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  1. #1
    Official RnS Addict scottie's Avatar
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    how many times have you heard ,,,,,,,,,,,,,,,,

    .............no mot means no insurance

    well , a family member had a bump, council van ran into them, traffic police turned up, done their buisness, i was just about to tow the car away when the police came over and informed us the MOT had expired , driver was charged, given £100 ticket and we towed it away


    anyway, the insurance paid out today

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    Stroker Kustom Jim's Avatar
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    A result, bit harsh by the fuzz though.
    Had a Commer van in the family circa 1982 and it got totalled, hit n run.
    Cops let us off thru pity even though it had nowt legal. Just got rid of it. :-(
    "We should take comfort that while we may have more still to endure, better days will return: we will be with our friends again; we will be with our families again; we will meet again."

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    Official RnS Addict 60minx's Avatar
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    If the council van ran into them then surely the claim was from that van's insurance for damage caused?If the claim was from their own car insurance then the insurance company probably would have used no MOT as an excuse not to pay out as policy void.
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  6. #4
    Official RnS Addict scottie's Avatar
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    Quote Originally Posted by 60minx View Post
    If the council van ran into them then surely the claim was from that van's insurance for damage caused?If the claim was from their own car insurance then the insurance company probably would have used no MOT as an excuse not to pay out as policy void.
    if that was the case then why wouldnt the vans insurance company use it as an excuse to not pay out ,

    and theres that word again "probably"

  7. #5
    Care in the Community WagonMan's Avatar
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    Quote Originally Posted by 60minx View Post
    If the council van ran into them then surely the claim was from that van's insurance for damage caused?If the claim was from their own car insurance then the insurance company probably would have used no MOT as an excuse not to pay out as policy void.
    The policy isn't void, the vehicle is exempt from MOT, even classic insurance companies have stated that there is no issue, just like classics being exempt from road tax but insurance companies haven't used that as an excuse not to pay out

  8. #6
    Off the Xmas card list kapri's Avatar
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    Always hidden in the small print is wording to the effect you will keep the vehicle in a roadworthy condition . MOT doesn't actually prove that .

  9. #7
    Rods 'n' Sods Junkie shovelheadrob's Avatar
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    An insurance company cannot void your insurance just because something is not legal, otherwise how would you get paid out if hit by a drunk driver or someone who is speeding or gets prosecuted for dangerous driving? The insurance company may decide to recover their losses from the insured which could be life changing. At the end of the day an MOT is only proof that the vehicle met with the required standard at the time of the test.

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  11. #8
    Official RnS Addict 60minx's Avatar
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    Quote Originally Posted by WagonMan View Post
    The policy isn't void, the vehicle is exempt from MOT, even classic insurance companies have stated that there is no issue, just like classics being exempt from road tax but insurance companies haven't used that as an excuse not to pay out
    If it was exempt why did they get fined £100,original post said MOT had expired.. either way they weren't claiming off of their own insurance
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    Official RnS Addict chevrolet50's Avatar
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    I think no mot or tax should void all claims.we have got to have it,why shouldn't they?? I think the police officer was right in what he was doing,really gets my back up when I hear about people with no mot, tax, insurance or even a license.

  13. #10
    Rods 'n' Sods Junkie
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    Where I keep my pop, in my work lock up, there was a car parked that belonged to a child minder who worked down the road and had no right to park there. One of the people there said they checked online and found out she had no tax or mot, and probably no insurance. They notified the police who were not interested, even though the car was used every day. The locals then took photos when it was there with time and date recorded and photos showing it not there again with times and dates.
    I've not seen it lately so I hope it's been crushed.

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