Do insurance companies check MOT?

So your insurance company can use it to check if you’ve got a valid MOT on your car, too.

Does having no MOT invalidate insurance?

Is my car insurance still valid if my MOT expires? It might be, but it’s very unlikely. So, in most cases your insurance will be invalidated if you drive without an MOT and that means you’ll be breaking the law twice: first by driving without a valid MOT and second for driving without valid insurance.

Is my insurance valid if my MOT has run out?

In most cases, as soon as your MOT expires, your insurance will no longer be valid.

Do you get 3 points for no MOT?

You can only drive a car that’s failed an MOT test if your current certificate is still valid and no serious problems were found. If you drive a vehicle deemed ‘dangerous’ you can be fined up to £2,500, as well as receive a driving ban and 3 penalty points.

What happens if you have an accident with no MOT?

If you are involved in an accident without a valid MOT, you could be liable for all repairs, including those of any other parties involved, as insurers will deem your cover invalid. The MOT database is now completely computerised, and the police can check records almost instantly to catch out illegal motorists.

What happens if my MOT runs out?

If your MOT has expired then you need to get the car booked in for a fresh test and not drive it until the test has been completed. However, you can have a new MOT done up to a month before your old one expires, so you can fit the test around your busy schedule.

How many points is no MOT?

3 penalty points
Driving without an MOT What’s the penalty for driving with no MOT? You’ll be awarded both fine and a penalty for having no MOT. For driving a car in a dangerous condition, the allocation is 3 penalty points.

What happens if you forget to MOT your car?

If your vehicle fails its MOT test you aren’t allowed to drive it further, unless you are driving to a pre-booked repair and MOT appointment and no serious faults were found on your vehicle.

Is no MOT a criminal Offence?

Driving without an MOT is a criminal offence The fact is that driving a car without a valid MOT is a criminal offence under Section 47 of the Road Traffic Act 1988. An MOT certificate guarantees that your vehicle is road worthy and safe to be driven around.

Can police impound your car for no MOT?

Your car may also be impounded. Driving without a valid MOT should not be confused with driving a vehicle that is considered not to be roadworthy and in a dangerous condition. In addition to a heavy fine, 3 points may be issued to the driver’s licence per defect.