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Hi 8 days ago I was involved in a bump with another car it was a private hire taxi no damage to my car but slight minor damage to his I have informed my insurance company but am scared the other drive… Read More
bmwm2011 Avatar
3m, 1w agoPosted 3 months, 1 week ago
Hi 8 days ago I was involved in a bump with another car it was a private hire taxi no damage to my car but slight minor damage to his I have informed my insurance company but am scared the other driver will claim messing up renewal prices but since have had a letter from insurance saying my car did not have a valid MOT and would not be paying out anything in the event of a claim and would seek to recover payment if they are obliged to pay by law, if he had claimed would insurance have told me by now and would I have to pay for his costs if he claimed btw I got a new MOT today as I got the letter today and am worried as to what will happen next any experiences or information would be really appreciated thanks.
bmwm2011 Avatar
3m, 1w agoPosted 3 months, 1 week ago
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theres a lot of mis-information on this thread. you will generally be asked 'have you had any claims, accidents or incidents within the last 3/5 years whether or not a claim was made?'

in which case, if they dont claim, you'll declare it as an incident from which no claim was made, which generally has a small/minimal effect on a policy premium. as youve informed your insurance company, it will be on the claims database as 'notification only' until a claim is made. therefore, failure to declare will invalidate any future insurance.

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Responses/page:
#1
Who's fault was it ?
They may have even checked your MOT status online and possibly reported it but if it was their fault you may be ok
#2
stefromuk
Who's fault was it ?
They may have even checked your MOT status online and possibly reported it but if it was their fault you may be ok
It is the blame game but if It was deemed to be my fault what could happen I am just hoping the third party do not claim and it is the end of the matter
#3
Yeah if they claim off you then like your insurance company have said its you who's liable to pay.
But but sure how it would work legally as they may have a duty to report you to the police for driving without a valid mot so then could lead to points & fine.
Normally with claims there's no blame game it's all black and white.
Did you pull into a road if so your fault etc etc
#4
stefromuk
Yeah if they claim off you then like your insurance company have said its you who's liable to pay.
But but sure how it would work legally as they may have a duty to report you to the police for driving without a valid mot so then could lead to points & fine.
Normally with claims there's no blame game it's all black and white.
Did you pull into a road if so your fault etc etc
Hi thanks and I was turning right at a mini roundabout and he was in the oncoming direction in traffic and reversed into me and I do not think driving without MOT can lead to points but any idea if I would have been informed by now if he had claimed thanks
#5
Why did it not have a valid mot?
#6
shauneco
Why did it not have a valid mot?
Had genuinely forgot and have now got an MOT
#7
The only thing you have going for you in taxi insurance isn't cheap and they may not want to claim for something small as it would put up their premium for a few years
#8
This could be a very expensive lesson.

The fact you have already notified your insurance company of a possible claim, will count against you for the next 5 years, as it will be recorded on your file, regardless of blame. Come renewal time, you'll be classed as a higher risk.

The fact they have already advised you that they won't pay out, as you did not have a valid MOT, per their T&c's rings alarm bells.

If the other party claims, which is likely, depending upon the damage, as his Taxi could be in breach of Licensing authority regulations. Replacement Taxi/Private Hire hire vehicles are very expensive due to the fact they can't use any car from the typical hire companies like Europcar/Avis etc.

Who was to blame?

Best course if action, would probably contact the other party and offer either cash to settle or to pay in full the cost of repairs.
#9
bmwm2011
shauneco
Why did it not have a valid mot?
Had genuinely forgot and have now got an MOT
I think it will probably state somewhere on your insurance policy that the car should be in road legal condition and will try and recover the money off of you should they claim and you'll probably be regarded as at fault. I doubt they'll inform the police and they have upto 6 months to make a claim.
#10
bmwm2011
stefromuk
Yeah if they claim off you then like your insurance company have said its you who's liable to pay.
But but sure how it would work legally as they may have a duty to report you to the police for driving without a valid mot so then could lead to points & fine.
Normally with claims there's no blame game it's all black and white.
Did you pull into a road if so your fault etc etc
Hi thanks and I was turning right at a mini roundabout and he was in the oncoming direction in traffic and reversed into me and I do not think driving without MOT can lead to points but any idea if I would have been informed by now if he had claimed thanks
8 days is still quite early.
your best bet is ringing your insurance and asking.
Don't forget it's not just driving with no MOT it's also driving with no insurance as it would be classed as invalid.
#11
Thanks guys but if no claim is made what do I declare on comparison sites where it asks about accidents and then ask claim amount thanks
#12
Have rung insurance they have said there is no claim yet
#13
bmwm2011
Thanks guys but if no claim is made what do I declare on comparison sites where it asks about accidents and then ask claim amount thanks
When it says have you had an accident in the last 5 years or whatever, the answer is yes. Asking claim amount , you put whatever it was.
Regardless of how it gets settled putting no as no accident in the past is as good as driving uninsured in the future.
#14
Ellie.Phant
bmwm2011
Thanks guys but if no claim is made what do I declare on comparison sites where it asks about accidents and then ask claim amount thanks
When it says have you had an accident in the last 5 years or whatever, the answer is yes. Asking claim amount , you put whatever it was.
Regardless of how it gets settled putting no as no accident in the past is as good as driving uninsured in the future.
But if no claim is ever made then what do I state
#15
Ellie.Phant
bmwm2011
Thanks guys but if no claim is made what do I declare on comparison sites where it asks about accidents and then ask claim amount thanks
When it says have you had an accident in the last 5 years or whatever, the answer is yes. Asking claim amount , you put whatever it was.
Regardless of how it gets settled putting no as no accident in the past is as good as driving uninsured in the future.
That's only if a claim is made by the taxi driver...
If nothing ever comes of this and no claims made then there's nothing to declare.
Just got to wait now OP and hope you got lucky.
#16
Thanks
stefromuk
Ellie.Phant
bmwm2011
Thanks guys but if no claim is made what do I declare on comparison sites where it asks about accidents and then ask claim amount thanks
When it says have you had an accident in the last 5 years or whatever, the answer is yes. Asking claim amount , you put whatever it was.
Regardless of how it gets settled putting no as no accident in the past is as good as driving uninsured in the future.
That's only if a claim is made by the taxi driver...
If nothing ever comes of this and no claims made then there's nothing to declare.
Just got to wait now OP and hope you got lucky.
Thank you I hope it goes my way
#17
bmwm2011
Thanks
stefromuk
Ellie.Phant
bmwm2011
Thanks guys but if no claim is made what do I declare on comparison sites where it asks about accidents and then ask claim amount thanks
When it says have you had an accident in the last 5 years or whatever, the answer is yes. Asking claim amount , you put whatever it was.
Regardless of how it gets settled putting no as no accident in the past is as good as driving uninsured in the future.
That's only if a claim is made by the taxi driver...
If nothing ever comes of this and no claims made then there's nothing to declare.
Just got to wait now OP and hope you got lucky.
Thank you I hope it goes my way
Are you needing insurance now ?
If so they've not cancelled your current policy have they because of it?
If so then I think you would need to tick the option where it asks if you've ever had insurance refused or canceled.
#18
stefromuk
bmwm2011
Thanks
stefromuk
Ellie.Phant
bmwm2011
Thanks guys but if no claim is made what do I declare on comparison sites where it asks about accidents and then ask claim amount thanks
When it says have you had an accident in the last 5 years or whatever, the answer is yes. Asking claim amount , you put whatever it was.
Regardless of how it gets settled putting no as no accident in the past is as good as driving uninsured in the future.
That's only if a claim is made by the taxi driver...
If nothing ever comes of this and no claims made then there's nothing to declare.
Just got to wait now OP and hope you got lucky.
Thank you I hope it goes my way
Are you needing insurance now ?
If so they've not cancelled your current policy have they because of it?
If so then I think you would need to tick the option where it asks if you've ever had insurance refused or canceled.
No they have not cancelled the policy
#19
Ellie.Phant
bmwm2011
Thanks guys but if no claim is made what do I declare on comparison sites where it asks about accidents and then ask claim amount thanks
When it says have you had an accident in the last 5 years or whatever, the answer is yes. Asking claim amount , you put whatever it was.
Regardless of how it gets settled putting no as no accident in the past is as good as driving uninsured in the future.

even in a no fault accident you need to declare it for new quotes, my wife had a no fault (car was parked another vehicle run into her) damage was only £400 but it DID affect her premium next year, only £20 or so!
#20
leitchyleck
Ellie.Phant
bmwm2011
Thanks guys but if no claim is made what do I declare on comparison sites where it asks about accidents and then ask claim amount thanks
When it says have you had an accident in the last 5 years or whatever, the answer is yes. Asking claim amount , you put whatever it was.
Regardless of how it gets settled putting no as no accident in the past is as good as driving uninsured in the future.
even in a no fault accident you need to declare it for new quotes, my wife had a no fault (car was parked another vehicle run into her) damage was only £400 but it DID affect her premium next year, only £20 or so!
But I am guessing a claim was made through insurance but I was asking if there was an accident but no claims by me or third party
#21
yes there was a claim, I was just highlighting some insurance procedures that are downright wrong.

don't understand why you contacted insurance, this could have gone away by simply doing nothing.
#22
leitchyleck
yes there was a claim, I was just highlighting some insurance procedures that are downright wrong.
don't understand why you contacted insurance, this could have gone away by simply doing nothing.
Yes I agree but if the third party had claimed and I had not informed my insurance then I guess they would not be too happy
#23
As far as I'm aware once you've informed your insurance of an accident then you need to declare it on future insurance quotes regardless of fault or pay out as all your details are on a central system. so if you said no then have an accident your insurance company can nullify your insurance leaving you in a similar position to now. Make sure if the taxi driver does claim and it goes in your favour that your insurance records it as a non fault claim.

We had a car hit us when they turned into a road while we were going across the main rd. They couldn't understand it was their fault so went through insurance. as the was no damage to our car we weren't interested in claiming and once the other parties insurance had advised them they were at fault they dropped the claim. I still had a claim on my file and it took 6 months to get it removed as a non claim. so keep an eye on what they record it as.
#24
hi, first of all your insurance cannot decline to pay because lack of mot, only if you cannot prove that the car is roadworthy. (so take it for a pre mot get any repairs done before and only than take it for actual mot)

the taxi has 7 years to claim and he will as he is a taxi he can take his car of the road and get full money without doing any work.

your renewal will go up regardless of a claim as soon as you inform your insurance. and regardless of fault.

basically seek basic legal advice regarding how to write back to insurance and how to prove road worthiness, will be well worth the £50 an hour it will cost you.
#25
If they don't make a claim then it may impact your renewal quote with your current provider.

However if taking out a new quote you don't have to declare it has no claim has been made.

I've been in a similar situation, my fault accident but they didn't claim, My renewal went up slightly so changed over and didn't have to declare anything.

As it is recorded you'll go as a statistic and it'll go towards the cost of everyone else's insurance etc.


Edited By: shauneco on Feb 09, 2017 15:54
#26
shauneco
If they don't make a claim then it may impact your renewal quote with your current provider.
However if taking out a new quote you don't have to declare it as no claim has been made.
I've been in a similar situation, my fault accident but they didn't claim, My renewal went up slightly so changed over and didn't have to declare anything.
As it is recorded you'll go as a statistic and it'll go towards the cost of everyone else's insurance etc.
Thanks for the clarification
#27
Driving without an MOT won't always make your insurance invalid. In most instances the insurers will still pay out in full - and if your car is stolen, or damaged, the payout will usually only be reduced to reflect the value of the car without a current MOT.

However, some policies state in the small print that an MOT must be in force.

http://www.parkers.co.uk/car-buying/2016/is-your-insurance-valid/

Basically read your insurance document to see what the small print says
banned#28
so you knew you didn't have mot and now your in trouble. you could have offered cash.
as you have reported the incident ask the insurance if he is claiming or not, they will be happy to tell you.

ring the guy if you have his number.
you have 2 things to worry about rather than 1
#29
bmwm2011
stefromuk
Yeah if they claim off you then like your insurance company have said its you who's liable to pay.
But but sure how it would work legally as they may have a duty to report you to the police for driving without a valid mot so then could lead to points & fine.
Normally with claims there's no blame game it's all black and white.
Did you pull into a road if so your fault etc etc
Hi thanks and I was turning right at a mini roundabout and he was in the oncoming direction in traffic and reversed into me and I do not think driving without MOT can lead to points but any idea if I would have been informed by now if he had claimed thanks
They were reversing onto a mini roundabout?
#30
theres a lot of mis-information on this thread. you will generally be asked 'have you had any claims, accidents or incidents within the last 3/5 years whether or not a claim was made?'

in which case, if they dont claim, you'll declare it as an incident from which no claim was made, which generally has a small/minimal effect on a policy premium. as youve informed your insurance company, it will be on the claims database as 'notification only' until a claim is made. therefore, failure to declare will invalidate any future insurance.

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