hello all.with the prospect of an m.o.t.comig up on my rebuilt Disco 1,I wa sdisgusted to fid that the majority of isures refuse to cover a vehicle that has no M.O.T.In view of the fact that it is illegal to drive a vehicle to an M.O.T, test without insurance,this seems rather odd,and as it could tempt someone to go for an M.O.T. witout insurance,I think IT is debatable whetyer they should be compeeled by law to provide insurance cover for te M;O;T; test,amy comments ? for anyone interested,I have been informed by a broker tat Haven Insurance company is one tat will provide Insurance cover for the M.O.T. .
insurance for the m.o.t.
- Thread starter philpridd
- Start date
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DiscoPol
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'ere mate your "h" dunt work
vangellis
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Things must have changed cos I've never been asked if the vehicle I want to insure is taxed and tested.
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Philpridd,
This is just my personal view, I can't speak on behalf of Adrian Flux (obviously there is no underwriter to clarify things at this time of day), but I personally don't see it being an issue if you were to start the insurance for the same day as the MOT and not before.
Firstly, driving without an MOT isn't actually an endorsable offence under section 47 of the RTA 1988. Meaning, you can't get any points, convictions or disqualifications, only a fine. Obviously, if you are on the way to a pre booked MOT, no fine can be given either. In its self, the fact that driving without an MOT isn't endorsable.
Secondly, under section 148 RTA 1988; an insurance company cannot invalidate a issued certificate to the point of making it a criminal offence, ie. driving a car that isn't insured to cover a third party risk, however, this does not prevent them from recovering costs from a third party payout via a civil law suit.
In short (and subject to my opinion), yes you can insure a car that isn't MOT'd, but you will only be receiving third party only cover until the MOT has been carried out regardless of the cover type you have paid for. Yet despite being covered, the insurance company are able to 'sue' you for the amount paid out were there to be an accident.
Has this helped at all?
Bed time for me,
Ed
This is just my personal view, I can't speak on behalf of Adrian Flux (obviously there is no underwriter to clarify things at this time of day), but I personally don't see it being an issue if you were to start the insurance for the same day as the MOT and not before.
Firstly, driving without an MOT isn't actually an endorsable offence under section 47 of the RTA 1988. Meaning, you can't get any points, convictions or disqualifications, only a fine. Obviously, if you are on the way to a pre booked MOT, no fine can be given either. In its self, the fact that driving without an MOT isn't endorsable.
Secondly, under section 148 RTA 1988; an insurance company cannot invalidate a issued certificate to the point of making it a criminal offence, ie. driving a car that isn't insured to cover a third party risk, however, this does not prevent them from recovering costs from a third party payout via a civil law suit.
In short (and subject to my opinion), yes you can insure a car that isn't MOT'd, but you will only be receiving third party only cover until the MOT has been carried out regardless of the cover type you have paid for. Yet despite being covered, the insurance company are able to 'sue' you for the amount paid out were there to be an accident.
Has this helped at all?
Bed time for me,
Ed
Last edited:
essexpestcontrol
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I thought it was ok to drive to and from an mot station without insurance
I believe that you can drive to a pre-booked MOT appointment, without a current MOT. I don't know if you can drive back if it fails.
You can never drive without insurance. Simples
tdfive
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You can, to and from the test station, My old D2 V8 failed on the cats, got pulled over by a lovely female officer, she nagged me not to be driving it round or taking any scenic routes, just drive it straight home. Bitch.
tdfive
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No, you can drive it to and from an mot station if it doesnt have any tax, as long as its booked in for its mot, makes sense as you cant tax it without a valid mot.
Optimus Prime
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hardly, she was just reminding you of the law. If she was being a bitch, she would have slapped a prohibition notice on you for having a defective exhaust, then the vehicle would have to be recovered to a place of repair and then retested before the prohibition notice was lifted which would then involve extra expense and aggro for you, not to mention a walk home.
If all she did was tell you not to be taking the long way home, you did ok.
SteveD
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So basically they will take your money but leave all the risk with you?
Fantastic deal.
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