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Insurance Question


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#1 steveo

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Posted 11 February 2015 - 07:23 PM

Hi all,

 

My wife reversed off of our drive this morning and collided with a parked car (which was parked easily less than 5 metres from opposite a T-junction).

The owner did not answer the front door, so we left a note for them to stop by our house at there earliest convenience.

 

Doing a little searching on the internet - I have found that the vehicle is possibly without MOT - expiring 30/01/2015.

 

 

Could the experts amoungst this area confirm 2 things for me?

 

1. Vehicles with no MOT should not be parked on the road, but suitably off-road?

2. Not having a valid MOT means your insurance is invalid? 

 

Any wisdom people could share would be greatly appreciated

 

Kind Regards

 

Steve



#2 Bungle

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Posted 12 February 2015 - 08:01 AM

weather the car is legal or not your wife still hit it

 

 the relevant legislation regarding MOT is section 47 of the 1988 RTA , google tells me



#3 robminibcy

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Posted 13 February 2015 - 12:10 AM

As above. If you/wife hit it do the decent thing and just be honest, its up to the insurers to decide to pay out or not. A car does not need mot to be insured anyway as you can drive to and from mot stations/ places of repair.

#4 steveo

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Posted 16 February 2015 - 06:55 AM

Thanks all

 

We have spoken to the owners and dealing with it down whichever route the neighbours decide upon (they shared info that a replacement door on eBay for £40 with us)

 

I was looking for info to ensure my neighbour wasn't going to be caught out as last thing they would want is a damaged car with invalid insurance and therefore worse-off then paying for a body repair outside the insurance companies and informing them there MOT has expired






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