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[Andy B]

https://www.pistonheads.com/gassing/topic.asp?h=0&f=10&t=1675707

[Doctor Gollum]

In this situation it is effectively uninsured as you have blatantly failed to maintain your vehicle in a roadworthy condition.

ie if you prang it, they won't pay out because you should NOT have been using the vehicle in the first place... 

The only exemption is to/from test or place of repair in relation to said test... And even then I suspect that you will find your cover limited to Third Party only

how does the lack of a piece of paper say that your car is not roadworthy? That's like saying that a MOT certificate is a guarantee that your car IS roadworthy

It is on the day of issue.

Fail to present it for an annual test and use it on the road and you have no way to prove that it has been independently tested according to the legally required standard.

The automatically qualifies it as being of unroadworthy condition. Good luck proving otherwise. 

[BazaJT]

I think I see where DG is coming from on this,if you're using your car on the road[other than to/from a pre-booked M.o.T.]without such a certificate then at least technically[and most probably legally]your insurance would be invalid.I know the M.o.T. only really means the testable items were passed at the time they were inspected but to all intents and purposes it is taken as being legal for a year-blatantly obvious faults such as bald tyres, worn out brakes,blown bulbs aside of course.Anyway now I know it's run out the problem will be addressed.It just came as a shock that it'd run out as it seems nothing like a year ago that it was last tested.

[Doctor Gollum]

Time flies when you're a slave to the mill having fun

[henryd]

In this situation it is effectively uninsured as you have blatantly failed to maintain your vehicle in a roadworthy condition.

ie if you prang it, they won't pay out because you should NOT have been using the vehicle in the first place... 

The only exemption is to/from test or place of repair in relation to said test... And even then I suspect that you will find your cover limited to Third Party only

I crashed a customers car(was crashed into actually),insurance paid out with no issue,no mention made of the expired mot(I was on way to test but ins company didn't know that or ask)

[Doctor Gollum]

Was it made known that you were 'in trade' 

[henryd]

Was it made known that you were 'in trade' 

Traders policy,but shouldn't make a difference,it was the third party that paid out so You'd have thought they would have done there homework

[Andy B]

.... .It just came as a shock that it'd run out as it seems nothing like a year ago that it was last tested.

Likewise when I found out mine had run out  .... I found the same way in that the DVLA website would let me tax it.

[TheBoy]

The insurance thing is probably a grey area, and given the competitiveness of the industry, they always look out for ways to pay out...

...but I think they would have a hard job fighting it.

[Rods2]

The insurance thing is probably a grey area, and given the competitiveness of the industry, they always look out for ways to pay out...

...but I think they would have a hard job fighting it.

That is what the Insurance Ombudsman is for and they will have guidelines known by insurers.