What is the relationship between the MOT & car insurance?
Answers:
The terms and conditions of a normal car insurance policy state that it is only valid, in the event of an accident, providing your vehicle is roadworthy. A valid MOT would deem the vehicle to be roadworthy.
The fact that she was not at fault though should mean that you won't have any problems claiming against the person that hit her. The fact remains that they were at fault and it is irrelevant whether she had a valid MOT or not - the accident would have occurred anyway.
Even if she was at fault providing you can prove that the car was roadworthy even though she did not have a valid MOT then you should not have any problems either.
I would check to see whether she has Legal Expenses Insurance in addition to her car insurance (most insurance brokers provide this cover free of charge or for a small fee).
If she has legal expenses cover I would suggest you notify them of the claim; not your insurance company as they are more pro-active regarding ensuring the third party pays out quickly and efficiently. There should be no additional costs as this is the whole purpose of Legal Expenses Insurance.
Strictly speaking it could - although you can get your car taxed with an mot cert, and then keep it taxed while your cert expires - it shouldn't be on the road without a current mot certificate. If you keep quiet about it there is a small chance that nobody will ask.
If its taxed then she can blag it and say it was going in for its MOT. You're legaly allowed to drive a car without a MOT has long as you were driving it to the MOT station.
no mot then your daughters car is deemed un-roadworthy ,and as such should not be on the road.
should be on a drive ,garage or private land only
insurance may not pay out . check with your local c. a .b.
Generally insurance company wash their hands. In small shrift it's a writing that insurance is not in force if something happens to the car without MOT. Good Luck, because you have point. Check that shrift carefully
not having an mot renders the car legally not roadworthy, and therefore should not be on the road
any car parked or driven on a public highway without an MOT certificate is illegal and therefore invalidates any insurance.
I think that if a car does not have a valid MOT, then it isn't insured as this is a requirement of the insurance policy
Don't ask the question of your insurance company, or theirs. You didn't realise the MOT was out of date. Nobody is likely to ask for it, so don't tell them.
i would check it out but im sure that if you have no mot then your insurance is void was your daughters car parked as in outside her house or stopped as in traffic lights . that would make a difference
Parked, driving or washing it - you only HAVE to have an MoT certificate for cars over three years old. After that, you have to present the cert in order to tax the vehicle. That's the reason why there are so many untaxed, un-MoT'd and uninsured vehicle on the road!
no it should be fine get it MOT now asap but you are aloud to drive it as long as your going to the mot station and youve also got to prove say if the police asked you or the judge in court when they type your cars details in then youd have to prove that you were going to the MOT station and the only way 2 prove is if youve got a bookin and the people at the MOT are waiting for you !good luck but it should be fine!
The MOT shows that the car is roadworthy.
Legally if the car does not have an MOT certificate your insurance is invalid. She will need to speak to her insurance company as soon as posible.
presumably she was stationary, but on a journey of some sort. If thats the case then her insurance that she holds is most definately invalid. She will have no respite with her insurers for either the car value or indeed their legal team to seek compensation from the car that hit her. You will have to foot the bill for legal costs in claiming against the other driver, and you will also have to take the wrap from the boys in blue for driving a vehicle not certified as safe for the road, and for driving with no insurance.
This 2nd part will happen automatically. Insurance companies have a direct liaison with the DVLA/Police on issues nowadays - they are equally as keeen to have uninsured drivers prosecuted as all insurers contribute to the 'no insurance' fund which pays towards compensating victims of the illegal drivers
Not if they dont find out.
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