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MOT

  • 24-10-2012 3:58pm
    #1
    timtru
    Registered Users, Registered Users 2 Posts: 16 ✭


    I am just wondering if you have insurance for your campervan but you don't have a valid MOT / NCT are you still covered by the insurance in case of an accident?
    Tagged:


Comments

  • #2
    niloc1951
    Registered Users, Registered Users 2 Posts: 2,066 ✭✭✭niloc1951


    timtru wrote: »
    I am just wondering if you have insurance for your campervan but you don't have a valid MOT / NCT are you still covered by the insurance in case of an accident?

    I believe not as the vehicle is not certified as roadworthy, but I recommend you ask your insurer as they will be the final arbiter in the unfortunate event of a claim.


  • #3
    dickwod1
    Closed Accounts Posts: 2,101 ✭✭✭dickwod1


    timtru wrote: »
    I am just wondering if you have insurance for your campervan but you don't have a valid MOT / NCT are you still covered by the insurance in case of an accident?

    I'd say defo NO ... Insurance companys hate paying out money so if you crash they'll look for any excuse, If you have no CRW/DOE your handing them an excuse on a plate.

    Apart from that think about yourself/family driving in it and every other car you pass on the road, Is it worth it not to have one?


  • #4
    timtru
    Registered Users, Registered Users 2 Posts: 16 ✭timtru


    thanks for your reply!
    found another thread here:
    http://www.boards.ie/vbulletin/showthread.php?t=2056765797


  • #5
    Del2005
    Registered Users, Registered Users 2 Posts: 19,102 ✭✭✭✭Del2005


    Once your insurance is paid up and valid they have to pay out 3rd party claims. If your motor home wasn't road legal they could use that as an excuse not to pay your claim and they can sue you to reclaim the cost of the 3rd party claims.

    Insurance companies regularly pay out when people have broken the law and caused an RTI, there's no way of knowing when/if they'll stop


  • #6
    Irishgoatman
    Registered Users, Registered Users 2 Posts: 1,741 ✭✭✭Irishgoatman


    I've said this before, the only time you can legally have an untested vehicle on the road, if it's at an age were it needs to have one, is if you are taking it for a BOOKED test.

    So why should anyone expect to be covered by insurance otherwise.


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  • #7
    niloc1951
    Registered Users, Registered Users 2 Posts: 2,066 ✭✭✭niloc1951


    Nobody has mentioned that using an uncertified vehicle exposes the driver/owner to prosecution under the Road Traffic Act with penalties of something like €2000 fine + some jail time + 5 penalty points.
    Non compliance with this piece of law is quite harshly dealt with.


  • #8
    Irishgoatman
    Registered Users, Registered Users 2 Posts: 1,741 ✭✭✭Irishgoatman


    Well, I have said that it's illegal but I must admit to not knowing what the penalties were.


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