Insurance for mot

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Garef

Member
I'm taking my R for an MOT tomorrow, I was wondering what people would suggest for getting it insured.

I'll be honest and say that if it fails the MOT then I won't have the time or money to put into it to get it road worthy any time soon.

So with that in mind, I don't want to get shafted on insurance if I am possibly only needing it for one day.

Does anyone have any suggestions on what may be the best avenue to go down.

No I don't have a trailer. ;-)

Cheers.
 
T

Tim

New Member
You have a 14 day grace period when you enter an insurance contract, so if it fails, cancel your insurance and get your money back.
 
PobodY

PobodY

Moderators
Staff member
Rather than go through all the drama of getting a "real" certificate, then cancelling it, I'd suggest one of those temporary insurance policies. - As long as your money is good you're insured; they don't really ask any more questions than that, so you get the certificate emailed to you within seconds.

That's how I got my R home after buying it. I'm pretty sure I used the one run by A-plan.
 
G

Garef

Member
none of the temp places will touch me, haha.

I may just go with the likes of elephant and then cancel it if need be. That's about as cheap as it gets for me.
 
johnsy

johnsy

Active Member
i thought aslong as you were booked in for an M.O.T you did'nt need tax or insurance, or have i got that completely wrong
 
G

Garef

Member
How exactly does the 14 day cooling off period work, is it really as simple as canceling it before 14 days passes and just paying for the days you were covered and the cancellation fee?

Sounds too good.
 
watoga

watoga

Member
johnsy said:
i thought aslong as you were booked in for an M.O.T you did'nt need tax or insurance, or have i got that completely wrong
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I think for MOT trips you need to be insured, but since an MOT certificate is required to tax the car, you can drive it to-and-from the MOT centre without tax.

Dave
 
G

Garef

Member
However, what if it does pass and I want to keep it for a few months, I was planning on selling it. Bloody hell, why does it have to be so ducking expensive!!!!
 
PobodY

PobodY

Moderators
Staff member
watoga said:
I think for MOT trips you need to be insured, but since an MOT certificate is required to tax the car, you can drive it to-and-from the MOT centre without tax.

Dave
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Bingo. - If the car is not taxed, then the only place you can legally drive it to is a pre-booked MOT (or back to your workshop/garage to repair it). You still need to be insured, but it's easy enough to say to your insurer "it's currently SORN, but I'm taking it for the MOT soon" so that they realise you will be moving it without tax.

What have you done that means the short-term insurers won't touch you (I assume it's the same thing that makes normal insurance expensive for you too)?
 
G

geoff pine

Well-Known Member
Garef said:
How exactly does the 14 day cooling off period work, is it really as simple as canceling it before 14 days passes and just paying for the days you were covered and the cancellation fee? t

Sounds too good.
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they are definitely going to sting you for a hefty fee and the short time you have insurance or everybody would be doing it !! Oh every body was doing it thats why they will sting you for the first three months plus admin fee:lol:
 
G

Garef

Member
PobodY said:
Bingo. - If the car is not taxed, then the only place you can legally drive it to is a pre-booked MOT (or back to your workshop/garage to repair it). You still need to be insured, but it's easy enough to say to your insurer "it's currently SORN, but I'm taking it for the MOT soon" so that they realise you will be moving it without tax.

What have you done that means the short-term insurers won't touch you (I assume it's the same thing that makes normal insurance expensive for you too)?
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I tried Aviva and a few other short terms places and they all said no, the cheapest I could get for one day insurance so far was about 68 quid. Hardly seems worthwhile for one day.

Ah this is turning out to be a right pain in the farter.
 
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