is my car insured

[Matty-MK3]

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.

[Wazzzer]

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 

[dubcruiser]

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 

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...

[Wazzzer]

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?

[Wazzzer]

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

[Mikester]

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.

[molegti]

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?

[james2]

Thanks for the help ,going to book it in on monday as tax runs out end of this month...

[Sonic2]

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

[Matty-MK3]

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.