Business & Finance1 min ago
Forgotten MOT
Just found out ran out 2 weeks ago now booked in day after tommorow if I got pulled over on way home tonight and explained the situation do you think any leniency would be shown.
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johnny37 � in response to your statement "committing an offence... invalidates your insurance" �
Being in breach of road traffic law does not invalidate insurance per se. After all most accidents involve some such breach: speeding, driving without due care & attention etc. It is the Ts & Cs of the policy that will dictate reasons to "invalidate your insurance".
The Association of British Insurers (ABI) says that insurance policies will still pay out in full on any third party claims, and in the case of damage to or theft of your own vehicle, payouts may be reduced to reflect the lower market value of a car without an MoT.
Furthermore, if the car has no road tax, the ABI says insurers are still obliged under the Road Traffic Act to pay out for both third party and comprehensive claims. The fact that you are committing an offence by not having tax is irrelevant.
There are policies that insist in the small print that an MoT must be in force otherwise they will refuse to pay other than the mandatory third party claims. It is always worth checking the wording of your policy to understand the full extent of your cover.
Being in breach of road traffic law does not invalidate insurance per se. After all most accidents involve some such breach: speeding, driving without due care & attention etc. It is the Ts & Cs of the policy that will dictate reasons to "invalidate your insurance".
The Association of British Insurers (ABI) says that insurance policies will still pay out in full on any third party claims, and in the case of damage to or theft of your own vehicle, payouts may be reduced to reflect the lower market value of a car without an MoT.
Furthermore, if the car has no road tax, the ABI says insurers are still obliged under the Road Traffic Act to pay out for both third party and comprehensive claims. The fact that you are committing an offence by not having tax is irrelevant.
There are policies that insist in the small print that an MoT must be in force otherwise they will refuse to pay other than the mandatory third party claims. It is always worth checking the wording of your policy to understand the full extent of your cover.
Thanks for that erudtite explanation! I wouldn.t take the chance. It never ceases to amaze me the number of people who say oh, its only a few days/a week/or more. I think my insurance says any car I drive// must be in roadworthy condidtion. How do you know if you havent got the certiciafte to prove it?
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