If your MOT is out of date, you may have problems claiming on your car insurance. That doesn’t mean you cannot collect altogether, but it could be problematic.

For example, if your MOT was a few days out of date and you had it booked for an MOT appointment at the time of the accident, the insurance should be valid, though the insurer could claim that the car was worth less since it didn’t have an up-to-date MOT at the time of the accident.

Drivers in the market for cheap car insurance should compare policies before buying and read the terms and conditions carefully. In some cases you can access the policy terms and conditions online and, if so, you can search the document for “MOT” and see if it is mentioned. Everyone with a car on the road has to keep it roadworthy, and that is the purpose of the MOT test. The first one is required when your car is three years old, and it must be renewed every 12 months thereafter.

But, the bottom line is, if your MOT is out of date, it could throw a needless spanner into the process of making a car insurance claim should you be involved in an accident. Some local MOT offices will send you reminders when it’s time to renew your MOT so you don’t forget. If they don’t, you can always set up your own email to send you a reminder in time.