Insurance / Mot

[Bazile]

Is the insurance on a car still valid if the car has no mot ( when car insurance was last renewed there was a valid mot on car , but mot will run out soon - car is parked on road , but not driveable , due to broken gear box ) . ?

Is it illegal to park car on road without a valid mot certificate ?

[hc4361]

Bazille, Baldric's answer says that lack of MOT does invalidate insurance as the insurance is not roadworthy without it.

[Baldric]

I have now,
The man says, "different Companies, different small print"
He thinks it would,
But suggests you give your company a ring to be on the safe side.

[Bazile]

ok - thanks baldric ( and other contributors )

[Spannerfiend]

Why don't you ring your own insurance company. At the end of the day, they are the people who will tell you exactly what YOUR policy says.

Mine, On a Zurich policy, says quite clearly that our car QUOTE: must be taxed and have a valid test certificate, if required by the the age of the vehicle at all times in order for it to be driven or kept on a public highway.

[Prudie]

This has to be the most argued about topic in the Motoring Section. Comes up all the time,l I still don't know the right answer.

[berniecuddles]

his may help
ww.octagoninsurance.com/guide/tips/mot-means-car-insurance/

[berniecuddles]

http://www.octagoninsurance.com/guide/tips/mot-means-car-insurance/

[Baldric]

^^^ not a lot ;-)

[Baldric]

That's better!

[hc4361]

But Parker's says it doesn't

http://www.parkers.co.uk/cars/advice/news/archive/Is-your-insurance-valid/

[hc4361]

This site says it may not
http://www.drivingtesttips.biz/no-mot-invalid-insurance.html

[berniecuddles]

sorry balders lol

[Baldric]

hc, to be fair it says it will and it won't

///Driving without an MOT won't always make your insurance invalid.
However, some policies state in the small print that an MOT must be in force///

[Zeuhl]

You'd expect it to still be valid for any off road claims such as Fire or Theft, but not for any on road claims such as an rta, as it wasn't on the road legally.

[hc4361]

What if the car caught fire because of a fault which the insurers could attribute to lack of maintenance as evidenced by lack of MOT; or the car was stolen from the public highway, where it shouldn't have been as it didn't have an MOT?

Tricky people, insurers

[Bazile]

crikey - there is no black or white is there ?

With respect to validity of insurance , most of the sites refer to
' driven on road ' as opposed to ' parked - car is not driveable '

[Baldric]

What does your Insurance Company say, have you rung them?
That's the important one I would have thought

[Spannerfiend]

Yes yes yes......but HAVE YOU RUNG YOUR OWN INSURANCE COMPANY yet? Several of us have already suggested this.........Only then will you get a 100% answer relating to YOUR policy requirement.

No offence intended, but presumably you are insured?

[ToraToraTora]

right page 42, on the admiral doc is what methyl is talking about. It means they will refuse a claim it does not mean insurance is invalid. You would not be prosecuted for no insurance. It's in the list of "Exclusions" no 9. It is merely telling in advance that they won't pay if your not MOTd its is not invalidating the insurance.