Will Insurance Pay out if you have no MOT and undeclared Points on your License?

I Crashed my car Into a third party and claimed against my insurance. later whilst looking through my documents I realised that my MOT had Lapsed and that I had not declare 6 Points 3 of which were on my license before I took out the policy. I am worried that One or both of these oversights will invalidate my Insurance and that I will be Liable for the costs of my car as well as the third party's as well as facing possible prosecution
Additional Details
Ok So, Thanks for the responses but you are all mostly wrong. I have it sorted with the insurance company now. They are paying out. What happens is if your MOT is out of date deduct the cost of an MOT. If you have undeclared points and you have not deliberately tried to cover it up eg it was an oversight. Unless it is for drink driving or no insurance. mine were for speeding I had 2 x sp30, 1 before I took out the policy and the other for after. The one for after they just added to the policy. the one for before the policy started they made me pay the difference between what I had paid and what I would have paid had I declared them. £47.25.
What I do find disturbing is that most of you were quick to insult and advise even though you were COMPLETELY WRONG. This is the first question I have logged with yahoo. I know now to take answers with a pinch of salt

David P

You have a duty to report all relevant information to your insurers.

I suggest you discuss it with them, they could take the line that these are material facts and refuse to pay out, but there is a chance that you could persuade them that it was an accidental omission.

crapsake

Sorry mate, but your insurance wont pay out.

witheringtonkeith

if they find out about both of these factors then your insurance is Noll & void

alistair t

if u have not informed the do so sharpis you r not ins your veicale tax it void as well as everything else

willy9788@btopenworld.com

sorry mate but to put it in polite terms yer ******. no mot means not road worthy and there fore breaking the law as no car is allowed on the road with out ah currnet mot and tax and insurance for obvious reasons. also you are ment to inform your insurance company for your points hell you are ment to let them kno once you chage jobs. they use this against you at time of claim ah know one lad that lost out on ah pay out becouse he never told them he had left the army. they will try everything to get out of paying even down to the trim of the car

ben c

youre kidding right of course its going to be invalid.

Mick Davies

You would probably get away with no MoT but they will ask for a copy of your driving licence and see the undeclared points and not pay out. Insurance companies nowadays try every trick so as not to have to pay the claim.

tony750cc

Driving without a valid MOT certificate is a fine only its not endorsable. If you had the car mot'd straight away after you realised it had run out and it didnt fail on anything you could argue it was perfectly road legal at the time, it doesnt automaticvally follow that your insurance wouldnt cover you they cannot simply walk away from liability.
the disclosure part could be a problem its a specific offence under the road traffic act to fail to disclose anything which is a material fact when applying for insurance or to provide false information. you could be prosecuted for this, again it doesnt mean that your insurance is invalid but may give them ammunition to try to claim back any money from you they pay out!!
could you not try to negotiate with the third party without involving insurance?? especially if its not a huge amount of money??

Michelle

No, probably not.
If you have undeclaired points on you licence your insurance company doesn't know about it invalidates your insurance policy. I'm not sure how the MOT will affect it though. However, you may be liable for some kind of prosecution (fine, more points on licence, not sure how serious it'll be) for driving a car without a valid MOT.

You know what they say, you learn from your mistakes. Hope it doesn't go too bad for you

Michelle

Bardic

Rad your policy details very carefully, it just might say that the car has to be roadworthy, not necessarily in possession of an MoT. It's possible that you might be okay, but it's also possible that the insurers may wriggle out because you didn't declare any relevant facts.

your insurance is probaly void i guess but if you have a ford focus im looking for a cheap one if you wanna sell it damaged

WelshLad

Yiur insurance is invalid

lilian c

welcome to the real world!!!
yep youre for it!!

jane H

Your policy will be null in void, either one of these factors would lead to this. The only thing you can do is plead ignorance and hope for the best. Sorry matey.

The original Peter G

Forget about getting comprehensive for your damage.They will probably pay out the 3rd part claim initially but when they find out they will ask you to refund what they have paid out. You may well go on an insurance watch list and have your policy cancelled or seriously revised. Prosecution unlikely, but civil court action probable

PETER M

all you have to do about the mot bit is that if you no some one in that sort of trade is get them to say the car was being taken for a mot when you crashed it i no some one who had the same problem and did this and the insurance payed out but i dont no about the points though hope this helps you

janemull

no pay out from insurance, you knew you had 6 points.

shih tzu lady

You just voided your insurance!

wonderwall222

stupid boy

PHILIP C

mot may be a problem but for the points u dont declare under 6 points

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