No MOT = No Insurance ?

hp88 · 05-03-2019, 09:14 AM

Had a bump with someone this morning, exchanged details ect.. and went off to work. Thought I would check his car to see if it's all legal and turns out that this MOT expired over a month ago

I need a new mirror and the wing needs a bit of attention, I would say no more than £400 to put everything right. His was far worse so I got the impression he want to go down the insurance route.

Question I have got here is, will his insurance still be valid ? He's with AXA by the way.

sirleeofroy · 05-07-2019, 04:45 AM

I'm pretty certain that means their insurance is invalid....

Insurance is based on (amongst other things) a roadworthy vehicle, if said vehicle does not have MOT to confirm that then the insurance is invalid. That said, I'm not sure how that would work with them making a claim against your insurance....

The0pportunist · 05-07-2019, 05:20 AM

In this situation i believe his insurance are obliged to pay for damages & then will try to recover the costs from him directly.

You should be fine but i'm not so sure about him.

MrSweet1991 · 05-08-2019, 04:46 PM

He's fluffed, bad day for him for sure. Did he attempt to settle outside of insurance or was it just a case of swapping details?

05-03-2019, 09:14 AM	#1
hp88 Private 14 Rep 71 Posts Drives: E92 Join Date: Apr 2015 Location: Midlands iTrader: (0)	No MOT = No Insurance ? Had a bump with someone this morning, exchanged details ect.. and went off to work. Thought I would check his car to see if it's all legal and turns out that this MOT expired over a month ago I need a new mirror and the wing needs a bit of attention, I would say no more than £400 to put everything right. His was far worse so I got the impression he want to go down the insurance route. Question I have got here is, will his insurance still be valid ? He's with AXA by the way.
	Appreciate 0 Tweet Quote

05-07-2019, 04:45 AM	#2
sirleeofroy Captain 94 Rep 660 Posts Drives: E90 330D M-Sport LCI Join Date: Aug 2017 Location: Buckinghamshire iTrader: (0) Garage List 2009 BMW 330D M-Sport [0.00]	I'm pretty certain that means their insurance is invalid.... Insurance is based on (amongst other things) a roadworthy vehicle, if said vehicle does not have MOT to confirm that then the insurance is invalid. That said, I'm not sure how that would work with them making a claim against your insurance....
	Appreciate 0 Quote

05-07-2019, 05:20 AM	#3
The0pportunist Major 480 Rep 1,271 Posts Drives: F30 335i Join Date: Sep 2012 Location: London iTrader: (0)	In this situation i believe his insurance are obliged to pay for damages & then will try to recover the costs from him directly. You should be fine but i'm not so sure about him.
	Appreciate 0 Quote

05-08-2019, 04:46 PM	#4
MrSweet1991 Captain 134 Rep 826 Posts Drives: BMW E90 330D M Sport Join Date: Apr 2017 Location: West Midlands iTrader: (0)	He's fluffed, bad day for him for sure. Did he attempt to settle outside of insurance or was it just a case of swapping details?
	Appreciate 0 Quote