In a Car Accident but Don’t Have an MOT? What Happens Next?

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By Crispin Bateman

on Monday 4 February 2019

Flipped car behind police tape

Do I need an MOT certificate?

By law, you need to have a valid MOT certificate for your car to be used on the road in the UK.

An MOT certificate shows that your car has been checked within the previous 12 months and found road-worthy and safe.

Don’t drive without an MOT!

What happens if I get caught without an MOT?

If you do drive without an MOT and are stopped by the police (or simply noticed by a road tax checking patrol as you drive past), then you will be subject to a fine of up to £1,000. In most cases, however, the police will issue an immediate £100 fine.

Being fined for not having an MOT certificate has no impact on your driving license and no points will be added.

Is my insurance valid if I have no MOT?

Yes. Technically your insurance and your MOT are not connected – this is important as you will need to have insurance for cars even if they are midway through repair or otherwise not yet road-worthy. Having no MOT does not void your insurance.

Be aware, however, that if you have a road traffic accident without an MOT, you may find yourself to be considered at-fault - even if you believe otherwise.

In these cases, your insurance company may contest any payments. Any serious accident will also involve the police, who will check your MOT details and issue a fine, and unlike a standard spot fine, if it can be held likely that your lack of a vehicle MOT check contributed to the crash, you will be looking at the full £1,000 maximum penalty.

If you have been in a car accident with no MOT and you are worried that you will be found to blame even though the accident was not your fault, give us a call at Non Fault Claims – we can help you with the legal situation and get you the compensation you deserve – on a No Win No Fee basis.

Do I need an MOT if my car is off the road?

No, but you do need insurance if you do not have a Statutory Off-Road Notice (SORN). If your vehicle is planned to be out of use for any length of time, it is worthwhile to apply for a SORN.

The MOT ran out and I didn’t realise, will insurance pay out?

It is your responsibility to maintain your vehicle and keep all legal requirements up to date. Claiming you didn’t know is no defence and your insurance may find a way to reject the claim if your lack of an MOT becomes relevant.

It is easy to check a car’s MOT status online at the website. Make sure you are up-to-date with all current MOT rules, including the recent 2018 changes – read our article for more information.

My car was written off with no MOT – what should I do if I was in a car accident after the MOT expired?

If you are worried that your insurance company will not cover you even though you were in a non-fault accident, then call us at Non Fault Claims today.

Our expert No Win No Fee solicitors are experienced in all aspects of road traffic law and will be able to get you the financial recompense you need.

For more information, call us today or fill in our contact form to have a specialist call you back at a convenient time.

0808 1454275

Non Fault Claims can help you begin your potential claim, get in touch today!