MOT Issues

[RSClio]

Hi, just need some info regarding MOTing a car.

Basically my brothers car has been declared SORN'd for a month therefor has no insurance and TAX. Going to book an MOT next Monday.

I have been told just to drive down and somebody to follow the car behind.
Now no MOT means you cannot get TAX and Insurance so ‘if’ I did get stopped by the police what would they do, or how can you do this legally?

Thanks, much appreciated for any help.

 

[RSClio]

But you cannot insure a car without an valid MOT and TAX? That's the issue I think, taking out an policy will be void as it has none of the former requirements for a valid certificate?

 

[RSClio]

My brother cannot afford to run the car so I have to sort it out for him, if I took a day policy out with tempcover would this be adequate? I don't want to take out a policy, I know you can cancel but I don’t want to pay the deposit and whatnot and have the hassle of cancelling and the like.

 

[RSClio]

Yes I do but the car in question does not have any form of insurance so even if I did have DOC it would not be valid as the car has to be insured 3rd party or have a full policy on it, so I am lead to believe.

 

[RSClio]

Yes seen a few 'police vids' on the Sky1 channel, Road wars or something. Seen a few instances where they were stopped with no insurance as the thought there DOC covered any car, but the car has to have some sort of insurance on it, ie 3rd party at least.

I hope I was not dreaming things.

 

[RSClio]

Yes, to drive it 3rd party on your insurance the vehicle does have to be fully insured by the registered owner, and can only be driven as such in the case of an emergency, which driving to the mot station is not.

Also, you can insure a car without tax and mot, however, not having tax voids the insurance anyway making getting the insurance completely pointless.

I know because I've just had to move 2 cars around from different properties, none of which are both SORN and my wife is an insurance broker

Seeee I don't understand how I can legally drive it to the MOT station!! Eeee I may just pop down to the police station and ask there advice. Or just take a risk and drive it down. Hmmmmm...

 

[RSClio]

Please stop giving advice on situations you know nothing about. The above MAY be correct for your own insurance company. It differs for each insurer and there is no blanket 'applies to all' policy.

Some require the car to be insured by somebody else. Some do not.

Very few specify emergency use only.



No, you do not.



Seriously, stop! Driving a SORN vehicle to a prebooked MOT test is NOT a £1000 fine! It is perfectly legal provided you are insured to drive the car.

So if I take out a policy with dayinsure which provides full cover on the vehicle I can and will be ok to drive the car to the MOT station?

 

[RSClio]

Seems I can get it taxed too on the same day?

Can I buy Road Tax with a dayinsure policy?
Yes. dayinsure short term insurance is suitable. (At the sole discretion of the individual post office and we cannot guarentee that it will be acceptable).

 

[RSClio]

Yes, this is completely correct. You must book the MOT in advance, though.

Many thanks Will get a slot booked and insurance sorted on the day! Touch wood it passes and I can get it taxed on the same day too!

 

[RSClio]

ok, well, out of the 40-50 insurers my wife's company brokers for none of them would cover a car without tax, none of them would cover someone to driver the car 3rd part if a) it wasn't an emergency b) the driver wasn't over 25 and c) the car wasn't insured by the owner.

Now they cover all of the big insurers apart from Churchill. I hope that is fact enough for you.




I wasn't referring to driving to and from the MOT station, just an FYI in general because sometimes people do silly things and take little detours. I just wanted the OP to be aware of it.

How old are you anyway OP?

I'm 25, why?

 

[RSClio]

But what happens when the garage has no means to collect? Day insurance is only £22 or so.