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BMW 3-Series (E90 E92) Forum > BMW E90/E92/E93 3-series General Forums > Regional Forums > UK > UK Off-Topic Discussions > No MOT = No Insurance ?



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      05-03-2019, 09:14 AM   #1
hp88
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No MOT = No Insurance ?

Had a bump with someone this morning, exchanged details ect.. and went off to work. Thought I would check his car to see if it's all legal and turns out that this MOT expired over a month ago

I need a new mirror and the wing needs a bit of attention, I would say no more than 400 to put everything right. His was far worse so I got the impression he want to go down the insurance route.

Question I have got here is, will his insurance still be valid ? He's with AXA by the way.
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      05-07-2019, 04:45 AM   #2
sirleeofroy
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I'm pretty certain that means their insurance is invalid....

Insurance is based on (amongst other things) a roadworthy vehicle, if said vehicle does not have MOT to confirm that then the insurance is invalid. That said, I'm not sure how that would work with them making a claim against your insurance....
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      05-07-2019, 05:20 AM   #3
The0pportunist
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In this situation i believe his insurance are obliged to pay for damages & then will try to recover the costs from him directly.

You should be fine but i'm not so sure about him.
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      05-08-2019, 04:46 PM   #4
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He's fluffed, bad day for him for sure. Did he attempt to settle outside of insurance or was it just a case of swapping details?
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