Insurance love fine print and rules. I obey as far as I can. I have an MOT. But what about a genuine oversight, car is roadworthy with no defects, tax and insurance in place.  Should that really be no insurance because clause 23, part 2, sub clause iii) says so? Doesn't make a lot of practical sense to me.  What about failed MOts before expiry.....

I have heard and read all this No MOT Insurance Void stuff over the years and the Law,

Well the Insurance Industry never sorted that out, tied up a system so that the DVSA inform Insurers and MIB that there is no current MOT so Insurance Void and should not show as Insured, even for a few days.

Then the able to drive to a Booked MOT without a MOT, is that with no insurance, on the Vehicle or driver while the Insurance Underwriter holds the money paid to insure a car.

So you can buy Insurance for a Offroad Vehicle, or a Vehicle on a SORN, so will they sell insurance for a vehicle without an MOT going to a MOT Station, 

and who is covering 3rd parties.

Do you have a valid MOT_.mhtml

 

Is the OP's now expired MOT vehicle still showing as Insured today, with VOID Insurance.?

http://askmid.com 

Insurers are their own worst enemy, why can they and the Government Agencies not move with the time, 

joined up computing.

Edited 17 November, 20178 yr by Headinawayoffski

You are covered fully to a booked MOT, but for everything else cover is void. 

 

It'll be clearly detailed in your policy docs from your insurer 

"You can however request a text reminder from VOSA by texting ‘MOT’ to 66848. The service costs £1.50 but is far less costly than forgetting."

 

Potentially useful snippet from George's first link...

Gadgetman, what are you saying,

is it that the void insurance becomes valid again as you drive a vehicle off the private land onto the public highway to a pre booked MOT.

The cars insurance is Valid while off the road being repaired, in a garage, on a drive etc, as not yet on SORN. 

The 3rd parties are insured while it is on a drive, garden, garage etc, because if it catches fire it has insurance cover if there is a policy running on it.

And if your Insurance expired at the same time as the MOT & the VED do you just Insure the vehicle to go to the MOT or just Trailer it as Insurers were saying you had to so just a few years back.

 

The Insurers like to say they have invalidated insurance, they will pay out to 3rd parties though because in court they will lose if taken to court.

They may and do then take actions against the Policy Holder that they have as showing still insured.

Edited 17 November, 20178 yr by Headinawayoffski

You'll be covered for TP damages whatever, the issue is whether or not your insurance company will then come after you. That will largely come down to the accident and the state of the car, plough into the back of someone with bald tyres in the rain and you'll be shafted. Have a minor accident and your car is in tip top condition and flies through an MOT and they'd not have a reason to come after you. 

 

IF it was as clear cut as no MOT = insurance void, then each time someone gets tugged by the police for no MOT they'd be impounding the car and doing them for no insurance, instead of giving them a telling off or a FPN. 

 

OP, if you really cant get it in anywhere sooner and your trip to work doesnt involve major roads and motorways I'd not worry too much, providing of course your car is in good nick.

Edited 17 November, 20178 yr by matt1chelski

There are a number of apps that you can input prompts for MoT, VED, insurance, servicing et al, Vehicle Smart being one - other apps are available. 

 

I have programmed at least 5 prompts in Google Calendar starting at 30 days, and working down, for MoT, VED and insurance. 

 

 

Here we ago again about evil Insurers getting out of claims, and the same old pub arguments / urban legends about lack of MOT that are constantly repeated.

 

I know of no Insurer that states this in their T&C’s.

The wording is along the lines of “maintaining  the vehicle in a roadworthy condition “

Never any mention of having a piece of paper issued 364 days ago to say that it was then.

Bbear in mind that the MOT itself says that it is not proof of a vehicle’s continued roadworthiness.

 

If anyone can read their policy and quote to me the wording where lack of an MOT will invalidate the cover I will be delighted to hear it.

 

Instead of glibly repeating the same old “everybody knows “ rubbish let’s have some proven facts (and that doesn’t include links to other random internet sites)

11 hours ago, matt1chelski said:

 That will largely come down to the accident and the state of the car, plough into the back of someone with bald tyres in the rain and you'll be shafted.

 

....... this will apply with or without an MOT 

Someone's not a morning person. 

BJM,

Your old MOT Certificates did say that on them.

So since you like facts, please send a picture of the sheet of paper you get when your vehicle has a MOT saying that.

Edited 18 November, 20178 yr by Headinawayoffski

1 minute ago, Fin69 said:

Someone's not a morning person. 

 

Have a brew Fin 

DOH, 

Sorry, on the bottom of the new one.  My Bad.

 

Wording in a Policy Booklet for a current policy i have.

Edited 18 November, 20178 yr by Headinawayoffski

As George has shown, it’s no urban legend. This is in every insurance policy with no exception, although wording may have slight variations, but it all amounts to the same thing. 

 

Nothing to do with trying to get out of claims, it’s protecting their interest whilst proving you with the insurance in an effort to mitigate their exposure to a claim. 

Also, the insurer has the right to refuse a claim if you do not adher to the T&C’s of the policy you have agreed to. Unlikely, but possible. I have seen it first hand. 

3 hours ago, jars said:

As George has shown, it’s no urban legend. This is in every insurance policy with no exception, although wording may have slight variations, but it all amounts to the same thing. 

 

Nothing to do with trying to get out of claims, it’s protecting their interest whilst proving you with the insurance in an effort to mitigate their exposure to a claim. 

Mine says similar to the pic George posted about voiding, with the exception of traveling DIRECTLY between a booked MOT appointment and the address on the policy. 

Does your policy actually say that and you can drive on the Public Highway without a valid MOT Certificate going to a pre-booked MOT?

Please post a pic of that.  Not disbelieving you, just interested on the exact wording.

Can you say which company that is because that is dead handy.

(Personally i MOT vehicles early and get a 13 month MOT.)

 

Not sure on Registered Keepers Address and where the Policy Holder lives, i never register my vehicles where i live.

if i die in a road accident no point the Police knocking my door, i am dead.

Body donated to science to give someone a laugh, so things need to be moving pretty quick.

 

Where the Insurers say 'VOID', they can say what they like, but that does not actually in this real world that they do not pay out on 3rd party claims, if they need to, if they are not going to fight things out in a court of law,  reason being, because they have to quite often. 

They pay out, then they purse their customer, the one with the Policy that was told in writing the terms of the cover.

Edited 18 November, 20178 yr by Headinawayoffski

Whilst it is seen as a much more serious issue these days, (Many felons who commit one indiscretion, tax, mot, insurance etc, often will have more vehicular faults and will most likely break more rules/laws to boot), I remember getting stopped in the eighties (Era, not speed) For an expired mot and the police officer told me not to worry too much as it was only a maximum ten pound fine, no endorsements... I said to her, "Thats cheaper then the MOT"!  Back in the day, it was commonplace to have the MOT and tax expire and wait another month to renew, making it a 13 month ordeal. Not that I did that sort of thing!!!

Understand how all this dialogue and views can be informative , , a car withourt an MOT or disputed insurance is a risk to all other road users  and persons . plus those in the car , with todays  conjested roads its tantermount to putting a gun to ones head . 

 

On my LV policy"

Section 13 General conditions We’ll provide cover under this policy if you and anyone else covered by this insurance meet all the terms and conditions in this document of car insurance and those shown on your schedule. 1. Care of your car You or any person in charge of your car must protect your car from damage or loss. Alarms, immobilisers and tracking devices must always be on and working when your car is left unattended. Your schedule shows any security requirements specific to your policy. If these requirements aren’t met, this insurance won’t be valid and we won’t pay a claim. You must always take the ignition key or device out of the ignition and remove them completely when your car is left unattended. You should lock all doors and close all windows and sun-roofs. You should ensure your car is kept in a roadworthy condition and you must have a valid Department for Transport Test Certificate (MOT) if one is needed by law. You must give us access to examine your car and if asked, send us evidence of a valid MOT and/or evidence your car was regularly maintained and kept in a good condition.

"

5 hours ago, Headinawayoffski said:

Not sure on Registered Keepers Address and where the Policy Holder lives, i never register my vehicles where i live.

Insurance says it must be at your residing address and it's an offence to not register your vehicle with the DVLA at your residing address. 

 

Or are you going to say Scottish laws differ in this regard? 

http://bbc.co.uk/news/uk-scotland-scotland-politics-38234763 

 

No not saying Scottish Law differs, but Scottish Police do understand when it is explained to that people living alone might have nobody answer the door if in a serious or very serious / fatal accident.

Are they supposed to call in detectives to find next of kin to get the signature for getting organs donated?

 

Your mailing address is just fine, your business address, your holiday home will do if your paying council tax there.

As to residing address, strangely people can live in different places week to week, ask The Queen, her Hubby, her sons.

Ask the Minister of State for Transport, or the PM or any MP. Ask Amber Rudd MP which address her vehicles are registered at.

 

The DVLA are very forgiving as they have so many rules and legislation and grey areas because many of their rules are not in statute law.

As people find out as the years go on and things that are not enforced turn out that they can not be as there are 4 countries that make up the UK.

 

?? 

What residing address do you think Romany Gypsies or Travellers use for their vehicles, and do they notify the authorities where they settle at each stop over?

Edited 18 November, 20178 yr by Headinawayoffski

Insurance cover whilst no MOT is in force is a point that often comes up for debate. For those that need their car, may I suggest a solution- use the month before grace to get it tested.  That way if it fails, then you have a month to put it right .bUT here's the rub, MOST insurance companies do not really mention lack of MOT, but stipulate that car MUST BE ROADWORTHY. So if you pull out on a fresh new MOT and you find you've forgotten to top up washers and MOT used last water, then TECHNICALLY the insurance company might not pay up .

Or are you insured having failed a MOT, but still covered by the old one ? 

Time VOSA /DVLA ET AL got their house in order. If my car fails an MOT for say faulty( opinion of MOT man  ) wiper blade ( as in does not clear screen effectively ), any existing MOT should be rendered invalid, as the car is not roadworthy. 

This random online site explains what if the vehicle fails an 'Early taken MOT'.

Problem with GOV UK / DVSA etc is they change what they advise often.

 

What happened to George Osborne's first MOT at 4 years, is that still under consultation, or just being dropped?

Can you drive your car after an MOT fail if the old test hasn't expired_.mhtml

MoT loophole could see drivers handed £2,500 fine and penalty points _ Auto Express.mhtml

Edited 18 November, 20178 yr by Headinawayoffski