurance cannot refuse a claim .............. which is the point I am trying to make!
I know, I have had a claim paid on a car without a current MOT as it was roadworthy at the time of the incident that gave rise to the claim.
Pete
If it could be proved that a vehicle IS roadworthy then the Insurance cannot refuse a claim .............. which is the point I am trying to make!
I know, I have had a claim paid on a car without a current MOT as it was roadworthy at the time of the incident that gave rise to the claim.
Pete
