Pieman2

MoT just run out, can't do it for a few days. Am I still insured?

Brun

I wouldn't think so in the event of an accident!
Not 100% on that one though!

scoobyverysoon

iTrader: (1)

with no valid MOT your insurance is invalid if you get pulled you will only get a £50 fine but dont have a accident or if the worst was to happen and kill someone i wouldent like to guess

my advice would be leave the car at home

regards

Jud

Pieman2

Thanks. Got it booked in tomorrow!

stevebt

iTrader: (8)

your still insured but if you have an accident etc the insurance company will take advantage of the situation and offer £££££ less for the price of your vehicle speaking from experience from forgetting to mot a vehicle aswell

hedgehog

I believe there was a case a while back where something similar happened and the vehicle was involved in an accident. As I can recall, and this certainly isn't legal advice, it was argued that as the insurance company had seen fit to take the money they had to provide they agreed cover and, therefore, the vehicle was insured even though the MOT had run out.

Of course the cost and stress of establishing this probably cost someone about 15 years off their life and their pension fund. So caution would probably be the best route. On the other hand if you do drive off a bridge, de-rail a train and get a bill for 300 million you might be in with a chance :-)

sti555

A mate of mine had no mot last xmas, ran his car into a wall, was his fault, no one else involved,car was a write off, he was fully comp & got paid out straight away £1800.. for a nova 1.4sr on a K-plate 140K+, totally standard, with a very well expired mot??

Mmmmnn, insurance companys, sensible bunch

But I would always make sure you have the upto date doc's etc, one less thing too worry about when you get pulled over by the plod.

ZAZ

There was some worry a while back that decatting the car would invalidate your insurance due to the fact it wouldn't pass a MOT.
If the above is correct then in theory you are still insured when decatted and would just recieve a £50 fine if found out!?!!!

vulnax999

iTrader: (7)

I think the stance, if stopped for noisy exhaust or failing roadside emissions, is to request you to take the car to an MOT station for a re-test, within a certain time period say 5 days.

When you pass, provide proof at the Police Staton and off you go!

Of course, you will use the time allowed wisely to get through the MOT won't you!

Wiganer

Insurance companies require your car to be in a roadworthy condition therefore without an mot they may decline to pay for any damage to your vehicle although they would cover any third party claim (unless you've forget to tell them about mods and claims etc. then they'll just void your policy and leave you to get sued....nice!).
However on a nicer note they'll usually allow tpo cover only to get to a testing station. Don't you just luv insurance.

Nate

iTrader: (2)

Then a car with no MOT certificate can still be roadworthy without the certificate .... As I have been told before, the MOT certificate is only to say that the vehicle was 'roadworthy' on the day of the test.

Nate.

PS. I'd still get an MOT certificate though ....... Much less hassle.