-
Posted By : David Styles, 19-Dec-2003,
04:03pm
this one keeps coming up,....... !
If I remember rightly from previous replies, only if its booked in beforehand.
and its meant to be your nearest MOT tester.
and if it fails, you are NOT insured to drive home !
I'm sure if you do a search on the board you'll turn up the letter of the law.....
but I'm quite sure thats the gist of it...
-
Posted By : Doug Paterson, 14-Jan-2004,
11:16pm
A further point to remember is that EVEN if your policy provides 3rd party cover for you to drive a vehicle you don't own, that said vehicle MUST
usually be covered by its own policy i.e. the cars owner must have it insured.
This makes a lot of sense when you think about it as if you drive it somewhere (under your insurance) and park it somewhere, if the owner does not
have a policy on it it will be parked on the public highway uninsured - and thats not allowed.
Doug
-
Posted By : Andrew Lewis, 19-Dec-2003,
04:46pm
Is it not the case that Fully comp insurance, whilst usually giving you third party insurance to drive other vehicles, doesn not give you ANY insurance
on other vehicles YOU OWN?
Otherwise, we could all have fully comp with Footman James at £100 on our Triumphs, and use that to give us 3rd party cover on, say, our
Porsches, which would otherwise cost £500 for 3rd party.
So far as cover for MOTs is concerned, if you have a policy for the un-MOTd car, it will cover you if you have pre-booked the appointment.
-
Posted By : David Bowers, 19-Dec-2003,
05:19pm
Thanks guys, it looks like I need to insure the car after all.
Cheers
David
-
Posted By : Mike Crewes, 20-Dec-2003,
10:47am
David
Just to make absolutely sure that the advice you have received is correct, here is the legal standpoint, but most people seem to have it right.
Firstly, if you wish to drive any vehicle on a road you need insurance for it. If you own the vehicle you will need to tell your insurance company who
may add it to an existing policy, or start a new policy. Otherwise it is not insured.
If you don't own the vehicle you may be insured third party on your own policy, but you may not.
Insurance is only valid if the car is roadworthy.
You may drive a vehicle that has no current MOT Test Cetificate to an prearranged MOT appointment (it doesn't have to be your nearest station, but you
must be reasonable about the distance) and if it fails you can drive it back home again, or to somewhere where it can be repaired.
You will need to ask your insurance compnay if it is covered for these eventualities. For instance they may not cover you for the return trip if it
fails.
The best people to advise you on insurance is ALWAYS your insurance company, because they do vary slightly.
Hope this helps
Mike Crewes
copshop@tssc.org.uk
-
Posted By : Jason Chinn, 20-Dec-2003,
11:16am
Just to add a few comments form an insurance perspective.
A valid MOT test certificate is usually not a policy requirement, I have never seen it as a policy requirement. HOWEVER - the requirement is
usually that the vehicle be in a "safe and roadworthy" condition and that the policy holder has "taken all reasonable precautions to safeguard
against loss or damage" So driving down the road with no brakes will render your insurance invalid even if you have an MOT cert. The same for is
you are just going to or from the test station. The MOT only proves the car was in acceptable condition at the time of the test so for insurance
purposes, whilst it's a good indication that the car was "safe and roadworthy" it is not the be all and end all.
There's a difference between having an insurance policy and being insured - insurance will look after you if you have played the game, the rules of
the game are in your policy. Cheat and you'll be left high and dry. Costly at best, illegal always - for the odd case of getting the car to and
from an MOT test I'd look at getting your local garage to do the test for you and arrange collection/delivery or find a mate with a a trailer -
it's probably cheaper and less risky than doing it on the cheap and potentially getting into deep crap for it.
J