MOT!!!!!!!!!!

[TWR]

Hi all, there was comment on here a while back referring to your insurance and the MOT, there was a discussion " if your MOT runs out " do you have insurance? Sunday Mirror today with the answer as I had stated at the time, your Insurance will be with held by your Insurers. Just a thought for those that have no MOT think you have insurance.

[tonyav]

Righto TWR, No MOT= no insurance.

[ABerrant]

I do not believe the Sunday Mirror should be held up as the arbiter of truth.

As Zacsmaster states, 3rd Party cover is not affected by a non-existent MOT. As to other claims of damage or theft, they will be handled in accordance with the policy: some insurers may reduce the payout by a fraction, some to a fraction and some may deny all payment.

The moral of the story - check the policy wording and clarify with your insurer.

[TWR]

Good comments so far, the law states any motor vehicle should have currant Insurance for the said vehicle on the Cover note / Policy, a currant Road fund Licence with the vehicle No/ stated on the road fund licence, also A currant MOT Cert!!! It is illegal to use ant motor vehicle on the public roads without these currant up to date documents,!! whos right????

[ABerrant]

It is illegal to use a car without the mandatory certificates etc. but illegal action does not necessarily dictate removal of insurance coverage. If that was the case then as soon as you drove faster than the speed limit your insurance would be invalidated.

It is the insurance providers to specify within the policy the conditions upon which to avoid payment of a claim.

[TWR]

With respect to your answer ABerrant, Its an entirely different thing speeding and the MOT. If someone car was found to be unroadworthy & caused death due to no MOT the Insurance will in my opinion have every right to invalidate your Insurance due to the fact ( The start of your Answer) It is Illegal to use a car without the Mandatory Certs that tell anyone that abides by the Law that the car / van etc should not be on a public road.

[ABerrant]

It is also illegal to exceed the speed limit. Are you saying that some illegal acts should affect insurance but not others?

Also the MOT cannot be relied on in law to prove roadworthiness of a vehicle.

[TWR]

We shall wait to see if there is a definite answer to these Q's, I have not quoted speeding only an MOT I also know that the MOT does not prove worthiness, but it still goes back to the start of you last answer, It will be interesting to here from a police force officer to the requirements on this discussion if there are any on here.

[ABerrant]

It is not the police who decide if a policy is void, it is the insurers i.e. those who stipulate the conditions of their policy.

An insurer can stipulate that they will not pay out where there is no MOT, Road Tax, car is not roadworthy, or whatever they choose, but there is no law which states that all policies will become void because of these legal infractions.

Consider the offence of 'causing death by dangerous driving'. Even a serious offence such as this (maximum 14 years imprisonment) does not automatically invalidate insurance coverage.

[TWR]

To put this Q to rest & thanks for the responce, I have just within the last 5 mins contacted my Insurance comp for the advise needed, the answer was the same as the one given in the first instance, No MOT, NO INSURANCE it does not matter what the circumstances even if the car is Taxed,

[TWR]

To your reply MDoo, your car has to be booked in at a given time, on a given date,

[ABerrant]

Yes, your insurance company say NO MOT, NO INSURANCE and that is their decision. Another company can say NO MOT, NO AFFECT TO INSURANCE.

I return to my original point - check the policy wording and clarify with your insurer.

[TWR]

End of.