What happens if my car has been stolen/written off and my MOT had expired?

You must ensure that your vehicle is maintained in a roadworthy condition at all times and that it has a valid MOT certificate where required.

If you do not have a valid MOT we will deal with your claim unless it is established that your vehicle was suffering from a fault that would have been identified in an MOT test and that the fault has contributed to the cause of the loss. If we agree to deal with your claim, you will be required to submit your vehicle for MOT following any repairs and you will be directly responsible for the costs associated with putting the vehicle through MOT. If your vehicle is a total loss, you can expect the value of the vehicle to be reduced to reflect the difference in value between a vehicle of similar specification being sold with a valid MOT and one being sold without.