My first MOT is due on the Vee in a couple of days (funnily enough the same day as our Espaces' is due each year) but I had decided to leave it for now (the MOT) as my Vee is curretly SORN'd and sitting in my garage doing nowt over the winter period, as it does every winter.
My plan was to get it MOT'd towards the end of January, and then tax the car for the 1st of Feb (get it taxed before the new higher rate starts), but it suddenly occured to me that if the car does not have a current MOT, then maybe the insurance is invalidated even though i'm not using the car and its SORN'd. Or maybe that the car would still be covered, but if I did need to clam (maybe the roof on my garage fell in on it, or a house fire etc etc) whilst it is parked in my garage, that with out a current MOT, the insurance company might say it wasn't MOT'd at the time of the incident and therefore, not necessarily road worthy, and therefore worth less than the market value.
The later scenario I have known insurance companies to use on a lot older cars when it comes to total losses, i.e. an old banger with 12months MOT on it would get paid out more than say the same car with only 1 months ticket left! Due to the fact it potentially had more 'life' left in it.
So with all this going round in my head, I decided to phone my insurance company and see what the score is, they told me (after the guy I was talking to spoke to his 'manager') that it would make no difference to any claim I had to make if the car was off the road & SORN'd, if it was MOT'd or not - i.e it wouldn't effect a pay out / settlement if the car was written off whilst parked in my garage.
Now I know I should of asked for this in writting (I might still phone them back tomorrow and ask for this) but does that seem correct? What would you guys and girls do, or what do you do / have you done if you've been in my situation?
I'm now thinking that i'll just go and get it MOT'd anyway (as long as I pre-book I don't have to worry about road tax) and then if I did need to claim there would be no grey area, but it is a bit of a pain, seeing that I don't really need to MOT the car until early next year.
Thoughts please people.
Regards, Steve.
My plan was to get it MOT'd towards the end of January, and then tax the car for the 1st of Feb (get it taxed before the new higher rate starts), but it suddenly occured to me that if the car does not have a current MOT, then maybe the insurance is invalidated even though i'm not using the car and its SORN'd. Or maybe that the car would still be covered, but if I did need to clam (maybe the roof on my garage fell in on it, or a house fire etc etc) whilst it is parked in my garage, that with out a current MOT, the insurance company might say it wasn't MOT'd at the time of the incident and therefore, not necessarily road worthy, and therefore worth less than the market value.
The later scenario I have known insurance companies to use on a lot older cars when it comes to total losses, i.e. an old banger with 12months MOT on it would get paid out more than say the same car with only 1 months ticket left! Due to the fact it potentially had more 'life' left in it.
So with all this going round in my head, I decided to phone my insurance company and see what the score is, they told me (after the guy I was talking to spoke to his 'manager') that it would make no difference to any claim I had to make if the car was off the road & SORN'd, if it was MOT'd or not - i.e it wouldn't effect a pay out / settlement if the car was written off whilst parked in my garage.
Now I know I should of asked for this in writting (I might still phone them back tomorrow and ask for this) but does that seem correct? What would you guys and girls do, or what do you do / have you done if you've been in my situation?
I'm now thinking that i'll just go and get it MOT'd anyway (as long as I pre-book I don't have to worry about road tax) and then if I did need to claim there would be no grey area, but it is a bit of a pain, seeing that I don't really need to MOT the car until early next year.
Thoughts please people.
Regards, Steve.
thats why i take it there
