mot

[BertiWooster]

If your car is written off , and you cant produce a valid MOT certificate - What legally is your insurers entitlled to do , with respect to your claim for the total loss of the vehicle ?

[Mrs_Pegasus]

They dont have to pay up. Your T&Cs for your insurance should state this.

If the car was on its way to have a MOT then there may be some flexibility but the chances are the insurers are getting so tight these days they will refuse to pay up.

You can get a copy of your MOT from the garage who did the MOT.

[Ethel]

It's not quite that straightforward. If the vehicle was SORN and stolen, and written off by the thieves, of course the insurers will pay up.

They won't pay top whack though, as they have no idea of the condition of the car.

[NORMANTHEDOG]

some insurance companies can and will refuse a pay out ,because if the car had no MOT then it should not have been on the road in the first place.and its very easy for them to check nowadays,but you might be lucky.

[gouldc]

If a component that would have caused the car to fail an MOT (ie bald tyre) contributed/caused the accident that wrote the car off, then the claim can/will be refused.

If, for example, the car was stolen or hit whilst parked, a lack of MOT will have no reflection on the outcome of the claim.

The financial ombudsman will not allow us to repudiate a claim on the sole basis of there being no MOT in force. However, they may make a deduction from your settlement figure to reflect the lack of MOT

[BertiWooster]

Thanks guys

By the way - info was required for work purposes , and not for me personnally .
Nice to see that noone read the riot act .