whats the law?
06 January 2007, 02:47 PM
#1
whats the law?
can anyone tell me the facts about, mot testing.
my car has no tax or mot, im booked in for an mot next week, can I legally drive the car to and from the mot station?
facts please no guessing.
cheers in advance
my car has no tax or mot, im booked in for an mot next week, can I legally drive the car to and from the mot station?
facts please no guessing.
cheers in advance
, no insurance then your buggered
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06 January 2007, 03:03 PM
#8
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the law states you are allowed to drive directly to the garage the MOT is booked at.........
you cannot get road tax without a valid MOT so it is a bit of a catch 22!
insurance wise you are covered as i used to be a claims adjustor for N.U.D. and insurance companies bear in mind a valid MOT only indicates that the car was road worthy on that 1 particular day of the year! if they received a police report however stating that the car was not roadworthy they could
then reject a claim.
hope this helps
you cannot get road tax without a valid MOT so it is a bit of a catch 22!
insurance wise you are covered as i used to be a claims adjustor for N.U.D. and insurance companies bear in mind a valid MOT only indicates that the car was road worthy on that 1 particular day of the year! if they received a police report however stating that the car was not roadworthy they could
then reject a claim.
hope this helps
06 January 2007, 04:50 PM
#10
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No need james; I'll drive it on my trade insurance if you like? Its quite legal to drive to and from the MOT testing station and although peole always seem to perpetuate the myth here; not tax or MOT doesnt invalidate your insurance.
Simon
Simon
06 January 2007, 04:53 PM
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One further myth: insurance companies cant 'reject claims' against you. They take your money and you hold their certificate; and theyre bound to indemnify you. A claim under the fully comprehensive element of your policy may well be in doubt but third party claims certainly are not.
06 January 2007, 05:38 PM
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One further myth: insurance companies cant 'reject claims' against you. They take your money and you hold their certificate; and theyre bound to indemnify you. A claim under the fully comprehensive element of your policy may well be in doubt but third party claims certainly are not.
The reason for this is that insurers are obliged to meet TP claims under various sections within the 1988 RTA. However, they can recover the costs paid out to the TP motorist from their own policyholder (the reason I know this is because I've done exactly this when working as claims assessor
).
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