Interesting one really, insurance policies don't tend to state that the vehicle must have an MOT but must be roadworthy, for example it is perfectly legal to drive a car or ride a bike that does not have a valid MOT to a testing station to get an MOT. But even if you have an MOT this only means that your vehicle was roadworthy at the time of testing, and it is the owners responsibility to ensure that it is kept in a roadworthy condition.
So in my view having a MOT or not should make no difference to your insurance whatsoever, but if you do claim and the insurance assessor declares that your scooter was not roadworthy this could invalidate your claim....whether you have a valid MOT or not.
mot exemption date
- Micky Tapp
- registered user
- Posts: 73
- Joined: Mon Jun 30, 2014 8:00 pm
- Main scooter: Lambretta GP200
- Contact:
Watch out if your scoot is “significantly altered” it still needs an MOT