Car insurance and car tax policies will ‘still be valid’ during MOT extension says expert

Car insurance and car tax policies will ‘still be valid’ during MOT extension says expert

Car insurance policies will continue to remain in place during the six month suspension even if your MOT test was already due. This is because your MOT test certificate has been temporarily extended meaning you are still technically covered, according to a motoring expert at vehicle finance firm Moneybarn. 

Charles Stubbings, spokesman for finance firm Moneybarn said: “Your insurance will still be valid during this exemption period, as the DfT has said they’re effectively extending MOT certificates, meaning they’ll remain valid for insurance purposes.

“If your vehicle tax runs out during this period, you’ll still be able to renew it, as your current MOT certificate will be extended.”

While announcing the temporary MOT extension, Transport Secretary Grant Shapps confirmed road users would still be required to keep their car in a road legal condition. 

Many garages will remain open during the coronavirus lockdown for motorists who may need urgent vehicle repairs. 

Millions at risk of fines from this MOT mistake [ANALYSIS]
DVSA reveals there could be 50,000 dangerous cars [INSIGHT]
Horrific MOT failures seen by DVSA officials  [PICS]

Driving a vehicle in an unroadworthy condition could see motorists hit with massive fines and could be putting themselves and other road users at risk.

Police forces have said they will use a common sense approach to fines during this period but will be unlikely to let motorists continue driving if their cars are in a  dangerous state. 

Mr Stubbings said: “Though the DfT has extended MOT certificates from March 30th, its vital drivers make sure their vehicle is roadworthy. 

“If you know your vehicle’s having problems or believe it was going to fail its MOT, you shouldn’t be driving it.

“If you’re found to be driving an unsafe vehicle during this period, you’re still liable for prosecution and risk being fined up to £2500 and given three points on your license, or worse, banned from driving.

“This includes but is not limited to checking your tyres are inflated and the tread meets the legal limit of 1.6mm, plus checking your battery, lights, windows and mirrors.”

In some severe cases road users may be hit with fines as high as £5,000 for dangerous driving or could face a temporary road ban. 

The new regulations mean many drivers can continue using their vehicles for the next six months without needing to worry about securing an MOT test or update their car insurance or car tax. 

Road users have been automatically given a six-month MOT extension and no extra paperwork needs to be filled out for this.

A three month MOT exemption has also been put into p;ace for buses, lorries and trailers to ensure the nation can continue moving during the crisis. 

However, Mr Stubbings confirmed those who had previously failed their MOT before the coronavirus pandemic will not be given an extension. 

It means drivers who failed just before the cut off will not be legally allowed to drive their vehicles for the next six months.

Mr Stubbings said: “If your vehicle wasn’t deemed road safe prior to this new exemption, then you won’t be given an extension and your vehicle will need to pass its MOT before you’re legally allowed to drive it.

“If driving is non-essential and you’re able to carry on daily tasks without it, you’re advised not to use your vehicle if your MOT doesn’t renew.”

Published at Wed, 08 Apr 2020 06:37:00 +0000