1. This site uses cookies. By continuing to use this site, you are agreeing to our use of cookies. Learn More.

Help - Insurance question!

Discussion in 'Motors' started by Aspecto, 24 Sep 2009.

  1. Aspecto

    Gangster

    Joined: 7 Mar 2005

    Posts: 296

    Location: Leeds

    My girlfriend had a small crash the other day with another driver. Exchanged details etc and went there seperate ways.

    She then rang the insurance the following day, they came and took the car away and left her with a courtesy car. Then she starts to worry that the car tax has run out. Turns out it did on the 1st of this month, as well as that it also hasn't had its MOT but was serviced about a month ago at the dealer.

    Yes i know she is stupid and in her words, "i thought it ran out next month".

    So what happens now? Is her insurance still valid? Is she in big trouble?

    She hasn't heard from her insurnace since they took her car.
     
  2. jpmonkey69

    Mobster

    Joined: 27 Aug 2003

    Posts: 3,000

    Tell her to prepare for some serious jail time.
     
  3. West

    Sgarrista

    Joined: 22 Dec 2004

    Posts: 9,098

    Location: Rugeley, Staffs

    tbh if the cars Insured I don't think there will be a problem, I doubt they'll even notice :)
     
  4. Lum

    Mobster

    Joined: 23 Nov 2008

    Posts: 3,283

    Location: South Wales

    Car is insured regardless of tax or MOT status, however the DVLA have probably already sent you a fine in the post. If they haven't (because they're incompent) then consider yourself lucky, get it taxed because if you do it now you end up paying for the whole of the month anyway.
     
  5. andy2k

    Hitman

    Joined: 15 Jun 2005

    Posts: 610

    Location: Swindon, UK

    He cant tax it without a valid MOT!
     
  6. Aspecto

    Gangster

    Joined: 7 Mar 2005

    Posts: 296

    Location: Leeds

    yeah thats the problem, so i assume she just has to wait and see what happens.
     
  7. Lum

    Mobster

    Joined: 23 Nov 2008

    Posts: 3,283

    Location: South Wales

    doh!

    SORN it until the repair is complete, hope they don't notice.
     
  8. drak3

    Wise Guy

    Joined: 26 Jan 2006

    Posts: 1,509

    Policy is valid ONLY IF all other driving conditions (License, Road Tax, MOT ....) are met, no?
     
  9. [TW]Fox

    Man of Honour

    Joined: 17 Oct 2002

    Posts: 156,671

    No.
     
  10. Lum

    Mobster

    Joined: 23 Nov 2008

    Posts: 3,283

    Location: South Wales

    No.

    The insurer are still liable for 3rd party claims, even if their insured is banned from driving, drunk, high and the car has no tax, MOT or brake hoses.
     
  11. miniyazz

    Soldato

    Joined: 25 Dec 2008

    Posts: 5,979

    Location: Sheffield/Norwich

    What if someone crashed into you while you were doing all of the above, would you still be eligible to claim off their insurance?
     
  12. [TW]Fox

    Man of Honour

    Joined: 17 Oct 2002

    Posts: 156,671

    Yes.