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Home > General Chat > RTA with no mot

mr_incognito

106 Posts
Member #: 2135
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plympton, plymouth



so someone crashed into the misses in her car today67 riley elf, other persons fault, they drove into the back of her when she stopped at lights, there was someone in front of her that had also stopped and she shunted into them. everyone is thankfully ok, my 6 month daughter was in the car. BUT

home she comes and I check all the details and the Mot expired a month ago.

anyone know what is likely to happen with the car insurance, I its possibly a right off.


Brett

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Doncaster, South Yorkshire

no mot no insurance iirc, the mot is to prove its safe to be on the roads

and you have been lucky mine lapsed for 7 hours and i got pulled.. lol luckily i was going from work to the garage at 7am :)

Yes i moved to the darkside *happy*

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wng691s clubby

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Cleethorpes

classed as no insurance but you maybe lucky

Done now needs redoing lol


wil_h

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Betwix Harrogate and York

Not quite as black and white as that. General policies DO NOT generally require the MOT. My subary insurance for instance just says that the car must be in a roadworthy condition, no mention of MOT. MOT only proves it was rroadworthy on the day of the test after all.

HOWEVER, classic policies DO generally specify that an MOT is a requirement.

You therefore need to check your policy and see what it says.

Fastest 998 mini in the world? 13.05 1/4 mile 106mph



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the design shows a distinct lack of imagination,
talk about starting off with a clean sheet of paper, then not bothering to fucking draw on it,lol

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I'm mainly concerned about swirl in the runners caused by the tangential entry.


Tom Fenton
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A vehicle can have no MOT but not be unroadworthy. They are subtly different.


On 29th Nov, 2016 madmk1 said:


On 28th Nov, 2016 Rob Gavin said:
I refuse to pay for anything else


Like fuel 😂😂


mr_incognito

106 Posts
Member #: 2135
Advanced Member

plympton, plymouth

the document states

"any liability to others, or loss of damage to any vehicle covered by this insurance, when the vehicle is:

being driven in an unsafe, unroadworthy or damaged condition or does not have a valid mot or single vehicle approval certificate where needed"

I am unsure if this mean the other party does not have to pay us?


evolotion

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Glasgow, Scotland

i would keep your mouth shut and leave it to the insurers. imho. unless ofcourse the car was dangerous or you knowingly let it out with no MOT then i hope you get done :)

turbo 16v k-series 11.9@118.9 :)

Denis O'Brien.


almichie

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Wiltshire

You'll be ok, the person at the back of the shunt it the one responsible for all damage in front. So both you and the front party will claim from the one who shunted you.

A friend was in a muticar shunt on the motorway and that's how the insurance worked.

Good luck, if I were you I'd not mention the mot...

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paul wiginton
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Can you get a friendly MOT centre to say she was on her way to get the MOT test?

I seriously doubt it!


wolfie

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keep it quite, insurers rarely ask for proof of MOT

Edited by wolfie on 26th May, 2011.

Crystal Sound Audio said:

Why wolfie...you should have your name as Fuckfaceshithead !


"A common mistake that people make when trying to design something completely
foolproof is to underestimate the ingenuity of complete fools."-Douglas Adams


mr_incognito

106 Posts
Member #: 2135
Advanced Member

plympton, plymouth




On 26th May, 2011 evolotion said:
unless ofcourse the car was dangerous or you knowingly let it out with no MOT then i hope you get done :)


The car was road worthy, but I should have checked when it was due. stupid thing is as far as i can tell the wife picked up the free road tax from the post office about 15 days before the mot ran out.


mr_incognito

106 Posts
Member #: 2135
Advanced Member

plympton, plymouth




On 26th May, 2011 wolfie said:
keep it quite, insurers rarely ask for proof of MOT



they asked "when did it run out?" when i reported the accident, it was then i noticed it had expired and told them i needed to look for the certificate, didnt know what to say. she just said ok and that was it.


Brett

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Doncaster, South Yorkshire

wolfie i thought that mots was electronically checked anyway

Yes i moved to the darkside *happy*

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mr_incognito

106 Posts
Member #: 2135
Advanced Member

plympton, plymouth




On 26th May, 2011 paul wiginton said:
Can you get a friendly MOT centre to say she was on her way to get the MOT test?


yep prob could do this, but before i realised it had expired i told them the wife was visiting friends.


paul wiginton
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Milton Keynes




On 26th May, 2011 mr_incognito said:



On 26th May, 2011 paul wiginton said:
Can you get a friendly MOT centre to say she was on her way to get the MOT test?


yep prob could do this, but before i realised it had expired i told them the wife was visiting friends.


........and getting the test on the way

I seriously doubt it!


wez

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Stoke on Trent

i remember seeing the elf, was very nice and clean, hope you get this and the car sorted mate.

one day boost will be mine!

On 10th Mar, 2012 Joe C said:
TBH peple stick it everywhere... and theres merits to each...


mini_mad69

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Bridgend

A lad when I was in sixth form smashed his dads land rover, insurance still covered him even though the MOT had expired. I've forgotten about my MOT in the past, it's easily done.

Turbo parts collector at the moment, almost ready.


stevieturbo

3594 Posts
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Northern Ireland



On 26th May, 2011 mr_incognito said:


so someone crashed into the misses in her car today67 riley elf, other persons fault, they drove into the back of her when she stopped at lights, there was someone in front of her that had also stopped and she shunted into them. everyone is thankfully ok, my 6 month daughter was in the car. BUT

home she comes and I check all the details and the Mot expired a month ago.

anyone know what is likely to happen with the car insurance, I its possibly a right off.


Dont worry about it. You'll be fine.

It's the other persons fault, but their insurance probably wont want to pay very much for the damage to the car.

And your insurance is most certainly not invalidated. Even an MOT certificate isnt worth the paper it's written on. It says so quite clearly !!! only valid at the time of testing


Having recently been involved in a non-fault incident myself. I think I'd recommend using one of those accident management companies. I didnt, and my insurance company etc were a pile of useless wanks who did nothing whatsoever to help me.

9.85 @ 145mph
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speed didn't kill me, but taxation probably will


stevieturbo

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Northern Ireland



On 26th May, 2011 mr_incognito said:
the document states

"any liability to others, or loss of damage to any vehicle covered by this insurance, when the vehicle is:

being driven in an unsafe, unroadworthy or damaged condition or does not have a valid mot or single vehicle approval certificate where needed"

I am unsure if this mean the other party does not have to pay us?



At worst they might get sticky over paying out to a 3rd party, but the accident is not your fault, you are not claiming of your insurance in any shape or form.
So you could be driving a stolen car for all it mattered. You are the victim.

9.85 @ 145mph
202mph standing mile
speed didn't kill me, but taxation probably will


zerocool_jj2000

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stoke on trent




On 27th May, 2011 stevieturbo said:


On 26th May, 2011 mr_incognito said:
the document states

"any liability to others, or loss of damage to any vehicle covered by this insurance, when the vehicle is:

being driven in an unsafe, unroadworthy or damaged condition or does not have a valid mot or single vehicle approval certificate where needed"

I am unsure if this mean the other party does not have to pay us?



At worst they might get sticky over paying out to a 3rd party, but the accident is not your fault, you are not claiming of your insurance in any shape or form.
So you could be driving a stolen car for all it mattered. You are the victim.


Correct me if im wrong, which im sure you will. it is obviously not your wifes fault that she got hit from behind, but she is liable for being to close to the car infront and therefore hitting it, so in effect that stage of the incident is classed as her fault.


wolfie

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Somewhere around Swindon




On 29th May, 2011 zerocool_jj2000 said:



On 27th May, 2011 stevieturbo said:


On 26th May, 2011 mr_incognito said:
the document states

"any liability to others, or loss of damage to any vehicle covered by this insurance, when the vehicle is:

being driven in an unsafe, unroadworthy or damaged condition or does not have a valid mot or single vehicle approval certificate where needed"

I am unsure if this mean the other party does not have to pay us?



At worst they might get sticky over paying out to a 3rd party, but the accident is not your fault, you are not claiming of your insurance in any shape or form.
So you could be driving a stolen car for all it mattered. You are the victim.


Correct me if im wrong, which im sure you will. it is obviously not your wifes fault that she got hit from behind, but she is liable for being to close to the car infront and therefore hitting it, so in effect that stage of the incident is classed as her fault.


Thats not true.

I got shunted from behind and into the car infront and left plenty of room, the guy who hit us from behind insurance covered my car and the car i hit.

Crystal Sound Audio said:

Why wolfie...you should have your name as Fuckfaceshithead !


"A common mistake that people make when trying to design something completely
foolproof is to underestimate the ingenuity of complete fools."-Douglas Adams


apbellamy

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person at the back was liable when I was in the middle of a 3 car shunt

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*hehe!*


minimole23

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Wiltshire

Bad luck its a pain in the arse when other people bugger your stuff up.

I think I may make a sticker for the rear cross member of my defender that says "your skid ends here"!

Edited by minimole23 on 29th May, 2011.

On 7th Oct, 2010 5haneJ said:
yeah I gave it all a good prodding


Sprocket

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Preston On The Brook

I have seen a sticker that says

"Air bag test. Strike here>>"

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Yep I agree with TD........


Craigie-B

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Wootton Bassett

LMAO at the air bag and skid ends stickers.

Hope everything works out for you dude!

On 10th Mar, 2012 theoneeyedlizard said:

Hypothetically speaking, where would you stick your nozzle?


On 22nd Jun, 2012 apbellamy said:
my wife doesn't know what.head is never mind compression ratio.

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