Recent MOT changes don't make sense

[Mike]

Hi Mike

Insurance is an agreement between you and the underwriters. You agree to maintain many things including a current MOT cert - they agree to cover you against claims by others. Having a valid MOT cert (a roadworthy vehicle) is a cornerstone of this arrangement....

Check you insurance schedule, many don't even mention the mot. What it will mention (and what confuses people) is that the vehicle must be roadworthy, the presence of an mot doesn't mean that a vehicle is roadworthy. If your mot has expired and you have an accident, your insurance will cover the 3rd party risk (not as Chris said), they have no option.

As Stumble explained to you already, unless you had a major point of failure, you can still drive the vehicle until the mot expires.

[KevofCov]

Hmmm, technically I concede you may have a point and are correct but life will be much much easier if you have a current MOT.
Drive with no MOT and run into a Bus queue – let me know how helpful your insurers are in the real world….
They will argue you will argue. Their pockets are much deeper...

[Stumble]

No Mot means not roadworthy and shouldn't be on the road. Unless on way to or from the test
.
They won't pay for an accident but would for theft.

Not true.

Hi Mike

Insurance is an agreement between you and the underwriters. You agree to maintain many things including a current MOT cert - they agree to cover you against claims by others. Having a valid MOT cert (a roadworthy vehicle) is a cornerstone of this arrangement....

But, it is legal to travel to and from your MOT, pass or not, so your insurance should give you cover. They may want to say otherwise.

[Stumble]

Hi Mike

Insurance is an agreement between you and the underwriters. You agree to maintain many things including a current MOT cert - they agree to cover you against claims by others. Having a valid MOT cert (a roadworthy vehicle) is a cornerstone of this arrangement....

Check you insurance schedule, many don't even mention the mot. What it will mention (and what confuses people) is that the vehicle must be roadworthy, the presence of an mot doesn't mean that a vehicle is roadworthy. If your mot has expired and you have an accident, your insurance will cover the 3rd party risk (not as Chris said), they have no option.

As Stumble explained to you already, unless you had a major point of failure, you can still drive the vehicle until the mot expires.

Spot on

[dumper]

Also applies to road tax for mot ok to go to and from test station

[MinorMatt]

There's no mention of it on the government site but while I was there I found this which I didn't know had come into force either

"This means failures for tyres over 10 years old on the front axle of any vehicles with 9 or more passenger seats, and any single wheels of a minibus (9-16 passenger seats). These vehicles will also fail if they do not display a legible date code on in scope tyres."

I'm offended

viewtopic.php?f=14&t=204015

[Scooby doo]

Don’t forget to mention that if you’re needing an mot ie yours ran out, then you have to use the nearest one to your postcode, not like back in the day when I use to collect cars from other side of country with a days insurance and booked in for mot closest to my house so I could drive it back..

[dumper]

Don’t forget to mention that if you’re needing an mot ie yours ran out, then you have to use the nearest one to your postcode, not like back in the day when I use to collect cars from other side of country with a days insurance and booked in for mot closest to my house so I could drive it back..

Used to do that as well.

[KevofCov]

Don’t forget to mention that if you’re needing an mot ie yours ran out, then you have to use the nearest one to your postcode, not like back in the day when I use to collect cars from other side of country with a days insurance and booked in for mot closest to my house so I could drive it back..

Crikey - is this real? This is news to me but then I voted Trump......

[Scooby doo]

Long gone are the days of just getting a producer from the police and collecting em like stamps..
Mot regs have changed a lot over last two years let alone the 20 iv been driving, tho I still know quite a few mot testers who always like a lil extra on top of the mot fee..

[Keef]

I've been researching this and I can't find ANY evidence of the claims in this thread that

A] if your vehicle fails the MOT before your last MOT expires, the old MOT is no longer valid
As far as I can find, your MOT lasts for a year regardless of any later failures but your vehicle is not roadworthy unless any Dangerous and Major failure points have been rectified.
From May 2018, if your vehicle fails on a Dangerous defect (ie. There is an immediate risk to road safety or the car will have a serious impact on the environment) and you are caught driving it, you can get 3 points and be fined upto £2500 but that is for driving an unroadworthy vehicle and not driving a vehicle with no current MOT. If you get caught twice in 3 years you can get a 6 month ban.
Driving with no MOT is usually dealt with using a £60 fixed penalty and no points unless you choose to go to court.

B] if you’re needing an MOT ie yours ran out, then you have to use the nearest one to your postcode
I can't find any evidence of that anywhere

C] Unless you have a current MOT, your insurance is invalid
I can't find any evidence of that anywhere

So most of it seems to be hearsay but does anyone KNOW any different? if so, post up a link to the official information.

[KevofCov]

I've been researching this and I can't find ANY evidence of the claims in this thread that

A] if your vehicle fails the MOT before your last MOT expires, the old MOT is no longer valid
As far as I can find, your MOT lasts for a year regardless of any later failures but your vehicle is not roadworthy unless any Dangerous and Major failure points have been rectified.
From May 2018, if your vehicle fails on a Dangerous defect (ie. There is an immediate risk to road safety or the car will have a serious impact on the environment) and you are caught driving it, you can get 3 points and be fined upto £2500 but that is for driving an unroadworthy vehicle and not driving a vehicle with no current MOT. If you get caught twice in 3 years you can get a 6 month ban.
Driving with no MOT is usually dealt with using a £60 fixed penalty and no points unless you choose to go to court.

B] if you’re needing an MOT ie yours ran out, then you have to use the nearest one to your postcode
I can't find any evidence of that anywhere

C] Unless you have a current MOT, your insurance is invalid
I can't find any evidence of that anywhere

So most of it seems to be hearsay but does anyone KNOW any different? if so, post up a link to the official information.

Hi Keef

A) I read about your old cert being cancelled somewhere and it was confirmed by the guy doing my MOT and these guys know stuff.

B) News to me also

C) There is no law that your insurance is no good without a current M.O.T. however your insurance is an agreement between you and your insurers. If you dont have an MOT then they will be very very disappointed if you need their help with any motoring problem....

[dumper]

I wouldn’t say that the mot know stuff and they are right I’ve taken Hgv s Psvs for proper ministry tests and they have tryed to fail me on what they think is right but out with the testers manual and pointing out they are wrong sometimes they have been right so even the ministry tester can be wrong.For years vehicles have been failed at car garages on a opinion of a tester who is only trying to get work for his employer.

[Mike]

A) I read about your old cert being cancelled somewhere and it was confirmed by the guy doing my MOT and these guys know stuff.

I disagree, “ Driving a vehicle that’s failed
You can take your vehicle away if:

your current MOT certificate is still valid
no ‘dangerous’ problems were listed in the MOT
Otherwise, you’ll need to get it repaired before you can drive.

If you can take your vehicle away, it must still meet the minimum standards of roadworthiness at all times.”

[dumper]

Even if a hgv gets stopped in a road side check they can be given a delayed pg9 are able return to their depot to get it repair and taken for a re test