Estate Car/Van/MPV wanted..

[harpo23z]

Originally Posted by Chrisdee

The majority of the cars stopped had been done so for not displaying a valid tax disk. Having an invalid tax disk or no MOT automatically null and voids your insurance cover. Police have handed out hefty fines for drivers caught without valid certification.

Without appearing rude can i correct you on the point of insurance,if your tax disc has expired it will not make your insurance null and void as the disc is only to enable you to keep and use a vehicle on public roads (in the UK and the rest of Europe). If your MOT has expired the only part of your insurance that is null and void will be Fire & Theft (as uk insurance companies use the mot as an indication of condition) The third party part of the insurance will still be in force.
Although i must say i am not condoning not being fully legal as it can get you into real trouble including loosing your car and maybe even a spell in prison.

[Chrisdee]

What I put as the posting was taken from the Coast Rider Newspaper, so is it a case of not believing everything you read?
What you say "the disc is only to enable you to keep and use a vehicle on public roads (in the UK and the rest of Europe)", isn't Spain/France part of Europe now then?
Oops, here comes another ruck. Gives us something to do on a hot and humid day don't it?

[harpo23z]

Originally Posted by Chrisdee

What I put as the posting was taken from the Coast Rider Newspaper, so is it a case of not believing everything you read?
What you say "the disc is only to enable you to keep and use a vehicle on public roads (in the UK and the rest of Europe)", isn't Spain/France part of Europe now then?
Oops, here comes another ruck. Gives us something to do on a hot and humid day don't it?

Chrisdee,
Sorry for the confusion what i meant about the tax disc was that it has no effect on the insurance and yes Spain is part of Europe (unless they have moved it since i was there earlier this month) as for having a ruck, well first its too hot and humid, second i dont know you well enough to be comfortable having a ding dong (all be it over the net) and i wouldnt want to upset anyone on here that takes the time to try and help others, thirdly my lunch is ready and i will get it in the neck from SHE WHO MUST BE OBEYED if i dont eat it.
Ta ta for now.

[clydegrove]

Originally Posted by harpo23z

Without appearing rude can i correct you on the point of insurance,if your tax disc has expired it will not make your insurance null and void as the disc is only to enable you to keep and use a vehicle on public roads (in the UK and the rest of Europe). If your MOT has expired the only part of your insurance that is null and void will be Fire & Theft (as uk insurance companies use the mot as an indication of condition) The third party part of the insurance will still be in force.
Although i must say i am not condoning not being fully legal as it can get you into real trouble including loosing your car and maybe even a spell in prison.

Vehicle insurance includes 2 parts and many subsections for passengers etc, but the main points are the vehicle and useage of the vehicle.

If a vehicle is parked off road or stored and is insured (with or without road tax and mot), the vehicle will be covered by the insurance company as per the insurance cover requested.
Insurance for useage on public roads is only valid if the vehicle is legal while being used on the road.

The moment the vehicle is driven on a public road without either MOT or ROAD TAX the vehicle is being used ilegally and the insurance is therefore null and void and no cover is given.
Both MOT and ROAD TAX are a government legal requirement (in any country) for using a vehicle on the public highways and a condition of insurance cover in regards to cover while driving.
When driving a vehicle that does´nt have an MOT or ROAD TAX to an MOT station you must contact the local police to ask for permission as well as contact your insurance company.
The other option is to use *Trade Plates* which is a temporary TAX DISC but these are only issued to businesses connected to vehicle sales, transportation or maintenance.

[harpo23z]

Originally Posted by clydegrove

The moment the vehicle is driven on a public road without either MOT or ROAD TAX the vehicle is being used ilegally and the insurance is therefore null and void and no cover is given.
Both MOT and ROAD TAX are a government legal requirement (in any country) for using a vehicle on the public highways and a condition of insurance cover in regards to cover while driving.

Firstly the MOT and TAX are a requirement of the law to enable the use of a car on public roads, but driving without them is not classed as a driving offence as you can only be fined for it and it does not attract any any penalty on your licence.
With regards to the insurance my daughter is an insurance underwriter for a well known insurance institution and i have it on very good authority (from her) that they only reqire proof of MOT in the event of a claim for theft of the vehicle so they can gauge the condition of it at the time of the loss.
If having a valid MOT and TAX were a condition of issuing the insurance the companies would require proof of MOT and TAX BEFORE issuing the insurance.

I have just read my policy details and it says "the vehicle should be kept in a roadworthy condition" the Mot certificate states that it is not an indication of the vehicles condition only that it met the requirements of the test ON THE DAY IT WAS TESTED, so it is not proof of being roadworthy.
My policy does mention the MOT certificate it states " in the event of a claim for total loss of the vehicle by theft or fire the claim could be reduced by 10% if a valid MOT certificate is not submitted covering the date of the loss".

[Chrisdee]

It's surprising what you find out on here isn't it? I really thought your insurance would have been null and void if you didn't have a valid MOT. I bet your life if I had an accident and it was found I didn't have all the valid documents the insurance company would find a way not to pay me out. Let's hope it never happens. I wonder if the same applies here with the ITV?
Best thing, make sure you have everything, in duplicate! Happy motoring (not this coming month, all the Madrid lot are on their way)

[clydegrove]

I don´t dis-agree with anything you say but sometimes things said or written can be seen in a different context depending on your side of the discussion.

Vehicle insurance states that the vehicle must be roadworthy but my understand is that it is both in vehicle condition and legality to be driven on the public roads, other than an annual MOT there is no other way of proving road worthyness and this is the point that it is taken from, so the vehicle must either have an MOT or not, if it does´nt, then it is illegal because it did not pass an annual MOT and at the point of having no MOT it is not roadworthy.
Road Tax is a legal requirement to drive on public roads and can be purchased annually or 6 monthly, again the expiry date is the point of illegal useage and if it has expired and not renewed then the vehicle is being used illegally and is not road worthy.
In regards to theft or fire cover being reduced by 10% if no MOT is valid, I think you will find that not having an MOT refers to a vehicle that is not being driven or on public highway and was stolen or went on fire of the public highway as it would be illegal if it is on the road.

An MOT and insurance is required to Road Tax a vehicle, each go hand in hand to complete the legality and road worthiness of the vehicle.
My reading of the policies tells me that road worthiness does not just apply to the condition of the vehicle but also the legality of the vehicle in regards to those who drive it and the legal worthiness of the vehicle while being driven on a public road.
For example if you drive a vehicle while drunk and involved in an accident you are not covered under the exclussion of acting illegally while driving a vehicle.
I don´t believe for one moment that a car being driven without an MOT or Road Tax when involved in an accident would be covered by the insurance as the vehicle should not be on the road in the first place.