29/04/2020
We are trying to get clarification from the Association of British Insurers this morning on the MOT issue. Their website advice is not that clear and suggests that if you CAN get an MOT, you should. So if you’re not prevented from doing so due to self-isolation or your garage is closed, you should.
They say on the ABI website:
QUOTE
I am self-isolating, and my MOT is due. Is my insurance still valid?
If you cannot take your car for its MOT, ask someone else to do this for you. If they are not already named drivers, contact your insurer to add them to your policy.
If this is not possible due to the impact of Covid-19, insurers will be pragmatic and not penalise you for something that is out of your control. Safety is paramount and it is illegal to drive a car in a dangerous condition, so make sure to check your brakes, tyres and lights before driving. Please remember to get your MOT done when you can.
UNQUOTE
Our best advice at this stage is that if you can you should. Our concern is that if you’re not self-isolating and your local garage is open for MOTs, then there is nothing stopping you from getting one. In the event of an accident caused by, say poor brakes, an insurer could ask you why you didn’t get an MOT if you were able to drive and your usual garage was open for MOTs.
The key point insurers and the Govt. make is that it is still your responsibility to make sure your car is safe to drive. For many people who rely on their MOT to pick up faults, they may not always feel that confident in their ability to do this! Govt. guidance on the safety of your vehicle is on their website:
https://www.gov.uk/guidance/coronavirus-covid-19-mots-for-cars-vans-and-motorcycles-due-from-30-march-2020
If we learn anything new, we’ll let you know. But our advice at present is to get an MOT if you’re safely able to do so.
Your car, van or motorcycle’s MOT expiry date will be extended by 6 months if it’s due on or after 30 March 2020 - but you must keep your vehicle safe to drive.