Of course, I was thinking about say insuring it if it was a project car that wasn't actually on the road. Probably should have made it a little clearer!

If you're driving it and bend it without a valid MOT, well I guess you're sadly on your own.

 

 

Quote from the article:

"Amazingly, the driver and all three passengers of the black Honda convertible managed to get out of the mangled vehicle unharmed."

4 up in an S2000?!

 

Gutted for you!

Was the three passengers a problem as well

 

Guess there were a couple of people waiting for a bus after all

 

not that simple imo Graham

unless the policy specifically states that the vehicle must have a current MOT

it almost certainly won't

it will say something like 'you must maintain your car in a roadworthy condition'

so they will have to prove that it was unroadworthy at the time of the accident

this is only fair if you think about it

you have an immaculate car that has low mileage and has been impeccably maintained

you forget about the MOT because you hardly drive the car, then have an accident........

grounds for refusing the claim? I think not

don't give up!!!!

 

Glad you (and passengers) are OK.

From what I've heard, the insurance is more likely to knock a percentage (~5%) off the value rather than just refuse to pay out, but I'm sure there are some experts on here.

 

Fair enough. I've never actually checked that, always assumed it as I believe having a valid MOT does fall under ensuring roadworthy condition (ie the "ensuring" bit). Still, that's a world away from a legal interpretation should it be contested

 

Sorry to hear about this.

It is possible to get a post dated MOT ceritifcate if you speak to the right kind of garage. May cost you more than usual though. ;-)

Nick

 

fraud - don't do it

they'll check for an expensive claim - I should know

Graham - as you know, having an MOT would not be a defence in court against a charge of having a dangerous vehicle

Apart from the moment of issue