Insurance / Mot

[Bazile]

Is the insurance on a car still valid if the car has no mot ( when car insurance was last renewed there was a valid mot on car , but mot will run out soon - car is parked on road , but not driveable , due to broken gear box ) . ?

Is it illegal to park car on road without a valid mot certificate ?

[ummmm]

Yes, it is still insured.

[hc4361]

It is illegal to park on the public highway without an MOT

[Spannerfiend]

No, it is NOT insured. Check your insurance t&c's. You will find that the insured vehicle has to be in a roadworthy and legal condition at all times. Without an MOT, as HC4361 has correctly stated, the vehicle is not roadworthy, and so shouldn't even be on the road.

[Graham-W]

If you are driving to a pre-booked MOT test you must be insured. Your insurance, under these circumstances, will NOT be invalid.
I've looked for a definitive answer for the rest of the time but it seems to be a grey area. From Parkers:

Driving without a valid MOT

Driving without an MOT won't always make your insurance invalid. In most instances the insurers will still pay out in full - and if your car is stolen, or damaged, the payout will usually only be reduced to reflect the value of the car without a current MOT.

However, some policies state in the small print that an MOT must be in force. Only in instances where the vehicle has a fault which contributed to, or caused the accident, can the claim be rejected. Driving without an MOT does carry a potentially hefty fine though.

[mccfluff]

I don't have an MOT but my car is insured.... it does state it has to be legal and roadworthy though

[ToraToraTora]

It is still insured, it is a common myth that just about any transgression invalidates insurance. However it cannot be parked on the highway legally but for example if you parked it on the drive and it was stolen it would be insured but the lack of MOT would reduce the payout.

[Baldric]

I guessing your car is less than 3 yrs old then Fluff

[ToraToraTora]

we had this before methyl, I cannot find any reference to MOT in any of my docs, (AA). Anyway it's quite common to sorn a car off the road andhave no MOT and tax, if stlen they are covered so I have no idea where you get that from.

[ToraToraTora]

see towards the bottom of the page here:
http://www.drivingtesttips.biz/driving-without-an-mot.html

[mccfluff]

tis balders, not even a year old yet

[Baldric]

//Is it illegal to park car on road without a valid mot certificate///

Yes it is

[Graham-W]

I, too, have just checked the small print on my policy and MOT isn't mentioned anywhere. There is a clause that states the vehicle must be kept in a roadworthy condition but doesn't mention MOT at all. The MOT only proves the vehicle was in roadworthy condition on the day it was inspected. It doesn't guarantee its roadworthiness for a full year.

[Graham-W]

//Is it illegal to park car on road without a valid mot certificate///

Yes, it's illegal, but it won't invalidate your insurance.

[Baldric]

Didn't say it was, just answering 2nd part of OP

[Graham-W]

Sorry Baldric. I'd gone so far down the thread I'd forgotten the second question :-))

[Bazile]

There is no consencus here then .

If i'm reading replies correctly - whils't it is illegal to park on road without an MOT certificate - your insurance is not however invalidated .

is the foregoing the consencus ?

[ToraToraTora]

no those are the facts. You cannot park legally on the road without and MOT and lack of MOT does not invalidate your insurance. So look to park it off road.

[Baldric]

I rang our Broker earlier, he emailed a couple of companies for clarity.

The word Roadworthy (fit to be used on the road) includes having a valid MOT, (even though as mentioned earlier, it only says it was roadworthy on the day it was tested), it is still a requirement.

[Bazile]

Baldric - you didn't happen to ask your broker whether or not a lack of mot , invalidates the insurance ?