ChatterBank4 mins ago
Insurance / Mot
Is the insurance on a car still valid if the car has no mot ( when car insurance was last renewed there was a valid mot on car , but mot will run out soon - car is parked on road , but not driveable , due to broken gear box ) . ?
Is it illegal to park car on road without a valid mot certificate ?
Is it illegal to park car on road without a valid mot certificate ?
Answers
Best Answer
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For more on marking an answer as the "Best Answer", please visit our FAQ.If you are driving to a pre-booked MOT test you must be insured. Your insurance, under these circumstances, will NOT be invalid.
I've looked for a definitive answer for the rest of the time but it seems to be a grey area. From Parkers:
Driving without a valid MOT
Driving without an MOT won't always make your insurance invalid. In most instances the insurers will still pay out in full - and if your car is stolen, or damaged, the payout will usually only be reduced to reflect the value of the car without a current MOT.
However, some policies state in the small print that an MOT must be in force. Only in instances where the vehicle has a fault which contributed to, or caused the accident, can the claim be rejected. Driving without an MOT does carry a potentially hefty fine though.
I've looked for a definitive answer for the rest of the time but it seems to be a grey area. From Parkers:
Driving without a valid MOT
Driving without an MOT won't always make your insurance invalid. In most instances the insurers will still pay out in full - and if your car is stolen, or damaged, the payout will usually only be reduced to reflect the value of the car without a current MOT.
However, some policies state in the small print that an MOT must be in force. Only in instances where the vehicle has a fault which contributed to, or caused the accident, can the claim be rejected. Driving without an MOT does carry a potentially hefty fine though.
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I, too, have just checked the small print on my policy and MOT isn't mentioned anywhere. There is a clause that states the vehicle must be kept in a roadworthy condition but doesn't mention MOT at all. The MOT only proves the vehicle was in roadworthy condition on the day it was inspected. It doesn't guarantee its roadworthiness for a full year.