25th March 2020

It is usually a condition of motor insurance that motor vehicles; where the law states they must, should have a valid MOT and absence of such might cause problems in the event of a claim.

On 25 March Government announced its intention to grant MOT exemption in battle against coronavirus https://www.gov.uk/government/news/vehicle-owners-to-be-granted-mot-exemption-in-battle-against-coronavirus

Our members tell us that the insurer response to the decision to extend MOTs on vehicles is very positive.  We expected there to be no implications, as long as vehicles remain roadworthy and motorists are not ignoring obvious safety issues.

Motor insurance demands that any vehicle which requires one, must have a valid MOT however most insurers are saying that absence of an MOT certificate in itself, will not invalidate the cover.  It is important however to note that:

  • The vehicle would likely have been expected to have an MOT prior to the Government announcement of March 25; and
  • Insurers may reserve the right to satisfy themselves that the insured vehicle was roadworthy if an accident occurs, and no MOT is available, and the circumstances deem it prudent to do so.


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