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Motor Claim - expired MOT certificate

Last post Mon, Feb 12 2007, 3:27 PM by DSM. 12 replies.
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  •  Mon, Feb 12 2007, 3:27 PM

    Re: Motor Claim - expired MOT certificate

    yawn....

    support them, but don`t mislead them..........that`s what i`m saying.

    These guys come here asking for help, they need good advice, not someone to scare the life out of them by making comments that are based on a bad experience, and hardly indicative of the whole industry. Free advice is good, if it is accurate.

    My comments are based on fact, and you will note i am actually commenting that the lack of MOT does not necessarily invalidate the insurance, giving the person who asked for help some hope, and also, if their claim is turned down, some thought of challenging the decision. My comments are based on what actually happens right now in the industry, not what might have happened over the years.

    Also, you may be offering advice for free, very commendable, BUT how aggressive do you need to be :-

    "just be grateful that you did not hit my car. If I had found this out, I would have sued you for every loss possible. Forgetfulness is human, this is negligence - how much longer would it have been before you would have got the job done - all the time driving without the correct documentation? " Great piece of help that is....

    As for me being an "alleged specialist" and "so called professional" - well, I`ve been in the job 20 years, more distinctions in professional exams than you can shake a stick at, so, yes, i am able to make constructive and correct comments.

    I'm happy to place my knowledge of the industry against yours any day of the week - so, as for your comments, yes, i am specialist, and yes, i am professional, and yes, i do know what i am talking about.
    • Post Points: 5
  •  Mon, Feb 12 2007, 3:17 PM

    Re: Motor Claim - expired MOT certificate

    Ah yes - the alleged injured Insurance Specialist (DSM).

    No, I don't work in insurance - I just help the 'little people' that you lot tread on daily.

    Funy thing forums - you make an honest observation based on EXPERIENCE and you get a so-called professional who refutes this based upon ... oh yes, what their company tells them to say.

    Try buying a car at market price, getting it written off by an uninsured driver and then being told that your car is not worth what you paid for it literally a few days before hand. The matter had to go to court before the insurer backed off. Took over a year and more emotional drain that any insuracne company would pay. Or the driver with 20 years of no claims who had their car stolen and could not get their money back or a like-for-like vehicle that was insured and lost that built-up no claims because she could not afford to insure her no-claims bonus. The list goes on, but what would I know - I just support these people FOR FREE every day.

    You seem to be very ready to criticise and get annoyed with those of us who give advice for free, but fail to back up your comments with actual facts. perhaps if you read what I stated rather than get angry you'd better understand, but it's easier to ignore the salient details than to get angry with a volunteer.

    You make me sick.
    • Post Points: 20
  •  Mon, Feb 12 2007, 2:24 PM

    Re: Motor Claim - expired MOT certificate

    Landshark, do you work in insurance ? I do, and we have this thing called "Treating the Customer Fairly". We are governed by the FSA, and cannot just turn down claims coz we want to.

    My team handle total loss cases daily, and the lack of an MOT does not necessarily invalidate the insurance - unless the accident/inciodent leading to the write off was caused by something an MOT would have picked up, we do not deem it as causative, therefore we just deduct something from the market value to show the vehicle without the MOT was worth less.

    If the policy does not have a clause saying words to the effect "the policy is invalid if you do not have an MOT" then the lack of an MOT does not invalidate the policy.

    Funny things these forums, people ask for advice on a situatiuon, and the world and his dog give them loads of advice, without knowing whether they are talking crap or not......

    DSM.
    • Post Points: 20
  •  Mon, Feb 12 2007, 11:54 AM

    Re: Motor Claim - expired MOT certificate

    I know, and I do respect your position on this.

    Cat
    • Post Points: 5
  •  Mon, Feb 12 2007, 11:50 AM

    Re: Motor Claim - expired MOT certificate

    Hi Cat ... I'm a shark!

    'preciate the comment, just wish people would realise that this sort of issue is one that pushes all our insurance through the roof.
    • Post Points: 20
  •  Mon, Feb 12 2007, 11:42 AM

    Re: Motor Claim - expired MOT certificate

    Fair comment, Landshark, but I think we can all accept that to err is human??

    Cat
    • Post Points: 20
  •  Mon, Feb 12 2007, 11:39 AM

    Re: Motor Claim - expired MOT certificate

    Sorry to be negative here but please remember that this is only MY experience.

    For the last five years I have been running another voluntary help service and this has been a BIG issue with the second hand motor industry.

    Insurers have been hit with many issues recently and there is always their reticence to pay out for legitimate claims. ANY excuse not to pay will be met in their offices with a breath of relief that another one has been dropped.

    In your case, you will have to read the plicy very carefully and make sure that there is nothing in the small print regarding MOT, road worthiness (nothing to do with the MOT) or other clauses of a similar nature. Having checked with at least five insurers over the last three years (a mere drip in the pond), they ALL state clearly that if a vehicle does not have a current MOT, then the insurance is invalid. With the new electronic MOTs, there is little excuse for anyone not knowing about their MOT expiring as the certificate has a self-adhesive reminder for the windscreen which can be peeled off each time.

    I appreciate that you may be worried sick about the loss, just be grateful that you did not hit my car. If I had found this out, I would have sued you for every loss possible. Forgetfulness is human, this is negligence - how much longer would it have been before you would have got the job done - all the time driving without the correct documentation?
    • Post Points: 35
  •  Mon, Feb 12 2007, 11:35 AM

    Re: Motor Claim - expired MOT certificate

    Yes, I'm hoping for the best. I've sent off all my documents and included photocopies of the receipts for services done on the car over the last 4 or 5 years. Annoyingly I had the car serviced on the actual week it was due for it's MOT. If I'd just remembered I could have done it at the same time!
    • Post Points: 5
  •  Mon, Feb 12 2007, 11:10 AM

    Re: Motor Claim - expired MOT certificate

    I'm surprised and very heartened to hear that insurers will pay out under these circumstances.

    Very interesting! Good luck with it and let us know how it goes.

    Cat
    • Post Points: 35
  •  Sun, Feb 11 2007, 2:49 PM

    Re: Motor Claim - expired MOT certificate

    This will depend on the insurer. There will be a condition stating that you must keep the car roadworthy, and some see the MOT cert as proof of this.

    However, many companies will see that the lack of the MOT was not causative, and will be lenient, normally they just deduct something from the market value of the car when making a total loss payment, as a car without an MOT, as yours was at the time of the accident, is worth less than one with an MOT. (ask yourself, two identical cars for sale, one has 12 months MOT, one does not have an MOT. Would you pay the same price for both cars ?)

    DSM
    • Post Points: 20
  •  Tue, Jan 16 2007, 9:01 AM

    Re: Motor Claim - expired MOT certificate

    If it is any consolation to you, I too had this happen to me. My MOT was overdue for a month and strictly, the car should not be on the road, hence the accident would not have ahppened and the insurer is therefore at liberty to refuse to pay out. However, they usually do so as we can all make mistakes!
    • Post Points: 20
  •  Tue, Jan 16 2007, 8:53 AM

    Re: Motor Claim - expired MOT certificate

    Hi

    You need to declare this to your insurer as not mentioning anything could invalidate your claim. In terms of what will happen in respect of this I honestly dont know as it will be down to the insurance underwriters if they use this to make their decision on your claim, however for your own benefit you do need to be as open and honest as possible with your insurer as omitting to give any relevant details now may affect your acceptance in the future for insurance.

    I'm sorry I've not been able to be as much of a help as I would like to have been, but insurers each have their own underwriting procedures which they each respond to differently.

    Good luck though and let me know if I can be of any further help.

    Peter
    • Post Points: 5
  •  Mon, Jan 15 2007, 4:07 PM

    Motor Claim - expired MOT certificate

    Just before Christmas I had a bump in my car. Although the bump was minor (less than 10 miles an hour) it actually caused a puncture in the oil sump which then seized the engine and wrote the car off!
    We obviously claimed on our insurance and there was some minor damage to the other car bumped so they have claimed too.
    This is all fine so far but I have just discovered that my MOT has actually lapsed - 2 months before the accident. I have absolutely no idea what the repercussions of this will be when I tell the insurance company and am desperately worried.
    Do you have any idea what will happen?
    • Post Points: 35