A valid MOT certificate is required to renew your vehicle’s annual road tax; however, you can insure your vehicle without one. The most important thing to remember about insurance is that if you don’t have a MOT certificate, your insurer would most likely refuse to cover you in the event of an accident.
When it comes to taxing your vehicle, it will be checked to see if it has a current MOT certificate, which must be obtained before it can be taxed. Driving without a valid MOT certificate is prohibited, and your insurance coverage may be canceled as a result.
Is a car insured if no MOT?
In most circumstances, your insurance will no longer be valid once your MOT expires. As a result, if you have an accident, your insurance company will not cover your van, and you will have to pay for any repairs yourself â or risk having your van written off. If you caused the collision, you’ll also be responsible for the damage to any other vehicles involved, which could be rather costly. Driving without adequate insurance is also unlawful, and if you’re discovered, you might face an unlimited fine or possibly disqualification from driving, as well as six to eight penalty points.
Can I drive a car I just bought with no MOT?
You can drive your vehicle to a testing center without a MOT if you plan ahead of time, but if you are stopped by the authorities, you will need to present documentation of your appointment. If your vehicle is found to be risky, you may still face a penalty, regardless of your booking.
Does MOT affect insurance?
It varies, once again, depending on your insurance company. If your policy requires you to have a valid MOT certificate, which it commonly does, your insurance will be revoked, and you won’t be able to file a claim. You’ll be responsible for any repairs to your automobile, as well as any damage to other vehicles. Furthermore, if you are involved in an accident or are stopped over by the authorities, you may be charged with driving without valid insurance and having an invalid MOT.
If having a MOT isn’t a requirement of your policy, the assessor in charge of your claim will have to judge if your automobile was roadworthy at the time of the claim. They’ll have to undertake a more complete examination to gather evidence concerning the car’s condition before making that judgment. At the very least, this will undoubtedly lengthen and complicate the claims process.
Even if your insurance company determines that your automobile is roadworthy and that your policy is genuine, if your car is written off or stolen, you will likely receive a reduced payout. That’s because if your automobile doesn’t have a valid MOT, its value will plummet.
What happens if your MOT expires?
If your MOT has expired, you must schedule a new test and refrain from driving the vehicle until the test is completed. You can, however, get a new MOT up to a month before your current one expires, allowing you to accommodate the test into your hectic schedule.
What is the fine for no MOT?
A’refusal of a MOT test certificate’ will be sent to you, which will be registered in the MOT database. If you drive a ‘hazardous’ car, you might face a fine of up to £2,500, as well as a driving ban and three penalty points.
Can the police tell if your MOT has expired?
Are ANPR cameras used to inspect MOTs? Yes. ANPR cameras use a photo of a vehicle’s registration to cross-check registration plates. This photo is automatically encoded and compared to a national database so that they can know right away if a vehicle’s MOT certificate, road tax, or insurance is expired.
How long do you have to get MOT after it expires?
While many people are completely unaware of all of the restrictions, it is critical to understand the ramifications of failing to renew yours. Here’s a quick rundown of what you should know:
- Only if you’ve scheduled a test and are on your way to the center can you drive with an expired certificate.
- You can only drive your car if your previous certificate is still valid if you fail a test. This is feasible if the test was conducted earlier than the previous year’s.
- Regardless of the preceding guideline, you may not drive your car if the report shows that it is not roadworthy.
- MOT tests can be done at any point during the 12-month period as long as they are completed before the current one expires.
- If you perform the required repair work and schedule the second test within 10 working days after the first, re-testing is free.
- They can also impound your car if it has an invalid certificate, in addition to a fine of up to £1,000.
Tractors, electric goods vehicles, cars 3 years or newer, and cars and motorcycles produced before 1960 are the only vehicles free from VAT laws. If your certificate is invalid and you have an accident, your insurance coverage may be voided, leaving you with a large repair price.
What happens if you forget to MOT your car?
Sure, no one wants to get fined, but what else could happen if you let your MOT expire? If you drive your vehicle on the road without a valid MOT, your insurance may be invalidated if you have an accident. You can also be putting yourself in danger by driving an unsafe automobile. Similarly, every automobile that fails its MOT will henceforth be designated as ‘hazardous’ until all repairs have been done and the vehicle has been retested. Even though your automobile has a valid MOT, it can be categorized as unsafe. Driving a ‘hazardous’ vehicle comes with a slew of extra consequences, which you can learn about here.
What comes first MOT tax or insurance?
If you’ve recently purchased a car, you’ll need to register it in your name before driving it away. When you buy a car, the road tax is not transferred from the previous owner to you, the new owner. If the car is older than three years, you must also have insurance and a valid MOT.