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Author claiming on somebodys insurance when you have no mot
tom130691
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Registered: 13th Sep 08
Location: Daventry
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   27th Feb 12 at 15:08   View Garage View User's Profile U2U Member Reply With Quote
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

[Edited on 27-02-2012 by tom130691]
martinlird
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Registered: 25th Jun 09
Location: Cheshire
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27th Feb 12 at 15:11   View User's Profile U2U Member Reply With Quote
He was riding illegally then....So I'd keep shtum.

Insurance automatically voids when you don't have MOT or Tax
pow
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Registered: 11th Sep 06
Location: Hazlemere, Buckinghamshire
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27th Feb 12 at 15:13   View Garage View User's Profile U2U Member Reply With Quote
Yup, no MOT = no insurance, I'd keep quiet
AndyCorsaSport
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Registered: 12th Feb 06
Location: Horsforth, West Yorkshire
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27th Feb 12 at 15:28   View User's Profile U2U Member Reply With Quote
Say he was on the way to MOT place
sc0ott
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Registered: 16th Feb 09
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27th Feb 12 at 15:34   View User's Profile U2U Member Reply With Quote
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?
Mertin
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Registered: 12th Oct 05
Location: Scotland
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27th Feb 12 at 15:39   View User's Profile U2U Member Reply With Quote
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
Corsa_Sport21
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Registered: 13th Apr 08
Location: Leven, Fife. Drives : 205 GTi
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27th Feb 12 at 15:41   View User's Profile U2U Member Reply With Quote
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]
tom130691
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Registered: 13th Sep 08
Location: Daventry
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27th Feb 12 at 15:57   View Garage View User's Profile U2U Member Reply With Quote
Right,
He is third party so his insurance wont pay out

An undercover police office saw it and he took the cars plate
sc0ott
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Registered: 16th Feb 09
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27th Feb 12 at 16:02   View User's Profile U2U Member Reply With Quote
Why would his insurance pay out if he wasnt at fault?
tom130691
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Registered: 13th Sep 08
Location: Daventry
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27th Feb 12 at 16:25   View Garage View User's Profile U2U Member Reply With Quote
This is why im not sure why it matters he dnt have mot
chrisritch
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Registered: 2nd Sep 08
Location: Northants Drives: V40
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27th Feb 12 at 16:26   View User's Profile U2U Member Reply With Quote
Did the guy on the bike get hit at all? Or just get cut up?
Corsa_Sport21
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Registered: 13th Apr 08
Location: Leven, Fife. Drives : 205 GTi
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27th Feb 12 at 16:27   View User's Profile U2U Member Reply With Quote
It dosn't matter.

Just go through with the claim.
whitter45
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Registered: 15th Nov 02
Location: Norton
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27th Feb 12 at 16:35   View User's Profile U2U Member Reply With Quote
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
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Registered: 13th Apr 08
Location: Leven, Fife. Drives : 205 GTi
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27th Feb 12 at 16:53   View User's Profile U2U Member Reply With Quote
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.
LeeM
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Registered: 26th Sep 05
Location: Liverpool
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27th Feb 12 at 18:44   View User's Profile U2U Member Reply With Quote
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
LeeM
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Registered: 26th Sep 05
Location: Liverpool
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27th Feb 12 at 18:47   View User's Profile U2U Member Reply With Quote
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
Corsa_Sport21
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Registered: 13th Apr 08
Location: Leven, Fife. Drives : 205 GTi
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27th Feb 12 at 18:56   View User's Profile U2U Member Reply With Quote
Yep, no MOT could allow the insurer to inspect the vehicle to make sure it was in a road-worthy condition.
tom130691
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Registered: 13th Sep 08
Location: Daventry
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27th Feb 12 at 19:01   View Garage View User's Profile U2U Member Reply With Quote
worst that can happen is the car drivers insurance says no

so he has nothing to loose in my point of view
Ian W
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Registered: 8th Nov 03
Location: Wirral, Merseyside
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27th Feb 12 at 19:03   View User's Profile U2U Member Reply With Quote
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

 
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