Discussion
Hi guys..
Looking for some info.
My car was stolen on Monday night while my missis was working a night shift.
Going through all the insurance claim details but they have come back and said my mot had ran out on the 14th October which I was unaware of.
They have stated that they will not be indemnifying my claim. They've also said if my car doesn't have a mot within 10 days then they will cancel the policy. Doesn't make sense
Where do stand with this. ?
Nightmare!!! No car and 11k of finance still left to pay on the car.. cars a 67 plate qashqai.
Cheers 👍
Looking for some info.
My car was stolen on Monday night while my missis was working a night shift.
Going through all the insurance claim details but they have come back and said my mot had ran out on the 14th October which I was unaware of.
They have stated that they will not be indemnifying my claim. They've also said if my car doesn't have a mot within 10 days then they will cancel the policy. Doesn't make sense
Where do stand with this. ?
Nightmare!!! No car and 11k of finance still left to pay on the car.. cars a 67 plate qashqai.
Cheers 👍
I think you'll find it needs to be road legal for the insurance to be valid.
https://www.comparethemarket.com/car-insurance/con...
https://www.comparethemarket.com/car-insurance/con...
Depends on what your policy says. If it says the car has to have an MOT for the insurance to be valid, you're abit stuck.
If it says it just has to be roadworthy, that's different. A car not having an MOT doesn't automatically make it unroadworthy.
Check your documents with a fine tooth comb, answer will lay within.
If it says it just has to be roadworthy, that's different. A car not having an MOT doesn't automatically make it unroadworthy.
Check your documents with a fine tooth comb, answer will lay within.
hyphen said:
Definately worth fighting. If it was an accident then perhaps the insurer could argue lack of evidence of road worthiness, but for theft has no relevance.
Oh I agree, I'd be fighting them all the way no matter what.Problem is though, if documents do say that car must be MOT'd, that's will be their default fall back. "Well sir/madam, the documents that you signed and agreed to say the car must have an MOT to validate the insurance, tough!"
If it says roadworthy though, no way would I accept that an expired MOT means the car is unroadworthy, maybe not road legal but definitely not unroadworthy.
I do wonder if this has tripped anyone else up though as you can drive to a pre-booked MOT test with an expired MOT or no MOT completely legally. Having an accident on the way could get messy if insurers say must be MOT'd.
I do think there is a very big difference between a car not having an MOT, parked on your driveway, not in use....and a car being driven on the road, in an accident without an MOT.
You need to talk to someone sensible at the insurance company that understands it's not a factor in the theft.
You need to talk to someone sensible at the insurance company that understands it's not a factor in the theft.
joropug said:
...You need to talk to someone sensible at the insurance company that understands it's not a factor in the theft.
Oh, they are all sensible and fully understand it's not a factor. They just want to keep the money and not pay the OP 
They will go to sleep justifying it as "it's only business" as otherwise they may stay awake knowing they are scumbags.
joropug said:
I do think there is a very big difference between a car not having an MOT, parked on your driveway, not in use....and a car being driven on the road, in an accident without an MOT.
You need to talk to someone sensible at the insurance company that understands it's not a factor in the theft.
I understand though that there have been situations where a car fails MOT on something very expensive, so rather than pay for repair, the owner will “arrange” to have it stolen & get a working replacement . If the insurance company says they won’t pay if the car has no MOT, then this situation is prevented from happening. You need to talk to someone sensible at the insurance company that understands it's not a factor in the theft.
CoreyDog said:
I do wonder if this has tripped anyone else up though as you can drive to a pre-booked MOT test with an expired MOT or no MOT completely legally. Having an accident on the way could get messy if insurers say must be MOT'd.
FWIW I explicitly queried this point with my insurers. They confirmed that I was covered as long as the vehicle was being operated legally, i.e. was covered to drive to the garage where the MOT would be performed, but not if I were driving around for other reasons without one.If the OP's car was stolen from private land (driveway, office car park) then I imagine he'd be ok, since it's legal to keep a non-MOT'd vehicle on private land. However it was parked on a public street then it's a little less clear cut.
My gut feeling would be that the MOT requirement wouldn't apply to a theft payout, seems strange to me, but hard to tell. I guess the question is whether it's reasonable for an insurer to invalidate the entire insurance contract due to your failure to uphold this one clause. I can't see that it is, since it doesn't affect the theft risk, but it may end up with the ombudsman to establish that.
Surely at the point of taking out the policy the car had an MOT.
So I am struggling to see why you are not insured at this point now.
If you had been involved in an accident maybe, but I can’t see that not having an MOT in a car that was parked off the highway is any more of an issue than obtaining a ban on your driving licence and having the car stolen.
Also what if your car fails it’s mot? And you leave it overnight at the garage and it gets stolen. Are you not insured then?
Insurance ombudsman is probably where you need to go to.
So I am struggling to see why you are not insured at this point now.
If you had been involved in an accident maybe, but I can’t see that not having an MOT in a car that was parked off the highway is any more of an issue than obtaining a ban on your driving licence and having the car stolen.
Also what if your car fails it’s mot? And you leave it overnight at the garage and it gets stolen. Are you not insured then?
Insurance ombudsman is probably where you need to go to.
tezza82 said:
Hi guys..
Looking for some info.
My car was stolen on Monday night while my missis was working a night shift.
Going through all the insurance claim details but they have come back and said my mot had ran out on the 14th October which I was unaware of.
They have stated that they will not be indemnifying my claim. They've also said if my car doesn't have a mot within 10 days then they will cancel the policy. Doesn't make sense
Where do stand with this. ?
Nightmare!!! No car and 11k of finance still left to pay on the car.. cars a 67 plate qashqai.
Cheers ??
Well, it's likely to be a fight with the insurer and eventually the ombudsman.Looking for some info.
My car was stolen on Monday night while my missis was working a night shift.
Going through all the insurance claim details but they have come back and said my mot had ran out on the 14th October which I was unaware of.
They have stated that they will not be indemnifying my claim. They've also said if my car doesn't have a mot within 10 days then they will cancel the policy. Doesn't make sense
Where do stand with this. ?
Nightmare!!! No car and 11k of finance still left to pay on the car.. cars a 67 plate qashqai.
Cheers ??
I would suspect that you will eventually get a reduced payout on grounds that the MOT was not a factor in the theft, but expect to lose a chunk of money.
Bit late now, but https://www.gov.uk/mot-reminder
tezza82 said:
Going through all the insurance claim details but they have come back and said my mot had ran out on the 14th October which I was unaware of.
They have stated that they will not be indemnifying my claim. They've also said if my car doesn't have a mot within 10 days then they will cancel the policy. Doesn't make sense
Where do stand with this. ?
This is to do with an accident, but should be even less of an issue in your case: https://www.financial-ombudsman.org.uk/files/12101...They have stated that they will not be indemnifying my claim. They've also said if my car doesn't have a mot within 10 days then they will cancel the policy. Doesn't make sense
Where do stand with this. ?
tezza82 said:
Hi guys..
my mot had ran out on the 14th October which I was unaware of.
They have stated that they will not be indemnifying my claim. They've also said if my car doesn't have a mot within 10 days then they will cancel the policy. Doesn't make sense
Makes perfect sense.my mot had ran out on the 14th October which I was unaware of.
They have stated that they will not be indemnifying my claim. They've also said if my car doesn't have a mot within 10 days then they will cancel the policy. Doesn't make sense
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