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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



#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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