Car insurance: Motorists must be covered even if a vehicle fails its MOT

Saturday, 13 February 2010

Latest government figures reveal that just over 36 per cent of cars failed their MOT between 2008 and 2009.

However, new government regulations state that a vehicle must still be covered by car insurance, regardless of whether it has been deemed roadworthy or not.

The Department for Transport announced a series of new rules at the end of last year which would make it illegal to keep uninsured vehicles regardless of whether it is driven on the road.

However, drivers who have a valid Statutory Off Road Notice (SORN) will not need insurance.

Drivers should always seek advice from their car insurance provider if their vehicle fails its MOT, as many policies may only cover a vehicle for theft, attempted theft or fire damage if the car is declared long-term off-road by the DVLA under a Statutory Off Road Notification (SORN).

Therefore, it is essential for drivers to declare a vehicle off-road with the DVLA if it fails its MOT and is not immediately repaired.

Posted by Rick Malone

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