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Jon w



Member Since: 22 Dec 2015
Location: North East Wales
Posts: 36

Wales 1991 Defender 90 200 Tdi HT Epsom Green
MOT exempt vehicles

I have a Series 2 which can technically be classed as MOT exempt. Where do insurance companies stand with this? Do you still need to take it for an MOT to be covered? As a lot of policies state MoT and road worthy condition

Thanks

Jon

Post #837124 14th Jun 2020 2:07pm
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Slideywindows



Member Since: 09 Sep 2016
Location: North Essex
Posts: 1065

England 

It shouldn't make any difference.

It didn't for mine.

The reason is that you are still under a legal obligation to keep the vehicle roadworthy even without an MOT.

MOT or no MOT, if it isn't roadworthy and you have an accident, guess what will happen...... Shocked


To get a comprehensive answer, perhaps join the Series Two Club forum?

https://www.series2club.co.uk/new_forum/index.php?action=unread

Post #837141 14th Jun 2020 3:44pm
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blackwolf



Member Since: 03 Nov 2009
Location: South West England
Posts: 11593

United Kingdom 2007 Defender 110 Puma 2.4 DCPU Stornoway Grey

I don't think an insurance company can insist on an MOT if one is not legally required.

It's never been an issue with any of my MOT-exempt vehicles.

As noted above if used on the road it must still be roadworthy, i.e., in a condition in which it would pass an MOT anyway.

Post #837148 14th Jun 2020 3:57pm
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A-Plan Insurance
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Member Since: 30 Oct 2013
Location: United Kingdom
Posts: 284

United Kingdom 

If it's MOT exempt that doesn't really make a difference to insurance - but your car must remain roadworthy to be on the roads.

So as above, MOT or MOT exempt, it's your responsibility to make sure it's roadworthy - there's information on the gov.uk website regarding this. I.e. if you have an accident caused by the fact that your car was not in a safe condition then the insurers may refuse a claim.

The gov website explains things that need to be checked, many opt for a voluntary check at a garage (no necessarily an MOT) but just for piece of mind - which is wise but not a requirement if MOT exempt.

Carlie A-Plan Insurance
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Post #840482 29th Jun 2020 4:06pm
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