Driving Without an MOT
All UK registered vehicles along with road tax, insurance and Ministry Of Transport test (MOT) test status are now kept on computer databases.
Driving without MOT penalty
This enables police patrols to pull you over with ease and additionally, static cameras may also catch a vehicle driving without a valid MOT test certificate. The penalty for driving without an MOT is not generally too severe if dealt with swiftly. No points are issued on a drivers licence although a fine is imposed by court of up to a maximum of £1000.
A fixed penalty notice is usually the method dealt with by police which costs the driver £60. Failure to pay, or repeat offenders will receive a court summons where the fine will escalate and will include court costs.
Having a valid MOT test certificate doesn’t necessarily mean the vehicle is road worthy. Using a vehicle in a dangerous condition, for example defective brakes, illegal tyres, defective steering, can land a driver with significantly higher fines and points on their licence. The maximum fines imposed are:
- LGV £5000
- PCV £5000
- Other vehicles including cars £2500
3 penalty points for each offence, for example 3 points for defective brakes, 3 points per illegal tyre, 3 penalty points for defective steering are placed on the drivers licence. Other than the initial fine and court costs, the financial burden is increased for a further 4 years – the duration in which the penalty point last on a drivers licence. If fortunate not to lose the licence due to exceeding 12 penalty points, the added points will certainly increase vehicle insurance premiums.
Does no MOT invalidate insurance?
It is a common misconception that driving around without a valid MOT will automatically invalidate car insurance. The majority of car insurance providers make no mention of an MOT and stipulate in the terms and conditions of the contract that the vehicle must be in a roadworthy condition. An MOT is no guarantee that your vehicle is in a roadworthy condition other than the moment you leave the MOT station with your new certificate. Also, those intentionally driving without a valid MOT would have no reason to purchase car insurance if it was automatically invalid.
Few car insurance companies stipulate that a valid MOT certificate must be present in the event of a claim, else the insurance will be void. Generally, for minor claims, the insurance provider will not ask to see a valid MOT certificate. For large claims, where the vehicle might be a write-off, things may become more complicated if no valid MOT has been issued for the vehicle.
Certainly not having a valid MOT does give an insurance company grounds not to honour a claim. In many situations however, it could be argued, especially by a legal representative that by not having a valid MOT was irrelevant due to the nature of an accident and what caused it may have perhaps been driver error (as in most cases) and not vehicle failure.
Ultimately it would cost insurance companies far too much in lost cases by small claims courts if they were to challenge every case due to not having a valid MOT. This is why claims are assessed on an individual basis, partly among other things such as driver error, is if the vehicle was in a roadworthy condition and whether a particular defect caused the accident.
An MOT certificate whether present or not provides no proof of the vehicle being in roadworthy condition. Often however, the lack of a valid MOT certificate simply results in a reduction of the claim settlement, if anything at all.
When can you drive without an MOT
To drive on a public road, a car must be taxed, insured and have a valid MOT. An exception to this however is if you are driving your vehicle to a pre-booked MOT test. This must be a direct route and to your nearest garage that provides MOT tests.
It is however worth taking into account that the very fact you are taking your vehicle to undergo an MOT test, may well suggest your vehicle isn’t road worthy and other then the fact you are driving illegally due to not having an MOT, you may be committing other offences such as defective tyres, defective brakes etc.
If stopped, the police may be lenient if driving to a pre-booked MOT. Take along contact telephone details of the garage so they may be contacted in the event of being stopped. Ideally of course, take advantage of a garages MOT test reminder service so you can get your car tested up to 1 month before your old MOT expires.
Remembering car MOT
Nobody wants to receive a fixed penalty notice for £60 for having no valid MOT certificate. It is however all too easy to forget to have you car tested. Many garages the provide MOT testing services offer an additional free reminder service. This can be in the form of a telephone call, text or letter. Ask your local garage if you can be included into this service as it will prevent you from the risk of driving without an MOT test certificate.
The Vehicle and Operator Services Agency (VOSA) also operates a text MOT reminder service. To use this service, you must use a UK registered mobile phone and vehicle. You must provide the vehicles latest MOT test certificate number and to allow your mobile phone to incur a charge of £1.50 per year each time this service is used. See here for further information on this service.