MOT and lockdown (1 Viewer)

[chrisinplymouth]

My MOT on the motorhome is due on the 25th Jan. As the Moho is in storage and we have no plans to use it until lockdown is lifted I thought I would just leave it till later in the year when lockdown lifts then make an appointment for MOT.
I then thought perhaps I should check with insurance (comfort) if I would be covered should my van be stolen.
Short answer ...... No
So booked in for tomorrow....... whether or not this is classed as an essential journey is anybody’s guess.

 

[Richard n Ann]

Not insured to use but surely it would be insured against theft?

 

[RichardandKaren]

That's a strange one. I can see why an MOT is key for road risks but it doesn't in any way affect the risk of it being stolen from your drive. I think this may be a case of the broker just telling you a stock answer whereas the actual underwriter might have said that " no, it's not relevant" had the broker bothered to ask them of course.

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[Phill D]

i took ours for MOT on Monday. it was only 3 miles away dropped and then collected later.

 

[LesW]

You need to change your insurance company..

What's an MOT got to do with it?

 

[Odd job]

One important thing is if the van is stolen the insurance will pay the value, they will argue that it's worth a lot less without an MOT. I would keep it legal for the road and have habitation checked as well.

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[mikebeaches]

Sounds somewhat unreasonable on Comfort's part for maintaining the van on risk in storage without an MOT (for a very valid reason).

Having said that, I was able to get one of our cars MOT'd in our village last Wednesday - which I understand was entirely within the rules. However, I asked to pay on the telephone when it was ready, in order to literally just collect the keys without hanging around.

 

[Geo]

The Policy wording may clearly state that the Motor Home MUST be kept in a roadworthy condition
ie MoT is required

 

[canopus]

Comfort day stopped for t'week. As Geo stated above.

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[M-J]

This nudged me to check as MOT due end of the month, comfort policy does say must have an MOT at all times, they sent an email when the MOT extension came out saying it was ok without until the gov changed the rules back.

So time to get MOT booked and then drive to and from on SORN.

 

[sweetie]

Would It would be illegal to drive it on highway when it is sorned you can't even have it on highway while sorned'

 

[M-J]

It would be illegal to drive it on highway when it is sorned.

Not for travel to and from a pre booked MOT test.

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[RandallC]

The Policy wording may clearly state that the Motor Home MUST be kept in a roadworthy condition
ie MoT is required

So anyone insured with Comfort who has sorn'd their MH isn't insured? Not road worthy?

Checked with AIB that mine is covered whilst sorn'd

 

[Geo]

Given the circumstances and efforts and sacrifices the general public are making to support unnecessary travel the Insurance companies are being very short sighted.

 

[Geo]

So anyone insured with Comfort who has sorn'd their MH isn't insured? Not road worthy?

Checked with AIB that mine is covered whilst sorn'd

Your confusing Sorn woth No MoT there all covered under sorn so long as you have mot

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[RandallC]

Given the circumstances and efforts and sacrifices the general public are making to support unnecessary travel the Insurance companies are being very short sighted.

In the same vein, NO extension of MOT dates.

So my car has to MOT'd in a couple of weeks otherwise how do you do click and collect from the supermarket?

 

[Carpmart]

If the worst happened, the MH was nicked and it was me not you, I would go absolutely ballistic if they tried to squirm out of paying. I would fight them through every court in the land. Would be morally, govt guideline and spiritually wrong FULL STOP

I think staying home easily top trumps the situation you are in!!

 

[Coolcats]

Your confusing Sorn woth No MoT there all covered under sorn so long as you have mot

Check with the insurer but just SORN the vehicle, its not on the road and in storage you won't be expected to have an MOT or TAX.

One of my cars has a SORN no current MOT and the insurance company is quite happy about that. As soon as its back on the road it will have a MOT.

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[RichardandKaren]

I think that most - if not all - policies will actually include the following words ( or something very similar) that the vehicle "has a valid MOT if one is required by law". If you have your vehicle stored away from the public highway then there is no legal requirement for it to have an MOT. However, if you are worried by this then best to contact your broker but do ask them for the insurer's opinion not just theirs ( as that might be the opinion of some 12 yrs old scrote!).

 

[Geo]

You too missed the point
Sorn with mot ALL covered
Sorn with no mot some covered
Ask insurer if coverd under sorn ALL WILL SAY YES
Cos you failed to mention MoT expired

 

[Lynne Roy]

Definitely take it for the mot

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[Carpmart]

Definitely take it for the mot

Completely and utterly disagree with this advice! The OP doesn’t need the vehicle at the moment and is complying with all laws. Stay home top trumps the MOT of a vehicle not in use!!

 

[stevec]

Also check about taking vehicle for MOT if you are shielding. The Government website states you should not and only go when shielding is lifted. If you need MOT for tax they state for you to SORN vehicle. Easy to achieve if it's not you main vehicle but should you be using it if you are shielding?

 

[2x2camper]

Completely and utterly disagree with this advice! The OP doesn’t need the vehicle at the moment and is complying with all laws. Stay home top trumps the MOT of a vehicle not in use!!

Problem is insurance is a contract with terms you have to meet, if you want it to payout should the worst happen.

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[rolosroller]

Just buy a classic 40yrs plus no tax or mot

 

[Carpmart]

Problem is insurance is a contract with terms you have to meet, if you want it to payout should the worst happen.

Yes but this is where people need to make sensible decisions over what presents as the bigger risk.

 

[RandallC]

Your confusing Sorn woth No MoT there all covered under sorn so long as you have mot

sorry No am not.

Sorn is vehicle off the road it does not need an MOT or anything else it's off the road. As long as it is not parked on a public highway or similar. Think you can get specific insurance for stored vehicles guess you'd have to look for it.

To be road worthy a Motor Vehicle must be Taxed, Mot'd and Insured OR be of a certain age to be exempt from being MOT'd, whilst no tax revenue required it still has to be taxed and insured. Even if exempt from MOT it MUST be maintained in a road worthy state.

Happy to be advised otherwise

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[Coolcats]

It really is quite simples, SORN the vehicle notify the insurance company. You do not need TAX or MOT on a Vehicle that has SORN and yes book a MOT when you want one you are then legally allowed to drive to to the test station and once the MOT has passed get a TAX disc in the mean time keep paying your insurance (assuming you want insurance whilst SORND)

1) Aviva say:
You're legally required to ensure your vehicle remains insured, otherwise you could be prosecuted and fined up to £5,000. If you plan to keep your vehicle off the road, you can apply for a Statutory Off-Road Notification (SORN) with the DVLA and, once this is complete, you don’t legally need insurance. When you want to use your vehicle again, you’ll need to tax and insure your vehicle to avoid penalties

2) Comfort Say:
Once the registered keeper of the vehicle has made a SORN, whilst there is no longer a legal requirement to insure the vehicle, you can maintain your Comfort Insurance motor policy. In fact, because motorhomes and campervans are highly expensive, with the typical price being in region of £60K-£70K, it is highly recommended that fully comprehensive motorhome insurance cover is maintained at all times, even if the you have no immediate intention of taking your vehicle out on the road. There are several key reasons for this recommendation:

3)RAC Say:

 

[Coolcats]

You too missed the point
Sorn with mot ALL covered
Sorn with no mot some covered
Ask insurer if coverd under sorn ALL WILL SAY YES
Cos you failed to mention MoT expired

I agree with speaking with the Insurance company I have comprehensive cover on the vehicle in my garage (due to its value) No MOT for the east two years or TAX, the insurance company is quite happy with the arrangement particularly as it lowers the risk yet I still pay the same premium so everyones happy (ish)

 

[EdwardFT]

Not for travel to and from a pre booked MOT test.

As I understand it, it is legal to drive a vehicle to a pre-booked MOT when it does not have a current MOT, but not legal to do so when it is SORNed. I stand ready to be corrected, as happens often enough.

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