Can I insure my car without an MOT?

Technically, you can insure your car without an MOT, however, it is not advised. In the UK, it is illegal to drive without your MOT, so you could even be breaking the law unknowingly.

In most cases, not having an MOT will not invalidate your car insurance - instead, car insurance companies prioritise 'roadworthiness' above all. This means certain features of your car must be functioning correctly, including:

• Brakes and brake fluid
• Windscreen wipers
• Engine oil level
• Car battery
• Indicators
• Front and rear lights
• Hazard and fog lights

If you are driving without an MOT, but still have insurance, theoretically, you would only get fined for not having an MOT. However, it is important to check your specific insurance policy as there are exceptions - it could be that not having an MOT would invalidate your car insurance policy. The legal consequences for driving without an MOT include a £1000 fine and the risk of your vehicle being impounded.

Can you drive a SORN car to mot without insurance?

In short, no - you cannot drive a car to an MOT appointment without insurance. Doing so could lead to a fixed fine or even prosecution. SORN stands for 'Statutory Off Road Notification'; this means you wish to take your vehicle completely off the road. Whilst you can drive your SORN car to your pre-booked MOT appointment, it still has to be insured.

Can I make a claim without an MOT?

Not having a valid MOT certificate won't prevent you from making a claim - it does however, make the process a bit trickier. Your car could decrease in value without an MOT, and there may be a longer investigation to determine whether they will pay out.

The situation becomes even more complex if a passenger was killed or injured in your car - as this means you could be facing a jail sentence.

Don't let your MOT be a problem for you - book an appointment with us at your nearest PTA garage. For more information, contact our helpful team today.