My mate has just had a lorry revered into his car in a layby.

Totally the lorry's fault and he has admitted liability, however my mate has got no tax or MOT, but has insurance.

So, should he tell his insurance, and if he does will they pay out. Do the need to see the MOT? Or should he pay for it himself ?

 

Don't think MOT or Tax will come into it. Somebody reversed into one of my cars last year and I claimed through my insurance. Big mistake as although I had Protected NCB still penalised at renewal. My advice would be to claim off lorry drivers insurance himself, provided the lorry driver has reported the incident to his employers may just need to send a few letters/quotations.

There are third party companies who will make the claims on your behalf for about £20. If your interested I'll find out name/No.

Mike

 

Why is he on the road if he has no MOT and TAX FFS?

 

With no MOT,is the car roadworthy?If not the insurers will drop him like a hot t*rd.

And it's only a matter of time before one of those new tax evading cameras sniff him out for sure.

 

Car is (was) 100% roadworthy, its only about 1 month out of MOT, but mate going throught hard times.

I know what you mean tho, and it pisses me off too, but he is a mate an all.

Anyhow, he is stuck in Bath at the mo, and needs to get the car home (Wokingham). He has Privilege recovery on his insurance so I guess he will have to give them a ring anyway and let them know.

 

My dad used to have an old Bedford van, someone skidded on diesel in front of him, he locked up and went onto the other side of the road, straight into the path of a brand new E-Class Merc, result...written off Merc and my dads Van was totalled too.

Obviously my dad admitted liability and went through the usual rigmarole of phoning the insurance company etc. etc.
When he rooted out his documents, he found that his Van's MOT had lapsed by just over a month, needless to say he was sh*tting himself as his insurer friend said that in effect his insurance was void, meaning he would have to pay the £27k for the new Merc out of his own pocket, 1 month later (and 2 stones lighter through stress) my dad received a letter through from his insurers saying that as his van was not MOT'd, it would affect it's value from £500 to £350.
Needless to say, he was pretty relieved.

Don't know how much of a problem Tax is, but the above shows that lack of MOT doesn't necessarily void insurance (maybe cos it was only a month) but he keeps a close eye on MOT dates now.

I am in no way advocating driving with no tax/MOT, which is stupid, but at least it's better than driving with no insurance.

Andy

 

going thru hard times!!!

has he thought how hard up he'll be if he gets caught by police/traffic wardens with no tax!!!

car taken away and crushed dont seem worth £75's tax

u said car is roadworthy so a mere £15 will get him a years mot.

I'm sure that different insurers will have different 'laws' on the fact that the vehicle isnt road legal or worthy.
seeing as the car was stationary they shouldnt need to look for defective brakes/tyres etc to try and shift the blame.

i dont recall being asked to produce mot in my experiences.

good luck to ur mate

 

Dont know where you can get an MOT for £15, the Vehicle Inspectorate specifies the charges

 

specifies the maximum charges, to prevent an MOT testing cartel (well, an expensive cartel anyway).

Paul

 

There are places that offer MoT for £15 etc, but look closely at their adverts. They almost always say "Free Retest". Does that mean they'll "find" things to put right???
IMHO of course
Alcazar

 

I've had an MOT done for £15, and it didn't fail on anything.....


also, i made a claim on a car stolen off a road with no MOT/TAX once, insurers never even mentioned /noticed it!

 

Generaly, No MOT means your insurance is void, read the small print.

 

WEll if its stolen or a total loss, the insurance require all dos, including MOT before they pay out.