GolfGTIforum.co.uk
General => Insurance => Topic started by: james2 on 09 October 2009, 22:57
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if my mot runs out does it mean its not insured ,it still has tax and insurence :undecided:
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Yes.
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cool i thought it was.... my family had a go saying its not insured and said i cant use it ...they do my head in .... :cool:
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cool i thought it was.... my family had a go saying its not insured and said i cant use it ...they do my head in .... :cool:
If the mot has run out then they are right and you should not use it.
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yes & no so what can i do i need to pick up parts tomorrow, i still have tax and insurence :huh:
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yes & no so what can i do i need to pick up parts tomorrow, i still have tax and insurence :huh:
If you're not running a valid MOT then you're not insured. If the police pull you you'll get fudged, and if you have an accident insurance will almost definitely not pay out due to your car not being "road worthy".
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insurance is void in car is not mot'd
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the ONLY circumstances in which your car IS insured when you have no MOT is when you are driving to a PRE-BOOKED MOT appointment
otherwise your car is not insured... I have just spent four days off the road due to the same circumstances... it isn't worth the risk.
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Usually your insurance isn't void. Check your documents, mine doesn't say anywhere that it is an insurance requirement to have a current MOT
If you get caught it's a £60 fine, no points
edit: found this
Re no MOT invalidating Insurance; Because of section 148 RTA 1988 as to condition of the vehicle, Insurance Companies cannot invalidate a certificate issued as far as making it a criminal offence i.e. to use without Insurance (S145). This does not not however prevent them from taking action to recover certain costs under the civil law.
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The car insurance is void with no MOT as the car is not in a legal to use state for use on British Roads.... The same as it is void if used on the road with no tax (however itis insured still if on private property for theft).
Oh and isn't this thread in the wrong section?? :rolleyes:
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I meant NO it's not insured.
"if my mot runs out does it mean its not insured"
Yes, it means it's not insured.
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Post this up in the insurance forum as it would be nice to get a definite answer from an insurer, we all seem to have different ideas on this and nothing concrete
To throw a spanner in the works how do you insure a car which is on your drive and SORN with no MOT then? Answer, you can as it doesn't matter :wink:
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Post this up in the insurance forum as it would be nice to get a definite answer from an insurer, we all seem to have different ideas on this and nothing concrete
To throw a spanner in the works how do you insure a car which is on your drive and SORN with no MOT then? Answer, you can as it doesn't matter :wink:
You can, but the insurance would only be covering the car for theft. Don't forget, your insurance policy covers you for many things in differing situations...
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I bet it would cover you for everything. Like I said we need an answer from an insurer to clear this up so maybe move it to the insurance forum?
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Right here we go
The answer is NO! An expired MOT does NOT invalidate your insurance even if your car is a write off. As previously mentioned earlier in this thread, under FSA rules an insurer cannot refuse to pay out because of an expired MOT unless they can prove that:
* a fault exists that an MOT would have picked up AND
* that fault contributed to the crash
a lot of interesting info here
http://forums.moneysavingexpert.com/showthread.html?s=a1acab576af55e3a6bcdd43d5b897274&t=417682&page=2
I know this for a fact too as I was knocked off my bike a few years ago and I didn't have an MOT. The insurance was settled and at no time did they ask for the MOT even when the engineer came to look at the bike and write it off.
This isn't to say I condone driving about with no insurance, it was a stupid move on my part
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RING YOUR INSURANCE COMPANY.
Do any of these people on the forum work for your company and have your policy infront of them?
Nope.
But im 99% sure its not insured.
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Your insurance is NOT void with no MOT and is certainally not void with no tax. Your insurer wont care whether the car is taxed or not however as far as no MOT they will have to deal with any third party claim (Road Traffic Act 1988) and will make a case to case decision as far as your own car is concerned. The usual policy stipulation is that the vehicle must be roadworthy which is not the same as road legal. Ive worked for insurers for over 10 years and Ive seen clains paid with no MOT and claims avoided for a bald tyre. Condition is more important than documenation to your insurer. Bear in mind as well they will normally only ask for vehicle documents when dealing with your car as a total loss.
That said dont drive without an MOT its a criminal offence and I believe the police have the powers to confiscate vehicles. If they catch you could be looking at a fine, theyll no doubt check your car over, how confident are you that they wont find something?
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Thanks for the help ,going to book it in on monday as tax runs out end of this month... :drool:
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That said dont drive without an MOT its a criminal offence and I believe the police have the powers to confiscate vehicles. If they catch you could be looking at a fine, theyll no doubt check your car over, how confident are you that they wont find something?
what if your car was being towed to an MOT station and something happened to your car?
Not saying i'm going to try it myself but just curious :)
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Technically you won't be insured if you drive to an MOT station if it's already run out but for some reason it's not criminal according to an MOT tester I asked today anyway.
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what if your car was being towed to an MOT station and something happened to your car?
Not saying i'm going to try it myself but just curious :)
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I think this really depends on how it is being towed, i.e legally or not. If the garage is doing it its likely to be on their trade policy. In any event it is misleading to suggest your insurance would be void because this means the insurers act as though the policy never existed. A voidance could happen if you fail to disclose something when taking out the policy (modification or more likely convictions). A voidance isn't the same as refusing to deal with a claim for example vehicle being unroadworthy, drink driving, racing etc. Here the car is otherwise insured but the insurer has a right to refuse to pay the claim notwithstanding the fact that they would still have to deal with any innocent parties claim in accorance with the Road Traffic Act 1988. (But then they might sue you for the money back once they have done this).
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Best solution; don't worry about it.