pwhittle

friends car was stolen last night. MOT ran out Saturday, booked in today. Can the insurance co wriggle out of it? Not sure if a parked (on the road) car has to be MOTd?

cheers

apples24

iTrader: (1)

not really but they will discount the pay out a small amount

D1CCY

Legally a car parked on the road must have an MOT if more than 3 yr old. As the lack of MOT cannot be considered to have contributed to the theft I don't see how the insurance can wriggle out. If there had been an accident it would be very different.

Scooby Snacks 23

I would have thought the insurance would pay out. How many people continue to insure a car whilst it's off the road (being sold/repaired etc)?

Not only that, but what happens if you take your car for an MOT and it fails? You can't just leave it there can you, you'll have to drive it away. Surely it would be covered then?

pslewis

It will be covered - just say it was stolen from the drive or some other private land.

mightyyid

Unless of course the insurance company thinks ' due for MOT, maybe the owner took it to a garage and it needed so much doing to it to past the MOT they decided to wait a few days and have it stolen' - it could well be the case and I'm sure it has happened plenty of times before.

Just a thought as to their potential way of thinking...

Avi

Exactly what i thought

bartmanuk

no they cant wriggle out of it as it hadnt actually failed an mot, but to be honest they probably wont even check or mention the mot. also if its booked in to the garage then you are legally aloud to drive the vehicle to the mot centre even though it has run out, and your insurance is obliged to cover you for that, he shouldn't have any prob at all IMO.

BM

kbsub

Just had the wife's Polo written off (fire damage) and they have asked for the current MOT before paying out . Also a copy of driving licences , so I presume any undeclared endorsements would be another excuse .
They also wont let me cancel the remainder of the insurance .

bartmanuk

you can transfer it to another vehicle.

BM

kbsub

Yes I know , But we are not buying another vehicle , Plus the insurance as got till October to run , its doesnt work out at a great deal of money but its just the principle .

bartmanuk

if the premiums have been paid in full then you can cancel it, but you are not entitled to any refund as you have already made a claim, but theres nothing stopping you making more than one claim on the same policy, if you get my drift.

BM

kbsub

Well I am paying monthly payments , so I might cancel the DD

bartmanuk

have they paid out yet?

kbsub

Just posted all the necessary documents off today V5 etc
Don't worry I wont cancel the DD till the cheques cleared

bartmanuk

normally they dont pay out until premiums are paid in full, but then they should have told you this when they asked for the mot so with a bit of luck they've forgotten it. good luck with it mate its nice to see someone get one over an insurance company, especially after the aggro ive had over the last 2 days with standard life refusing to pay out on my critical illness policy, but thats another story (and maybe a seperate thread) lol

BM

miff13

I suspect that if you stop paying the premiums they will come after you for the amount you claimed (not the outstanding premiums) as they will be able to claim that you have breached the terms of the policy, and that it's now null and void.

apples24

iTrader: (1)

when they settle they will be deducting the full outstanding amount of the yearly policy fee

kbsub

Why should I pay insurance for a car I no longer own ?

I really hate these insurance companies

Moley

iTrader: (9)

Some companies might deduct your outstanding balance from the payout cheque.

Wouldn't suggest just cancelling the DD. If the companies don't get what is owed they WILL chase you for it, which could result you going to court and getting a CCJ.

MattN

You agreed to insure your car for a set fee. That fee was disclosed when you took out the policy, how you pay it is up to you (DD cheque etc.) but not paying it means they have the option of with holding funds. Also you can suspend insurance so it restarts once you have a new car.

kbsub

BUT I don't own the car anymore ....... what's the difference between me selling the car and not buying another one and then cancelling the insurance ?

I just dont see why I should pay insurance on a car I do not own anymore .

Slight thread hijack going on here ... sorry

GM

You pay to insure a particular car for a particular period. If the insurance company pays a total loss on the policy, there's nothing left to insure so the policy is over.

Where you're paying for your insurance monthly you need to recognise that the entire premium is due at the beginning of the year - the insurance company is giving you credit and letting you pay that off over a year.

The Snug Rhino

are you even slightly serious?????

how about the insurance company say "you only paid 6 direct debits so we'll give you half of the insured value"

pimmo2000

iTrader: (6)

Sorry to go slightly off topic, but my brother sold his car and they said if you cancel it will cost £70, if you leave it til the end of the month it will be free.... he had already paid the months insurance either way

MattN

[QUOTE=kbsub;6748849]BUT I don't own the car anymore ....... what's the difference between me selling the car and not buying another one and then cancelling the insurance ?

QUOTE]


The difference is you haven't claimed.

You bought a service which was, to cover you in the event of loss. You used that service but don't want to pay the premium for it.


Also if you cancelled a policy you don't get a pro rata refund I.e if it has 3 months left and no claim was made you may not get a refund anyway.