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Corsa Sport » Message Board » General Chat » claiming on somebodys insurance when you have no mot » Post Reply

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Ian W	posted on 27th Feb 12 at 19:03
	quote: Originally posted by tom130691 worst that can happen is the car drivers insurance says no so he has nothing to loose in my point of view Yep, worst he will get from the police is a fine for no MOT. Never used to be points anyway, which was pretty handy back in the day :look:
tom130691	posted on 27th Feb 12 at 19:01
	worst that can happen is the car drivers insurance says no so he has nothing to loose in my point of view
Corsa_Sport21	posted on 27th Feb 12 at 18:56
	Yep, no MOT could allow the insurer to inspect the vehicle to make sure it was in a road-worthy condition.
LeeM	posted on 27th Feb 12 at 18:47
	quote: Originally posted by whitter45 although MOT does mean insurance is void they do not check this if a claim is made as the MOT is only valid really at the time of test I know this as when i crashed my corsa my MOT had expired by 2 days and they still paid out to get the other parties car fixed and probably all the personally injury if the lack of MOT couldbe shown to be a direct cause of the accident your negligence would allow the insurer to cancel the policy and youd be expected to pay them back their costs
LeeM	posted on 27th Feb 12 at 18:44
	no MOT is fine, hes claiming for his loss as a civil matter. no MOT is a police matter. also an insurance policy is only void once the insurer voids it and notifies the policy holder. nothing automatically voids a policy
Corsa_Sport21	posted on 27th Feb 12 at 16:53
	Can some1 please post up a set-in-stone link to where it says no mot=no insurance If thats the case, why is it if you get pulled for having no mot you only get a fine. Surely you should be done for no insurance if what people are saying is true.
whitter45	posted on 27th Feb 12 at 16:35
	although MOT does mean insurance is void they do not check this if a claim is made as the MOT is only valid really at the time of test I know this as when i crashed my corsa my MOT had expired by 2 days and they still paid out to get the other parties car fixed and probably all the personally injury
Corsa_Sport21	posted on 27th Feb 12 at 16:27
	It dosn't matter. Just go through with the claim.
chrisritch	posted on 27th Feb 12 at 16:26
	Did the guy on the bike get hit at all? Or just get cut up?
tom130691	posted on 27th Feb 12 at 16:25
	This is why im not sure why it matters he dnt have mot
sc0ott	posted on 27th Feb 12 at 16:02
	Why would his insurance pay out if he wasnt at fault?
tom130691	posted on 27th Feb 12 at 15:57
	Right, He is third party so his insurance wont pay out An undercover police office saw it and he took the cars plate
Corsa_Sport21	posted on 27th Feb 12 at 15:41
	Can i just say that not having an MOT, WON'T necesarily void the insurance. Its not quite as black and white as that. After all, if you get pulled by the coppers and it comes back as the car not having an MOT, im pretty sure you only get a fine. [Edited on 27-02-2012 by Corsa_Sport21]
Mertin	posted on 27th Feb 12 at 15:39
	His insurance will be void. Could say he was driving to get it mot'd if this happened local to his house / in the town and if he can get a garage to lie for him and say it was booked it at x time
sc0ott	posted on 27th Feb 12 at 15:34
	None of this adds up. Biker being cut up? I always see bikers cutting in on cars. If the car knocked him off his bike shouldnt he go to the police? How can he claim off the car driver if he was knocked off his bike? Did he memorise the reg plate before it?
AndyCorsaSport	posted on 27th Feb 12 at 15:28
	Say he was on the way to MOT place :lol:
pow	posted on 27th Feb 12 at 15:13
	Yup, no MOT = no insurance, I'd keep quiet
martinlird	posted on 27th Feb 12 at 15:11
	He was riding illegally then....So I'd keep shtum. Insurance automatically voids when you don't have MOT or Tax
tom130691	posted on 27th Feb 12 at 15:08
	A freind come off his bike due to being cut up. So he intends to claim from the guy who drove off However it has come to light the bike he was riding has no mot :facepalm: [Edited on 27-02-2012 by tom130691]