Car dealership messed up, wwyd?

[DobbyIsAFreeElf]

Last year I purchased a car that was 18 months old. I've had a couple of emails yesterday saying that it's mot is due, this week despite it not yet being 3 years old. Turns out the dealership did an mot on the car before I picked it up. I've emailed dvla and they said despite their online mot checker saying it's due, the database the police have will state the correct date of February, but I'm not sure wether to trust this. My annual service is due at the end of the month along with car insurance, but I'm worried the car insurance companies will be able to see the incorrect date for mot.
My options are

1. Book in for mot this week
2. The service is due at the end of the month so I could get it mot'd then.
3. Wait until the actual due date of next February hoping the police database has the correct date, I can print the dvla email saying the true date the mot is due.

OK. So the dealership did an MOT and that has prompted the DVLA system. But the car really isn't due one because of its age.

Have you spoken to the dealership?

I would. I would try and find, out why they did this and, when they admit is was an error, ask them to pay for this year's MOT - as you wouldn't have to pay for it if not for their actions.

Just do 3. Keep the email, if the police pull you over just explain

As I understand it the law is on your side. Unfortunately it's quite possible you'll be stopped by a cop who doesn't know the law.

Taxis (including minicabs) need an MOT after 1 year, so a vehicle that was previously a taxi and now isn't could have a previous MOT that's expired and not need a new one until 3 years after registration.

Oooh! Really? Thanks, a new thing to know

Even the dealership don't have a clue what to do in this situation. They seem to think that it will be ok and won't invalidate any insurance but they're not 10p% sure as they've never had this issue before.

I'd just get them to do an MOT

I'd actually speak to your insurance and ask if it would invalidate it and get them to email confirmation if they say no.

It doesn't matter if the law says your fine to wait until the 3 year date, your insurance company can decide their own criteria in excess of the law.

Not having a valid MOT does NOT invalidate your insurance!!!!!!!!

@VeganVeal

Not having a valid MOT does NOT invalidate your insurance!!!!!!!!

I thought it did as not having an MOT means that the safety of the vehicle cannot be guaranteed therefore if it was in an accident it may have been caused by something that would have been picked up if it had a valid MOT so the insurers wouldn't pay out

This is from 'think money.co.uk
Invalid insurance
Without a current MOT, your car insurance would become invalid. Not having a valid MOT certificate is illegal under Section 47 of the Road Traffic Act 1988 and you run the risk of facing a £1,000 fine and a charge of six to eight penalty points on your licence by driving without one.

Have you checked the official Mot/tax site to see what it says? It should say mot not due until the 3yr date, if it says mot due soon then I’d imagine it would flag up with the police too
www.gov.uk/check-mot-status

This is from:

www.drivingtesttips.biz/no-mot-invalid-insurance.html

IS CAR INSURANCE INVALID WITHOUT MOT?
It’s not a simple yes and no answer as it depends on the circumstances of the accident. Insurers may often state on their websites that having no MOT will invalidate car insurance as it’s in their interest to ensure a vehicle is as road worthy as possible to minimise claims. This is often not the case however.

MOT certificate
Is my car insurance valid without an MOT?

A situation where a driver had an accident, was at fault and caused significant damage to properties will have their vehicle assessed for roadworthiness at the point before the accident. A valid MOT is limited in relevance as a vehicle can of course be unroadworthy even with a valid MOT test certificate.

Essentially it’s whether the vehicle was roadworthy directly before the accident and is based on evidence obtained by the police and a conclusion reached by the insurance claims assessor. This can also include statements taken from witnesses, engineer reports and other evidence obtained from the claims investigation if necessary.

So as you may imagine, it can get a lot more complicated than simply stating that your insurance is invalid due to no valid MOT. Car insurers also have an obligation to the third parties involved in an accident that was not their fault. It wouldn’t be appropriate if insurers refused to pay out simply if the accident was caused by a driver with no valid MOT.

@TwoLeftSocksWithHoles

This is from 'think money.co.uk Invalid insurance Without a current MOT, your car insurance would become invalid. Not having a valid MOT certificate is illegal under Section 47 of the Road Traffic Act 1988 and you run the risk of facing a £1,000 fine and a charge of six to eight penalty points on your licence by driving without one.

You dont get points on you licence for no mot its a £100 fine

I thought it did as not having an MOT means that the safety of the vehicle cannot be guaranteed therefore if it was in an accident it may have been caused by something that would have been picked up if it had a valid MOT so the insurers wouldn't pay out

So you dont do any checks on your vehicle for a whole year and just rely on the mot picking anything up?

Essentially it’s whether the vehicle was roadworthy directly before the accident and is based on evidence obtained by the police and a conclusion reached by the insurance claims assessor. This can also include statements taken from witnesses, engineer reports and other evidence obtained from the claims investigation if necessary.

This

the DVLA database and the police database is the same thing.

I'd ring dvla and ask. Vehicles younger than 3 years sometimes do need a mot - if they're a taxi, for example. Just call dvla and ask.

I would do an mot and get dealership to pay for it. It should fly through at the age it is anyway

@VeganVeal

I thought it did as not having an MOT means that the safety of the vehicle cannot be guaranteed therefore if it was in an accident it may have been caused by something that would have been picked up if it had a valid MOT so the insurers wouldn't pay out

So you dont do any checks on your vehicle for a whole year and just rely on the mot picking anything up?

Of course I don't wait a whole year for the mot to do checks on my vehicle, the mot would pick up on things that I can't see myself such as the wearing of breaks.

I've spoken to multiple people such a dvla and dealership and no one really knows whether it will flag up on the system until the current MOT expires. The issue being it expires on a weekend and I need to use the vehicle to get to work on the weekend it expires.

Of course I don't wait a whole year for the mot to do checks on my vehicle, the mot would pick up on things that I can't see myself such as the wearing of breaks.

An MoT only means that at the time it was tested it was safe, something could break the next week and if you had an accident because of this should the insurance company pay out, after all your car wasnt road legal