Does having an out of date MOT invalidate insurance when making a claim?

[Kimba_100]

I had a minor prang the other day in my car. It was my fault and we checked our cars on the side of the road. We couldn't see any damage to the other persons car at the time apart from a small piece of rubber had come loose from his rear tyre rim and I had a small dent in my front drivers side on the bonnet with rubber marks. We swopped numbers and I thought no problem as I am insured fully comp with protected no claims bonus. However, when I got home that evening I checked my documents and realised that my MOT had run out 16 days earlier. I had the car MOT'd the next day and it passed no problem. I had tried to call the guy the day after to see what the damage was but he didn't pick up and as he hadn't rung me I presumed that that was that. I got a call from his insurance company today asking me to contact mine, but what I don't know is if my lack of MOT at the time will invalidate my insurance? Can anyone advise? Thanks x

[pauln90]

In a situation like this no.

It would only be an issue if the accident was caused by a major mechanical fault which had rendered the vehicle unroadworthy before the accident.

[LOZZER1]

Hi
Depends on the insurance company, if they wanted to be awkward i think it could invalidate your insurance, i would just send the new document off and see if they pick up on it, having said that i would be suprised if his insurance company asked to see the MOT cert...good luck

[gouldc]

No MOT does not invalidate you insurance - never has, never will. As pauln90 correctly advises, it would only be an issue if an item that would be tested during the MOT was the cause of any subsequent incident.

If your vehicle was subject to a total loss or theft claim, then the insurer may reduce your offer in those circumstances

[Ethel]

Because of section 148 RTA 1988
as to condition of the vehicle, Insurance Companies cannot invalidate a certificate issued as far as making it a criminal offence i.e. to use without Insurance (S145).

This does not not however prevent them from taking action to recover certain costs under the civil law. There was a case of a ,minor accident where the driver had a bald tyre and no MOT. The driver was not charged with using without Insurance. The third party was paid out but the sum was recovered from the driver by the Insurance Company at County Court.

[NORMANTHEDOG]

insurance companies will use any trick in the book to not pay out,as your car was not moted,then it should not have been on the road therefore if the insurance company did find out,then im pretty sure they would not pay out.

[david1702198]

gouldc are you not contradicting yourself a bit here?? the fact that the insurance company would only persue no mot if the cause of the accident was due to an item that should have been tested during the mot. the chances of a mechanical fault occurring which would cause an accident not being a testable item in an mot is remote in my opinion.and also i think the insurance should refuse to pay out if there is no mot as the piece of s h i t shouldnt have been on the road.