insurance and mot

[maggs7]

i had a minor skirmish with a large van last nov, no damage to vehicles or injuries, I gave my contact details as a matter of courtesy. A month later the guy rang and asked me for �300 to mend his door, I refused as there was no damage. In mid January I received a claim from a company claiming he has whiplash etc which I forwarded to my insurance.When I checked my docs my MOT was out of date will this invalidate my cover. Car is fairly new and in ex condition

[saxybecs]

I work in a motor claims dept and my advice would be to talk to your insurance company about it. You need a valid MOT to show you're vehicle is roadworthy and some companies have clauses which could invalidate aspects of your policy or the whole thing. If it was a genuine lapse then as long as you rectify it straight away then normally there wouldnt be a problem but definately check with your insurance as each company has slightly different terms and conditions

[woozer]

I would only tell them about the MOT if they ask !
If they ask and the "minor skirmish" occurred because of a malfunction on your car this could well cause you a problem. But if it was driver error then you might have a basis for negotiation as the absence of MOT would not have any bearing on the accident.

If they invalidate your cover they will still have to deal with the TP claim ( obliged by the Road Traffic Acts as insurer concerned) but would be able to ask you to reimburse them for their outlay.