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Sat enjoying a quiet pint and watch car A try and reverse into a space. Car A nudges against car B, but seems oblivious and pushes car B a couple of inches back.
(We are talking a couple of grand bangers in both scenarios).
Car A decides to drive off.
I mentally take a note of car A and put it into DVLA website to just, well, I dunno..curiosity. No MOT.
Then supping my pint watching the world go by as I think about asking barmaid for a pen and paper in case there’s damage. I then put car B’s number into DVL...you know where this is going, no MOT either.
I take a look around front of car B, bumper is scratched already but looks like car A has added some more.
I just wandered off.
That’s what any sensible person would do, right?
Shop them both for being dicks. No mot, no insurance.
A sensible person wouldn't be putting reg nos into the dvla website in that situation.
Shop them both for being dicks. No mot, no insurance.
This
What you’re suffering from there is scrapathy
Moral Dilemma to report weird thread or not 😀
report them both.
That database can be shockingly inaccurate.
Find a nicer pub.
scrapathy's all very well but what if one of those cars hits a child's baby robin?
We'd be needing an ambivulance
1. As stated the database can be wrong. Took a while to update mine on the last MOT.
2. No Mot doesn’t mean no insurance.
3. The parked car may be in a private carpark, so MOT not really relevant anyway.
No MOT voids your insurance for being on the road
Often repeated but not trueNo MOT voids your insurance for being on the road
https://www.thinkmoney.co.uk/news-advice/is-car-insurance-valid-without-mot-0-5903-0.htm
Oh it’s true.
louise.
Has the pub got a flat roof?
Didnt realise Wetherspoons had beer gardens
Think money, clearly car insurance experts.
What insurance websie Confused.com?
https://www.confused.com/on-the-road/driving-law/insurance-car-tax-mots-and-the-law
Could invalidate is stated in that link.
The insurer probably wouldn't pay out on comprehensive cover on the basis the car wasn't road worthy, however they're legally obliged to cover third parties.
That or value adjusted due to lack of Mot.
Yes could as in it’s true. And yes Ewan they may pay out 3rd party.
You can keep repeating it but it is still not true. It may impact on any claim but it won't invalidate the insurance.Oh it’s true.
Yes could as in it’s true.
Or could as in it might.
I can’t be arsed. Enjoy your truth Drac.
It doesn' invalidate insurance! My van once had no mot for 2 months. It was a genuine mistake, complete oversight. It passed immediately when I realised. Am i also a dick!
No MOT does not invalidate insurance. If it did you wouldn't be able to drive your car to get an MOT.
In the event of an accident insurance would still pay up although the value of your car would be lowered without an MOT.
https://www.gov.uk/getting-an-mot
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You cannot drive your vehicle on the road if the MOT has run out. You can be prosecuted if caught.
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The only exceptions are to drive it:
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to or from somewhere to be repaired
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to a pre-arranged MOT test
The info in your links is incorrect Drac, contradicts itself and the info supplied by the gov.uk website. I'm afraid nickjb and jamesoz are correct.
So you’re saying not the pub then sbob. Cheers for confirming.
What I am saying is that driving without an MOT does not automatically void your insurance, and have helpfully provided an example to illustrate the fact.
I'll invoke Russell's Teapot and invite you to show the legislation from an official government source as a rebuttal.
Now cease misrepresenting me lest I stamp on your toys and call you nasty names.
Unfortunately Drac is wrong.. Having acted for insurers in cases where their policyholders didn't have a valid MOT, I can say with certainty that their policyholders' insurance was not invalidated.
At least, not for that. Deliberately setting fire to their own car, maybe...
But more seriously, the legal position is that if you declare your car had a valid MOT at inception of the policy and it did not, then your insurer could avoid your policy for material non-disclosure. Even that is unlikely in light of the Consumer Insurance (Disclosure and Representations) Act 2012 and the Insurance Act 2015. What is more likely in that scenario is that the insurer would choose to deal proportionately with your claim.
If your MOT expires during the currency of your policy then your car is not immediately unroadworthy; it simply doesn't have a valid MOT certificate confirming that it is. In those circumstances, if you are in a crash your insurer may reduce the amount it pays if the vehicle [b]was[/b] unroadworthy, that fact would have been detected by the MOT and that defect contributed to the accident. If your car was otherwise roadworthy, and the lack of an MOT was simply a failure to have the test but the car was otherwise fine, I suspect it is unlikely the insurer would take issue.
Cheers Jakester, yes I wasn’t detailed enough and just said it was void. It’s clear in most policies that in will have an effect from reduced payout to no payout. It falls under roadworthy which of course could be the same if you did have an MOT but during inspections after claiming they find you drove around with 4 bald tyres. Like you say I reckon if you don’t have on they’ll be more suspect and investigate, especcially if it’s been a considerate length of time.
Meep, meep, meep.
I think we're missing an important point here. Did the OP get the number of the barmaid with the grand bangers?
But more seriously, the legal position is that if you declare your car had a valid MOT at inception of the policy and it did not, then your insurer could avoid your policy for material non-disclosure.
i haven't even noticed that you get asked that question. Although I'm usually more preoccupied with trying to work out what I do for a living and why it doesn't seem to be on any of the drop down menus then try and figure out whether our courtyard is an 'own drive' or a 'carpark'.
We are talking a couple of grand bangers in both scenarios
One man's banger is another man's treasure. And repairs cost the same, regardless of what it is.
It irks me a bit that people do take less consideration around your car because they perceive it to be an old banger, when you've actually put countless hours of labour into it and have a really close connection.
It irks me a bit that people do take less consideration around your car because they perceive it to be an old banger,
try owning a van - old or new. Fresh from the dealer I've had B&Q customers stack paving slabs against the side of it while the load their car
Drac
Cheers Jakester...
What's this? A reasoned, considered and measured response?
Outrageous. Standards are slipping round here. Shocking.
What’s this? A reasoned, considered and measured response?
To be fair, it took being boxed in by several convincing arguments. Lucky no-one got a bumper scratched.
It irks me a bit that people do take less consideration around your car because they perceive it to be an old banger, when you’ve actually put countless hours of labour into it and have a really close connection.
A close connection? What exactly are you doing to this car? Are the seats a bit sticky?
Often repeated but not true
Well that's the title of Drac's autobiography that nobody will ever read sorted
[i]The parked car may be in a private carpark, so MOT not really relevant anyway.[/i]
It may be private land but its accessible to the public, so makes no difference in terms of MOT/Insurance. And you still need to SORN your car if its out of use and sitting on your private drive.
try owning a van – old or new. Fresh from the dealer I’ve had B&Q customers stack paving slabs against the side of it while the load their car
It takes a special kind of idiot to behave like that. Problem is, there seems to be so many about (idiots that don't care about other peoples stuff, not vans)...
<em class="bbcode-em">The parked car may be in a private carpark, so MOT not really relevant anyway.
Well that’s not accurate at all.
Well that’s the title of Drac’s autobiography that nobody will ever read sorted
Go on you may as well have a pop while you’re here I suppose, feel better now?
Well that’s the title of Drac’s autobiography that nobody will ever read sorted
I'd read it.
I'd imagine it would be simultaneously both amusing and absorbing. 😉
I’d imagine it would be simultaneously both amusing and absorbing.
Hahahaha!
And repairs cost the same, regardless of what it is.
Does than mean that a bumper for a ford fiesta is the same price as a bumper for a Ferrari 488?
Does than mean that a bumper for a ford fiesta is the same price as a bumper for a Ferrari 488?
Not far off at Kwik Fit.
A close connection? What exactly are you doing to this car? Are the seats a bit sticky?
They are lovingly cleaned afterwards.
Does than mean that a bumper for a ford fiesta is the same price as a bumper for a Ferrari 488?
That's a bit of an extreme comparison, but if we're to use the original scenario as an example, then I'd expect a respray in a local paint shop to be roughly the same. Patching dents and scratches would be roughly the same. Replacing parts is clearly different, but even then, using examples of every day vehicles, the cost of component parts for a 2018 VW Golf, are going to be roughly the same as that of a 2005 Golf.
That’s a bit of an extreme comparison
I think it was you who said
And repairs cost the same, regardless of what it is.
<div class="bbp-reply-author">spooky_b329
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<em class="bbcode-em">The parked car may be in a private carpark, so MOT not really relevant anyway.
It may be private land but its accessible to the public, so makes no difference in terms of MOT/Insurance. And you still need to SORN your car if its out of use and sitting on your private drive
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Yes, I was probably pushing it a bit there. A Pub car park with no access to the public is a bit pointless. I’m aware of the SORN rules and continuous insurance.
try owning a van – old or new. Fresh from the dealer I’ve had B&Q customers stack paving slabs against the side of it while the load their car
Tell me me about it, was walking back to my van tother day , and witnessed some jumped up Doris try to squeeze her fat twin set arse through the passenger door of a turquoise Evoke, whilst pushing said door into the side of my T5 ( leaving a nice blue mark on it ).
when I asked her why the driver couldn't reverse before she got in the vehicle I was abruptly told "it's only a van" to which I may have momentarily lost my shit and told her she was a effing see you next Tuesday *
My mood lightened a little when she asked the driver (assumed it was her husband) if he was going to let me talk to her like that, and he just glared at her, turned to me and said "I'm sorry".
On checking, the paint came off with a rub and there was no other damage.
Bet she gave him a right bollocking after that though
* this being the same day that someone had scraped the side of my other van and driven off , so I was not in the best of moods.