urban

iTrader: (1)

I know there are a few insurance guys on here.

Just wondering, someone I know has had a bit of a bump a day or so and, and has just realised that her MOT expired at the end of January.

What's the deal with her insurance, I'm reading conflicting stuff online, some sites suggesting its a big problem, others suggesting the opposite.

The other person (another girl) initially admitted fault at the scene, but has since changed her mind I believe.
Cops couldn't be bothered getting off their holes and attending as no one was hurt, just told her to get the cars off the road on the phone call.

Moley

iTrader: (9)

Depends on the insurer unfortunately

dpb

Do you not have a period grace anyway ?

DTB

I don't think there's a grace period for MOT's. Depending on the extent of the bump it might be best if she just gets it mended privately - but that will depend on persuading the other person that it's the best idea too...

tarmac terror

iTrader: (2)

Only way to be sure is to check the policy wording, some insurers will use any angle to wriggle out of paying out. But to look at it from another angle;

If you have a valid MOT certificate, and you MOT the car before the date the current cert expires and the car fails its MOT, the current certificate does not get revoked, and the car still can be used on the road (as long as taxed and insured) - kinda makes the MOT process seem a bit pointless.

Because of this scenario, I think no MOT is only used as an angle of convenience for insurers to back out of paying a claim. In my non-expert opinion the decision on whether a vehicle is roadworthy, is a decision taken by the driver each time (s)he gets behind the wheel - driving about on 4 punctured run-flat tyres is legal, and you will be insured, but I would wager that your car will not pass an MOT in that state.

Kaeo

iTrader: (1)

I'm surprised anyone thinks this is complicated. If push comes to shove and the vehicle is inspected because of this, if it is found to be unroadworthy then there's a world of hurt coming. Especially if it can be attributed to being partly to cause for the incident. If not, actually having no MOT is irrelevant.

The insurer can refuse to payout to fix her car either way, if it is a fault claim then the insurer will have to pay out to the third party and, depending on the wording of her contract, may be entitled to claim the costs back from her for breach of contract.

urban

iTrader: (1)

Thanks for the replies.

I think the other party was at fault, but time will tell.
The girl I talk about - I'm pretty sure her car would pass MOT just fine. She didn't get a reminder letter for some reason.

gazzawrx

iTrader: (11)

just tell her to inform her insurance that her car was booked in for an mot and that's where she was on her way to, you need to speak to a garage owner first and get them to book her in for that day and time.

Paben

iTrader: (5)

There is no reminder letter for MoT, only road tax.

dpb

And slip him some readies

urban

iTrader: (1)

In N.Ireland we get MOT reminders, and all tests are carried out in dedicated test centres, not Jimmy's garage like you boys across the water

Kaeo

iTrader: (1)

Not sure how that's relevant in any way? Also jimmys garage? The mot testing exams are pretty robust here including requiring mot testers to have worked on said vehicle type as a mechanic for 4 years full time and have the licence to operate them also. Such a petty thing to come out with.

urban

iTrader: (1)

Someone said there are no MOT reminder letters, I was simply stating that its different here.
I'm not saying that your tests are not robust, I would imagine that the government run centres and your MOT garages test the same things, however there would be zero chance of favours in the government testing centres.
I know that there are decat friendly MOT garages on the mainland for example, You'd not get that here.

So my dear friend - unwind your pretty little self

urban

iTrader: (1)

Update: Insurance didn't seem bothered that MOT had lapsed, they're paying out.

stevebt

iTrader: (8)

I had a car wrote off and my mot was a week overdue, the settlement was a lot lower due to the car not having a valid mot at the time.