Does having an out of date MOT invalidate insurance when making a claim?

I had an accident in my car in January and wrote it off, I am in the middle of claiming through my insurance company and have got to the stage where i have to send off all my documents. Ive just realised that my MOT expired in October 2006!
Does anyone know where i stand with the insurance company ? I dont know if this will invalidate my insurance totally or if they may give me a lower settlement, or if I will be liable for the cost of the car and the damage the car caused in the accident. I dont think this can be that uncommon, but i do advise anyone to check there MOT is in date because worst case this could cost me thousands !!!!

James

an out of date mot voids your insurance. you should have checked your mot to see when it was out of date.

insurance companies will find the smallest detail to avoid a payment so basically you are fcuked.

Bardic

Sorry to hear of your problems. I'm afraid the lack of a valid MoT is very likely to invalidate your insurance.

(A "dodgy" MoT isn't going to help, it's all been on VOSA's computer since last March!)

Thanks for reminding us all - I wonder where mine is . . .

john d

Of course it will invalidate your insurance in the eyes of the law your care was not road worthy therefore it should not have been on the road and therefore should not have been involved in an accident

speyhawkzamek

Jill Pinky is a different case the vehicle was not on the road at the time of theft,you i'm afraid were not insuredand best of luck cos your gonna need it

Mick

Yes it doe,s ,

Red

Yes

Mark B

Sorry to be the bearer of bad tidings but jill is wrong and your insurance likely is void.

It will tell you in your insurance small print your car musy have an up to date MOT and tax disc. I'm not sure the situation regarding the other party, however looking at it from your insurers point of view, you didn't hold up your end of the agreement so they will likely not hold up theres.
Its not just a couple of weeks we are talking about here, it is four months.

Welshchick

my mate had the same kinda of thing!
No road tax, no MOT, this, in fact cancels out the insurance!
if you make a claim you must have valid tax and MOT!

WelshLad

It is possible that it may invalid your insurance

GREGNJEN

ooooooooh yes

rob_bert_22

No MOT will invalidate your insurance. You will be liable for all costs.

Louise H

Unfortunately the insurance is only in force if the vehicle is road legal at the time of the accident. No MOT will invalidate the claim and the policy may be declared null and void.

shih tzu lady

Sorry to have to tell you you're up thingy creek without a paddle. Without a valid MOT certificate your car should never have been on the road in the first place. Your insurance company will not honour this claim.

jamie c

u wantbe able to claim but i bet if u go to a garage and pay a bit extra they will make u a false one up

Huw

Oh yes it does affect you.

You are not liable to claim anything at all for the smash.

You could try to go to some garage that does do dodgy MOT's. They may help you out.

Good luck.

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