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| Slideywindows Member Since: 09 Sep 2016 Location: North Essex Posts: 1283  
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It shouldn't make any difference.
It didn't for mine. The reason is that you are still under a legal obligation to keep the vehicle roadworthy even without an MOT. MOT or no MOT, if it isn't roadworthy and you have an accident, guess what will happen...... 
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14th Jun 2020 2:44pm |
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| blackwolf Member Since: 03 Nov 2009 Location: South West England Posts: 17387  
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I don't think an insurance company can insist on an MOT if one is not legally required.
It's never been an issue with any of my MOT-exempt vehicles. As noted above if used on the road it must still be roadworthy, i.e., in a condition in which it would pass an MOT anyway. |
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14th Jun 2020 2:57pm |
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| A-Plan Insurance Site Sponsor Member Since: 30 Oct 2013 Location: United Kingdom Posts: 344
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If it's MOT exempt that doesn't really make a difference to insurance - but your car must remain roadworthy to be on the roads.
So as above, MOT or MOT exempt, it's your responsibility to make sure it's roadworthy - there's information on the gov.uk website regarding this. I.e. if you have an accident caused by the fact that your car was not in a safe condition then the insurers may refuse a claim. The gov website explains things that need to be checked, many opt for a voluntary check at a garage (no necessarily an MOT) but just for piece of mind - which is wise but not a requirement if MOT exempt. Carlie Howden Insurance - Specialist Vehicle Call us on 01635 874646 for a quotation |
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29th Jun 2020 3:06pm |
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