Estate Car/Van/MPV wanted..

[Chrisdee]

Van/car needed

It's surprising what you find out on here isn't it? I really thought your insurance would have been null and void if you didn't have a valid MOT. I bet your life if I had an accident and it was found I didn't have all the valid documents the insurance company would find a way not to pay me out. Let's hope it never happens. I wonder if the same applies here with the ITV?
Best thing, make sure you have everything, in duplicate! Happy motoring (not this coming month, all the Madrid lot are on their way)

[clydegrove]

I don´t dis-agree with anything you say but sometimes things said or written can be seen in a different context depending on your side of the discussion.

Vehicle insurance states that the vehicle must be roadworthy but my understand is that it is both in vehicle condition and legality to be driven on the public roads, other than an annual MOT there is no other way of proving road worthyness and this is the point that it is taken from, so the vehicle must either have an MOT or not, if it does´nt, then it is illegal because it did not pass an annual MOT and at the point of having no MOT it is not roadworthy.
Road Tax is a legal requirement to drive on public roads and can be purchased annually or 6 monthly, again the expiry date is the point of illegal useage and if it has expired and not renewed then the vehicle is being used illegally and is not road worthy.
In regards to theft or fire cover being reduced by 10% if no MOT is valid, I think you will find that not having an MOT refers to a vehicle that is not being driven or on public highway and was stolen or went on fire of the public highway as it would be illegal if it is on the road.

An MOT and insurance is required to Road Tax a vehicle, each go hand in hand to complete the legality and road worthiness of the vehicle.
My reading of the policies tells me that road worthiness does not just apply to the condition of the vehicle but also the legality of the vehicle in regards to those who drive it and the legal worthiness of the vehicle while being driven on a public road.
For example if you drive a vehicle while drunk and involved in an accident you are not covered under the exclussion of acting illegally while driving a vehicle.
I don´t believe for one moment that a car being driven without an MOT or Road Tax when involved in an accident would be covered by the insurance as the vehicle should not be on the road in the first place.