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MOT failure insurance – is it worthwhile?
Did you know that around 40% of cars fail the annual MOT first time? For anyone who anxiously dreads the expense and inconvenience of a fail, it’s a fact that makes bleak reading.
Without your car on the road, you could find yourself unable to get to work or to see family and friends. But getting your car fixed to pass its MOT can be expensive. MOT Failure Insurance can buy you peace of mind that the financial cost of getting your car back on the road is covered, but is it really worthwhile?
What is an MOT?
The MOT is a test that must be carried out every year on all vehicles that are three years old or more. It checks that certain road safety and environmental standards are met. There are currently proposals being considered by the Government to extend this so vehicles will not need to be tested until they reach their fourth anniversary of registration.
What happens if my car fails its MOT?
If your car fails its MOT, your test centre will issue a ‘VT30 Refusal of an MOT Test certificate’. It will list all the points where your car has failed. You need to keep hold of this document, as you’ll need it if you go for a re-test.
MOTs and the law
Even if it seems to be working fine, if your car fails its MOT and the date on your certificate has passed, it is illegal to drive it. You can be fined up to £1,000 for driving without a valid MOT.
If your vehicle is still within its MOT certificate date, you are technically permitted to drive your car to a garage to get repairs carried out, although this is not recommended and in most cases your insurance would be invalidated. That leaves you with two options if your car fails its MOT: either pay up to get it fixed or scrap it.
MOT Failure Insurance for your peace of mind
Your car might pass its MOT every year with no problem, or it might only cost a relatively small amount to fix minor problems. Or you could be confronted with a big bill that you weren’t expecting.
Deciding if MOT Failure Insurance is worthwhile is down to individual choice. Just like all non-compulsory insurance, whether it is necessary for you depends on your individual situation and your preferred way of managing your finances.
If you worry about finding a lump sum to pay for repairs, but can’t afford not to have your car running on the road, MOT Failure Insurance gives you peace of mind that certain costs will be covered.
- Take the financial stress out of failing an MOT. By paying up front for cover, you can take control of the costs of running a vehicle. There will be no nasty surprises, or large sums of money to find if your car does fail the test.
- Get your vehicle back on the road quickly. Insurance means you can get your car fixed quickly without worrying about the costs, and be back on the road as soon as possible. That can be a lifeline for anyone who relies on their car to get around for work or to care for a family.
What does MOT Failure Insurance cover?
MOT Failure Insurance will normally pay out for the costs of parts and labour to get your car back on the road. It may also include the charge for taking a re-test. There may be certain exclusions to what you can claim depending on the exact policy you take out, so always check the schedule or talk it through with your broker.
Finding the best MOT Failure Insurance cover
MOT Failure Insurance can be purchased stand-alone or as an add-on to your regular car insurance. If you like the idea of the peace of mind it will bring, don’t just take out the insurance offered by your car dealership.
Always shop around to compare quotes, or have a chat with our friendly Easy2insure team on 0800 917 9522, who can do the legwork for you.
We have 30 years of experience helping people to get the right insurance at the best price. We are preferred broker with many of the UK’s biggest insurers, enabling us to secure the best prices on insurance cover that is not always available anywhere else. If you do need to make a claim, we’ll be on hand to make sure it is processed quickly and fuss-free, so you can get back on the road as soon as possible. Get in touch now.