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20 Jan 21, 02:54 PM |
#1
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Imagineer
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Car Insurance/MOT thoughts
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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20 Jan 21, 03:09 PM |
#2
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Imagineer
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i would check the policy in the first instance.
£9K for a scuff on a bumper!
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June 2006, August 2007, September 2018, January 2019, September 2019, February 2020, December 2021, February 2022, December 2022 |
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20 Jan 21, 03:18 PM |
#3
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Thread Starter
Imagineer
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20 Jan 21, 03:23 PM |
#4
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Imagineer
Join Date: May 20
Location: Harlow
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Not sure where the £9k comes from, but she definitely wasn’t insured. Hope she gets it sorted
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20 Jan 21, 03:24 PM |
#5
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VIP Dibber
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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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20 Jan 21, 03:25 PM |
#6
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slightly serious Dibber
Join Date: May 14
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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?
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20 Jan 21, 03:26 PM |
#7
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Imagineer
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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 |
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20 Jan 21, 03:28 PM |
#8
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Imagineer
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20 Jan 21, 03:30 PM |
#9
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Imagineer
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20 Jan 21, 03:30 PM |
#10
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Imagineer
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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.
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