Am I insured?
#6
I believe there was a case a while back where something similar happened and the vehicle was involved in an accident. As I can recall, and this certainly isn't legal advice, it was argued that as the insurance company had seen fit to take the money they had to provide they agreed cover and, therefore, the vehicle was insured even though the MOT had run out.
Of course the cost and stress of establishing this probably cost someone about 15 years off their life and their pension fund. So caution would probably be the best route. On the other hand if you do drive off a bridge, de-rail a train and get a bill for 300 million you might be in with a chance :-)
Of course the cost and stress of establishing this probably cost someone about 15 years off their life and their pension fund. So caution would probably be the best route. On the other hand if you do drive off a bridge, de-rail a train and get a bill for 300 million you might be in with a chance :-)
#7
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A mate of mine had no mot last xmas, ran his car into a wall, was his fault, no one else involved,car was a write off, he was fully comp & got paid out straight away £1800.. for a nova 1.4sr on a K-plate 140K+, totally standard, with a very well expired mot??
Mmmmnn, insurance companys, sensible bunch
But I would always make sure you have the upto date doc's etc, one less thing too worry about when you get pulled over by the plod.
Mmmmnn, insurance companys, sensible bunch
But I would always make sure you have the upto date doc's etc, one less thing too worry about when you get pulled over by the plod.
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#8
There was some worry a while back that decatting the car would invalidate your insurance due to the fact it wouldn't pass a MOT.
If the above is correct then in theory you are still insured when decatted and would just recieve a £50 fine if found out!?!!!
If the above is correct then in theory you are still insured when decatted and would just recieve a £50 fine if found out!?!!!
#9
I think the stance, if stopped for noisy exhaust or failing roadside emissions, is to request you to take the car to an MOT station for a re-test, within a certain time period say 5 days.
When you pass, provide proof at the Police Staton and off you go!
Of course, you will use the time allowed wisely to get through the MOT won't you!
When you pass, provide proof at the Police Staton and off you go!
Of course, you will use the time allowed wisely to get through the MOT won't you!
#10
Insurance companies require your car to be in a roadworthy condition therefore without an mot they may decline to pay for any damage to your vehicle although they would cover any third party claim (unless you've forget to tell them about mods and claims etc. then they'll just void your policy and leave you to get sued....nice!).
However on a nicer note they'll usually allow tpo cover only to get to a testing station. Don't you just luv insurance.
However on a nicer note they'll usually allow tpo cover only to get to a testing station. Don't you just luv insurance.
#11
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Insurance companies require your car to be in a roadworthy condition
Nate.
PS. I'd still get an MOT certificate though ....... Much less hassle.
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