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Originally Posted by Angua
Agree. A neighbour frequently seems to be in possession of cars with out of date tax discs, so unlikely to be insured.
If you have no MoT your car is not insured. Perhaps there now needs to be a better check kept on card having an MoT.
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sorry but this is not quite correct, if your car is not of a satisfactory road worthy condition your car is not covered even by a valid policy, it is set out this way because a MOT certificate is only proof of road worthiness the moment it is issued, (and even then is no guarantee), how ever a car can be without an MOT ie its juts expired and has not yet been renewed but the vehicle can still be of a satisfactory and safe condition, where as many with a current MOT have infact deteriated beyond road worthiness and need attention. Of course not having a current MOT is an offence, but it having one or not does not reflect the condition of the vehicle, nor its insurable cover with your insurance schedule.
What does concern me with this is, are the type of people who on a continual basis drive without insurance etc, now going to shop for cars from the scrap yard which are almost certainly going to be in a dangerous condition, as this is where they are likley to return soon anyway and will be picked up far cheaper than most 2nd hand rotboxes, that may still have some roadworthiness about them. Really a law also needs to be introduced to stop scarp dealers selling complete cars to joe public, but that would bring about a big problem with claimants wanting salvage (to purchase back their written of car), which does return insurance companies funds, and thereby helps to a certain extent of keeping premiums lower, higher premiums may mean more uninsured drivers.