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does and out ofdate mot invalidate car insurance
does an out of date MOT invalidate car insurance
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For more on marking an answer as the "Best Answer", please visit our FAQ.This question has come up many times. The only definite answer has to be "Read the policy".
However, my current policy (with Saga) specifically states, as a condition of the insurance, that "Your vehicle must have a current MOT certificate if applicable". I've still got the policy document for my previous insurance (with Kwik-Fit) and that states "Your vehicle must be covered by a valid Department of Transport test (MOT) certificate if you need one by law"
Despite Norman's assurance, I'd be very surprised if many (or even any) policies exist which don't have similar clauses.
Chris
However, my current policy (with Saga) specifically states, as a condition of the insurance, that "Your vehicle must have a current MOT certificate if applicable". I've still got the policy document for my previous insurance (with Kwik-Fit) and that states "Your vehicle must be covered by a valid Department of Transport test (MOT) certificate if you need one by law"
Despite Norman's assurance, I'd be very surprised if many (or even any) policies exist which don't have similar clauses.
Chris
No it doesn't.
As I've posted countless times, the only issue you may have is if you have an accident, and an item that would have been picked up as dangerous or a fail on the MOT causes the accident - ie bald tyres, warped/insufficient brakes.
The Ombudsman will not accept avoidance of a claim on the basis of no MOT unless the above paragraph applies to a claim.
In the event of a total loss or theft claim, you may be looking at a reduction of the pre-incident value to reflect on the lack of a ticket.
As I've posted countless times, the only issue you may have is if you have an accident, and an item that would have been picked up as dangerous or a fail on the MOT causes the accident - ie bald tyres, warped/insufficient brakes.
The Ombudsman will not accept avoidance of a claim on the basis of no MOT unless the above paragraph applies to a claim.
In the event of a total loss or theft claim, you may be looking at a reduction of the pre-incident value to reflect on the lack of a ticket.
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