🚗 Does Your Insurance Cover You Without an MOT?
🚗 Does Your Insurance Cover You Without an MOT?
Advice from Andrews Car Centre – Lincoln’s Trusted MOT Testing Garage
If your MOT has expired — or is about to — one of the first questions many drivers ask is:
👉 “Am I still insured if I drive without an MOT?”
The short answer? Usually not. Driving without a valid MOT can not only get you in legal trouble — it can also invalidate your insurance policy, leaving you financially exposed in the event of an accident.
Let’s break it down so you know where you stand and what to do next.
⚖️ What the Law Says About MOTs
In the UK, nearly every car over 3 years old must have a valid MOT certificate to be driven on public roads. The only exception is if you’re driving to or from a pre-booked MOT test — and even then, your car must be roadworthy.
If you’re caught driving without an MOT, you could face:
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A fine of up to £1,000
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Penalty points
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Your vehicle being impounded
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Automatic MOT test failure if stopped mid-journey
📄 So, Does Your Insurance Still Work?
❌ In most cases, no.
Most insurance policies require your vehicle to be road legal — which includes having a valid MOT. If you're involved in an accident and you don't have an MOT:
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Your insurer may refuse to pay out
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Any third-party damage may be your responsibility
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Your policy could be voided, even if the MOT wasn't the cause of the accident
Even if you're not at fault, you may struggle to make a successful claim.
🤔 What If I Just Forgot?
It happens — and in some cases, insurers may show leniency if:
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It’s only been a few days
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You weren’t driving
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The car was parked off-road
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There was no accident or incident
Still, don’t count on it. If you're unsure, always check your policy documents or contact your insurer directly.
📆 How to Avoid Driving Without an MOT
Here at Andrews Car Centre in Lincoln, we make it easy to stay on top of your MOT:
✅ Free MOT reminders – just ask to be added to our reminder system
✅ Same-day MOT appointments – perfect if your MOT has just expired
✅ Combined MOT + service packages – save time and money
✅ Free MOT retests if you fail and rebook within 10 working days
🚗 Is Your MOT Due Soon?
Don’t take the risk — it’s just not worth it. Book your MOT early (you can do it up to a month before it’s due) and keep your insurance valid, your car legal, and your peace of mind intact.
📍 Book Your MOT in Lincoln Today
At Andrews Car Centre, we’ve been helping local drivers stay safe and road-legal for over 30 years. Our MOT tests are fast, fair, and affordable — with honest advice and no pressure.
👉 Call now, book online, or visit our garage on Dixon Street in Lincoln.
Let’s get you MOT-ready — and fully covered.
🔍 Related Searches We Help With:
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MOT garage Lincoln
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MOT near me
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MOT and insurance rules