Would you drive a car without insurance?
“Of course not,” you may be indignantly saying to yourself.
Well, think again… you may be doing just that, without realising it. According to a USwitch.com survey cited by the Daily Mirror, 4.7 million motorists – almost 20% of Britain’s drivers – don’t renew their vehicle’s MOT on time, which automatically means that their car insurance is invalid:
The cost of an MOT certificate is currently (April 2009) £54 – plus whatever repair costs are needed to bring your vehicle up to roadworthy standard.
- according to the AA, the average cost of an insurance claim is £2,450 – costs which fall to you if uninsured
- the penalty for driving without a valid MOT certificate is a fine of up to £1,000
- premiums for car insurance are significantly higher if you’re convicted of driving without an MOT – about 43%
- driving without insurance carries a fine of up to £5,000 and 6-8 penalty points – although the courts can order immediate disqualification
And of course you can’t get a new tax disc unless you’ve got a valid MOT. So if you carry on driving without tax and MOT, you stand to be fined even more (an automatic penalty of £80, plus a fine of up to £1,000) and your car may be impounded – and if you don’t then pay the storage fees, your car could be crushed or sold!
Yet in spite of all that, as many as 3 million drivers carry on driving even though they know their MOT is out of date.
So don’t forget – get your MOT on time and make sure your car insurance remains valid!