I'm Really Worried I Have Upset My...
Family & Relationships1 min ago
Car tax.
7 Answers
Does a car have to be taxed when it is only being driven to and from an MOT centre?
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Insurance will get out of paying money in any way possible and if you are involved in any accident or police pull you in and check your insurance for any reason and they are told that you have no tax they can tell the police you are not insured as you agree to the contract when becoming insured that they only insure your car on the road as long as it is taxed and MOT. So if the police want to be funny with you and so do the insurance they will be. In most cases you would not have this problem,you just get everything sorted a.s.a.p but there is that slight risk.
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Insurers have always employed loss adjusters to safeguard their liability in regard of claims. The need to use loss adjusters would be greatly reduced if policyholders didn't lie (or conveniently forget to tell the whole truth) in an attempt to defraud.
It's a very simple formula - if you tell the truth, make sure you understand the conditions of the policy and adhere to those conditions, then your claim will not be reduced.
It's a very simple formula - if you tell the truth, make sure you understand the conditions of the policy and adhere to those conditions, then your claim will not be reduced.
Sorry, RAV 1D, but you are mistaken.
As I and other have explained many times on AB, uUnless it specifically says so in the Terms & conditions of the policy, having no Vehicle Excise Licence will NOT invalidate insurance. Even if such a term is included it will not apply to the compulsory “Third Party” element of the policy but only to any additional cover such as Fire, Theft or Accidental damage to the insured vehicle. Insurers are only allowed to void Third Party insurance in very limited circumstances such as when the driver is disqualified. Similarly lack of MoT will not affect compulsory insurance.
Note that MoT and Road Tax offences are usually dealt with by way of a fixed penalty. If lack of either of those two automatically invalidated the driver’s insurance and the police “wanted to be funny” by laying the far more serious charge of No Insurance I’m sure they would. But they don’t. You can also see this demonstrated by visiting your local Magistrates’ Court on traffic day. Here you will find drivers appearing charged with either no tax or no MoT who have for one reason or another not been dealt with by way of a fixed penalty. You will find that there too drivers are charged only with the Tax or MoT offence and they are not automatically charged with No Insurance as you suggest.
As I and other have explained many times on AB, uUnless it specifically says so in the Terms & conditions of the policy, having no Vehicle Excise Licence will NOT invalidate insurance. Even if such a term is included it will not apply to the compulsory “Third Party” element of the policy but only to any additional cover such as Fire, Theft or Accidental damage to the insured vehicle. Insurers are only allowed to void Third Party insurance in very limited circumstances such as when the driver is disqualified. Similarly lack of MoT will not affect compulsory insurance.
Note that MoT and Road Tax offences are usually dealt with by way of a fixed penalty. If lack of either of those two automatically invalidated the driver’s insurance and the police “wanted to be funny” by laying the far more serious charge of No Insurance I’m sure they would. But they don’t. You can also see this demonstrated by visiting your local Magistrates’ Court on traffic day. Here you will find drivers appearing charged with either no tax or no MoT who have for one reason or another not been dealt with by way of a fixed penalty. You will find that there too drivers are charged only with the Tax or MoT offence and they are not automatically charged with No Insurance as you suggest.
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