That's like saying....everyone can carry sub-machine guns, gaffa taped to the inside of their coats.It's a victimless crime, until there happens to be an 'accident'.
You should write those comments in the joke section.
You been affected?
- Thread starter libby lou lou
- Start date
That's like saying....everyone can carry sub-machine guns, gaffa taped to the inside of their coats.It's a victimless crime, until there happens to be an 'accident'.
You should write those comments in the joke section.
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They may well pay out for the theft of the vehicle, but if the owner - or anyone else driving it with the owners permission - has an accident and kills someone whilst driving it without tax or MOT, then the insurer would most definitely dismiss any claim.
And faced with a claim of any size at all, the insurer would be all over the paperwork like a rash just looking for any possible get-out.
Libbs, I bet you're glad you've livened the room up with your post !! Quality
Funnily enough, my motor is due a MOT ( well, not my motor, the missus' motor), one of the ball joint rubbers is knacked, one of the exhaust hangers is M.I.A., the auxiliary belt is squeaking a bit, so I'll be blowing dust off the workshop tools in a few days.
Funnily enough, my motor is due a MOT ( well, not my motor, the missus' motor), one of the ball joint rubbers is knacked, one of the exhaust hangers is M.I.A., the auxiliary belt is squeaking a bit, so I'll be blowing dust off the workshop tools in a few days.
They may try and look for some get out clause, thats the nature of insurance companies!
If you drive a car that is insured but has no MOT, the insurer will still pay out for any claim unless the policy states. Majority of policies will pay out but take into consideration the market value of the car without an MOT. If the accident is caused by a fault on the car then the insurance company can reject it on the grounds the car is not road worthy.
If you drive a car with no tax, the insurance company are still obliged to pay out for any claim. You may be charged for driving without tax. Because you are committing an offence of having no tax, its not relevant to the insurance company or the accident itself.
You can drive a car with no tax if its going to a pre booked MOT station, thats why the rule involving no tax is in force. Driving without a license will invalidate any insurance policy.
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J
joinerjohn
It is quite legal to drive a vehicle with no MOT. From the place it is usually parked, straight to a garage that does MOT tests. Provided that the vehicle has been prebooked for an MOT test and/or is going there for repairs immediately preceding an MOT test at the same garage. All provided that the vehicle has valid insurance whilst on a public highway.
There Ya Go. So as long as your not caught at night time when garages are closed, you might just get away with it.
There Ya Go. So as long as your not caught at night time when garages are closed, you might just get away with it.
D
Deleted member 105431
Get a job you workshy scrounging parasite libby. Cant your daughter Vicky Pollard do a few extra "tricks" to pay for it?
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be aware that the garage in question needs to be in the same postcode as the owner. if you read the t and c's it actually is supposed to be the closest possible garage but i doubt you find a copper that clued up or c u ntish.
M
Mickymoody
The terms of the insurance are to have a taxed vehicle, having a license, and it having an MOT, if one of these are missing then you break the terms of the insurance.
The insurance is also invalidated if you have window tints, different tyres/wheels than specified, or a spoiler added. Libby Lou is running a fine line.
And insurance assessors cruise these sites, for posts like this..so beware.
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wrong, try again.
try and have a think or possibly even research your posts before you type. i know it's a hardship to check before you type but you really are becoming an awfully boring stereotype. if you don't know what you are talking about and just taking a guess then just say so.
What I posted earlier about having no tax is very much true, it will not invalidate your insurance.
As for modifications, that all depends on the policy of the insurance company. The majority of policies wont expect you to declare tints under the legal limit, but some will
Lots of policies have what they call image mods and performance mods. My policy is fine with image mods, I can add tints, spoilers etc and wont have to declare them. If I add a performance like exhaust, induction kits etc, then I will have to declare them
I explained the regulations earlier about having no tax or MOT and validation of insurance policies, but I dont think he read it!
LMAO ,when i read that, anyway, no tax, i'm still insured.
My eldest vicky pollard work with an insurance/ accident/ comp, small but, by the fook, you don't know half of what goes on, cash being moved, in brown chats.
My life, being a bad one, as been spent to fetch my children up to be better than me, it worked, the grandchildren are the next target.
Your kids come top at uni? i mean top? mine did,
Your just a moaning fooker,. i'm a tealeaf, getover it.
ive just been hit with massive repair bill, replacement of piston, gasket set, cylynder head skim, valve re-sit, cambelt kit, pressure test, oil, oil filter, coolant, supplied and fitted £670
only in december I had to fork out £300 for bottom end bearing replacement, MOT and 2 new tyres, then end of Jan £130 for 6 month road TAX
so I know how ya feel, and I too is not working at present
That's a cheap do.
Yes, but like the MOT, your kid's university degree certificate was probably knocked up on the same photcopier for the price of a large drink.
J
joinerjohn
As I stated before, you can drive a vehicle to an MOT testing station to have an MOT test, as long as the vehicle is taxed and insured. I have yet to come across an insurance policy that would be void just because the MOT has run out.
Someone goes on to say that it's a condition of insurance that the vehicle has to have a valid MOT. (utter b*****ks). The insurance might state that the vehicle has to be roadworthy, but until you have the MOT done, even they can't say that a vehicle is roadworthy.
However after all that, an MOT certificate only states that the vehicle was roadworthy , at the time of the test. This doesn't mean to say that a car would be roadworthy the day after the test, therefore an MOT certificate isn't worth the paper it's printed on to ordinary Joe Public. It is however, worth £40+ to the government every year, for every vehicle that needs one (and hence is probably worth a few hundred quid to the garage doing repairs)
Someone goes on to say that it's a condition of insurance that the vehicle has to have a valid MOT. (utter b*****ks). The insurance might state that the vehicle has to be roadworthy, but until you have the MOT done, even they can't say that a vehicle is roadworthy.
However after all that, an MOT certificate only states that the vehicle was roadworthy , at the time of the test. This doesn't mean to say that a car would be roadworthy the day after the test, therefore an MOT certificate isn't worth the paper it's printed on to ordinary Joe Public. It is however, worth £40+ to the government every year, for every vehicle that needs one (and hence is probably worth a few hundred quid to the garage doing repairs)
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