CLAIMING INSURANCE ON CAR WHICH PROBABLY WRITE-OFF, but have no valid MOT certificate and got a producer?

starlet108

Nothing you can do now - I dont think insurance will pay out and it'll be a few points on your license from the police xx

Dry Dreamer

Your mate is up the proverbial creek he should not have been on the road without an mot and the police may well prosecute him and his insurance co. will not want to know

ann w

sounds like he is trying to "bull" his way out of it! the dealer would have a record of what it was booked in for and so would be able to confirm or deny his story but it does not change the fact that he was driving without a valid mot and is responsible for the offence. the insurers would say that as he was driving without mot he was not insured!
be honest with the insurance company, they might accept the oversight! the police will only "do" the driver for the lack of mot. points + fine.

bennybullfrog

O deary me i think he's in deep poo-poo serves him rite for trying to avoid legality you could always try to buy a dodgy form i think they are about a 20 quid not that i would know Honest.

Bealzebub

Police should ask to examine the car. If it has no faults that could have caused the accident then he may be liable for driving the car without a valid MOt which may cost them 3 points, but the insurance cannot claim the vehicle was not roadworthy simply because the MOT certificate was not valid. If it is deemed safe by the police then the insurance is valid. A car can fail an MOT as soon as it leaves the MOT test centre, as long as it passes on that 1 moment it's legal. If the police test centre examine it and say the lack of an MOT had no contribution to the accident it's still covered.

douglasshade

hi,
most of what i can add has already been said but you do have a few options that you could try. Firstly, your pal should not have used his car on the road without a valid MOT certificate but on VOSA documents (VT30) they do state that you can drive your vehicle to an MOT station for the test and also to a place of repair providing it has been pre-booked. You also have the right to drive your vehicle home providing it has been in for an MOT or a place of repair. On a point of law, not having a current MOT certificate is a non endorsable offence but you will be fined or a fixed penalty issued. So on to the main part of this reply, if you were on your way home from the mot station or your pals garage after some repairs were made to your vehicle then you have a reasonable excuse to be on the road ( Police situation )
For your pals sake, I hope the other driver admits liability for the accident and you are not required to produce your mot.
GOOD LUCK

c.j.davies

This is the loophole the insurance company will be looking for to avoid paying out.

Barking mad

Facts. The vehicle did not have an MOT which can make the insurance invalid. At the Police Station, he will probable be reported for no MOT, but it just a caution. The ins. company will get a report from the police and see there was no MOT.
The only way out is for the garage to give him an MOT, but I doubt it.
Whether the Ins. company pays out is up to them, but they always look for a get out clause, so things do not look good, but I think you know that. Sad story, similar things happen all the time though.

If the car's MOT was valid at the time of the crash then he's ok, but If the car's MOT expired before the crash then insurance is null & void

Phish

Oh dear, how sad, never mind, your mate is about to get a very large bill for any and all of the damage that occured as his car was unroadworthy owing to not having a current MOT certificate. He may also be charged with driving said vehicle and obtain a conviction which I hope is both expensive and painful.

A pathetic excuse for having no MOT. Complete bollocks.

It also seems that 'your mate' has changed into 'you' by the end of the question. You're a pathological liar.

Vinny

This could be a big problem. Insurance Co's will do anything to avoid payouts. They love to take our money but don't like paying out. They will probably see no MOT as an easy get out.

The cops might charge him 4 driving with no MOT

Sorry its not better news. You may have some kinda claim against the garage tho.

wisernow

Anyone suggesting a backdated mot has not kept up with current draconian methods now used by the dvla for mot testing. I am telling you that there is no chance whatsoever of having an mot backdated by as little as 5 minutes. Testing stations do not forget to do mot's, the reason being they are only allowed 1 test per hour and they have to log on and record the vehicle details or forfeit the test period, which means a lost test and another hours wait until the next test. With regards to the insurance claim forget it, whoevers fault it was your to blame for being on a public highway with no current mot cert', if your very lucky you may be able to persuade the other driver not to make a claim from the insurance company thus saving some no claims bonus. As for the police prosecution, it will probably happen because it involved an accident. Just put it down to experience and take it manfully, oh and don't try to lay the blame on the garage it will not wash with the police they hear it several times a week. Sorry but the facts speak for themselves.

DIAMOND_GEEZER_56

Your friend wouldn't happen to be yourself? It wouldn't supprise me if it is you. Looking through your question and your words, I feel that you made the boo boo and is trying to put the no mot blame on the garage, was it booked in for an mot as well as a service? if so and u r tellin the truth then it should be in their diary, if not you or ur so called friend will lose the car 4 starters As insurance companies do anything to stop paying out.

Hope ur genuine, and if so u may get help if you can prove it was sent in 4 mot and that u 4got.

funky munky is back

My car was a right off after an accident, and my insurance wanted back the mot certificate, insurance certificate and the tax disc and documents V5 I think to say the car was to be scrapped. This was beginning of November, and they would'nt pay me out until they got everything. Good Luck

Russell

Insurance is Void

button moon

well thats what you call bad luck!

ginger

sorry but hes probably stuffed, insurance companies will find any excuse not to pay

JOHN R

get your self a good lawyer & start praying for the best & also check with Driver and Vehicle Licensing Agency (dvla) www.dvla.gov.uk

jester67

See if you know anyone that does M.O.Ts.i.e small independent garage,get it done b4 monday and slip them a few quid to get the mot back dated to b4 the accident and bob's your uncle.

NEMO

have the dealer write a letter stating they did the MOT but forgot to stamp the log book show them the invoice and letter you should be ok LOL

Stevie mac

don't know the value of the motor but if the car in that good a condition maybe a chat to the garage mot people with an emphasis on the prob their fault ..don't mention accident but maybe suggest they levy an extra surcharge to compensate them for any "administration costs" in producing the appropriate mot?

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