Car Insurance/MOT thoughts

[alisonjones]

Hoping someone can give me a little advice or thoughts or this:
Our future daughter in law. (I'll refer to her as P)was in Dunelm before xmas and a member of staff there reversed into her car. P said as there wasn't much damage to forget it however, the staff member insisted that it went through insurance so all was exchanged. P had to have a hire car for about a week whilst her car was getting repaired - which was basically a small scuff on the bumper. This happened 18th Dec then on Jan 4th P noticed that she hadn't got MOT on her car since November - which she corrected straight away that day. To be fair she has had a lot on her mind - she's a Paramedic and she covers a lot of extra shifts, plus a load of personal things which were going on before xmas which were taking her mind time up. The insurance contacted her today to say she wasn't insured at the time of bump as she had No MOT - so could end up paying approx 9 grand plus fees - has anyone been in this situation - if so what happened - she knows she should have had MOT but she forgot - I feel so sorry for her. Any advice?

[lizzie145]

i would check the policy in the first instance.

£9K for a scuff on a bumper!

[alisonjones]

Originally Posted by lizzie145

i would check the policy in the first instance.

£9K for a scuff on a bumper!

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I know total rip off!?

[Wazza]

Not sure where the £9k comes from, but she definitely wasn’t insured. Hope she gets it sorted

[EssexSue]

We MOTd my car yesterday that was originally due on 29th July but date was extended. Is she sure she didn't fall in this extension.

[lindylou46]

I could be completely wrong here but wasn't there some sort of "extension" on Mot's due to covid and garages not always being allowed to open?

[123]

Originally Posted by lizzie145

i would check the policy in the first instance.

£9K for a scuff on a bumper!

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The 9K isn't for the scuff though, a very small amount will be for that.

The majority will be the out of court settlement with the other insurers for a fraudulent insurance claim, which both the OP daughter and her insurer are on the hook for.

On top of the insurer fees it is also a criminal act.

A fine of up to £1000 (£2,500 plus points if the car would have failed the MOT) for driving without an MOT.

Then there is the case of the driving without insurance (as not having an MOT invalidated her policy) that is minimum £300 fine plus 6 penalty points, unless the court decide to make an example when it can be an unlimited fine and up to 8 points and imprisonment.

Once this passes their is the small issue of insuring another car, most insurers won;t touch people with a "driving without insurance" or "insurance cancelled" marker on their file - so the few that will insure her will charge a fortune


Oh and if she is the named driver on another policy right now, as she has been told by her insurer that she was driving without insurance she has to let the insurer of the car she is named on know too, otherwise that insurance is now also invalid



An awful mess for a small oversight.

Hopefully the insurers don't involve the legal system

[123]

Originally Posted by EssexSue

We MOTd my car yesterday that was originally due on 29th July but date was extended. Is she sure she didn't fall in this extension.

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The extension was for anyone who had an MOT that would expire between March and July 2000. As the OP daughter had an MOT in place until November she wouldn't have been covered by that

[123]

Originally Posted by alisonjones

Hoping someone can give me a little advice or thoughts or this:
Our future daughter in law. (I'll refer to her as P)was in Dunelm before xmas and a member of staff there reversed into her car. P said as there wasn't much damage to forget it however, the staff member insisted that it went through insurance so all was exchanged. P had to have a hire car for about a week whilst her car was getting repaired - which was basically a small scuff on the bumper. This happened 18th Dec then on Jan 4th P noticed that she hadn't got MOT on her car since November - which she corrected straight away that day. To be fair she has had a lot on her mind - she's a Paramedic and she covers a lot of extra shifts, plus a load of personal things which were going on before xmas which were taking her mind time up. The insurance contacted her today to say she wasn't insured at the time of bump as she had No MOT - so could end up paying approx 9 grand plus fees - has anyone been in this situation - if so what happened - she knows she should have had MOT but she forgot - I feel so sorry for her. Any advice?

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Did the employee immediately say go through insurance or was this a little while after.

I ask because you can check if a car is insured and MOT'd online so maybe they saw your DIL wasn't covered by an MOT so knew they would never end up paying for the work?

[Stitch & Smudge]

There’s a car website called honestjohn which has a section for asking questions like this that they will give you advice on. Worth a go but could also be worth checking with a lawyer. I’d assume that she’ll be in a union so they might be able to assist. Best of luck.