What Happens if I Drive my Car Without an MOT? If you do drive a vehicle without a valid MOT it will invalidate your insurance, and if you have an accident or are stopped by the police, you will be liable to face prosecution for MOT non-compliance. The only time you may drive a car without a valid MOT is if you are driving to a pre-arranged test appointment or to a garage that will carry out repairs that are required for your vehicle to pass the MOT test.
From the Governments own web site
Again not.
And this is quoted by numerous ignoramouses but none of which are government sources.
It seems to have originated in this location
http://www.nopenaltypoints.co.uk/NoMOTAndThePenalties.html
which is frequently inaccurate in relation to road traffic law and was copied word for word as fact on to numerous other websites including Pistonheads and Yahoo Answers.
It is wrong.
There are currently two insurers (to my knowledge) who have attempted to include "no MOT, no insurance" in their terms and conditions and I have successfully sued both of them on the issue. I have also reported one of them to the Ombudsman and I understand they are now changing their wording.
In all other policies the vehicle is required to be "roadworthy". An MOT may be an indication as to whether a vehicle is "roadworthy" or not -- and it will certainly not be roadworthy if it has failed one -- but an MOT which has run out does not indicate that a vehicle is not roadworthy, nor indeed does an MOT (which may be up to a year old) ensure that a vehicle is roadworthy.
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