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Original poster

I just reversed into a car which has no insurance, tax or MOT. What happens now?

626 replies

notthisnowaswell · 28/04/2025 18:27

driving home, residential streets with lots of parked cars obstructing views...edged out of a t-junction to turn left. there was a car coming down the road, so I reversed back....into the car which had followed me out of the junction.

his car is scuffed over the passenger wheel arch (mostly paint transfer from my car) and I have quite a crunch to the right back corner

he was really cross and wanted me to bank transfer him money to repair his car. which I declined and said I want to go through insurance (as I'm skint), gave him my name, number and registration. I have his registration and phone number.

I have checked online and the vehicle tax expired in march 2024, MOT expired march this year. so he has no insurance. what will happen now?? I am not planning on telling my insurance company unless he makes a claim because I am financially really really struggling and don't want my premium to increase

OP posts:
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Noshowlomo · 28/04/2025 18:29

No insurance so tough on him!

redphonecase · 28/04/2025 18:30

He won't want to pursue it officially, and the person behind is assumed to be at fault so unless you're admitting to reversing into him or there was CCTV he'd struggle to pin it on you.

AquaPeer · 28/04/2025 18:31

He can go through your insurance- he doesn’t need insurance to make a claim that you hit him. You’d insurer will probably decline to pay I imagine

eta- and they may report him. Because of the risk of the vehicle eventualllu being seized it seems unlikely he’d have the brass neck to persue, but people are strange

Perplexed20 · 28/04/2025 18:31

He most likely won't pursue it because he could be prosecuted.

Original poster
notthisnowaswell · 28/04/2025 18:32

he is phoning me now asking for £200 because he needs to fix his car quickly as he is selling it!

however, he is asking for my insurance policy number...I don't need to give him that do I? that isn't normal? or can he claim on my insurance without having insurance himself??

OP posts:
Original poster
notthisnowaswell · 28/04/2025 18:33

AquaPeer · 28/04/2025 18:31

He can go through your insurance- he doesn’t need insurance to make a claim that you hit him. You’d insurer will probably decline to pay I imagine

eta- and they may report him. Because of the risk of the vehicle eventualllu being seized it seems unlikely he’d have the brass neck to persue, but people are strange

Edited

ah-ha, so he can do that....should I give him my policy number then?

OP posts:
Original poster
notthisnowaswell · 28/04/2025 18:34

redphonecase · 28/04/2025 18:30

He won't want to pursue it officially, and the person behind is assumed to be at fault so unless you're admitting to reversing into him or there was CCTV he'd struggle to pin it on you.

I DID reverse and I was in a bit stressed at the time but thinking about it now and the location of the marks on both our cars he must have been where he shouldn't have been in the road??

OP posts:
SadCarpetMess · 28/04/2025 18:36

That argument won't stand up because the onus is on you to look before reversing or making any manoeuvre at all.

RedHelenB · 28/04/2025 18:37

You were at fault, yoy reversed into him. Yes, you do have to give your insurance details

AquaPeer · 28/04/2025 18:38

To be honest, I don’t see the harm in giving him your policy number but you would need to report to your insurers first.

if you don’t want to report it don’t give him the number (he can still get your insurers details by reporting you to the police )

it’s not true that the person behind it assumed to be at fault- particularly not when someone is reversed into 😂

bevelino · 28/04/2025 18:40

The status of his insurance is irrelevant in this scenario. The other driver is committing an offence but that does not mean your insurance won’t pay for any damage and/or any personal injuries caused by your driving.

Blondeshavemorefun · 28/04/2025 18:44

Surely if he has no insurance . Tax or mot he hasn’t a leg to stand on

contact the police if he continues. Sure they will be very interested

Original poster
notthisnowaswell · 28/04/2025 18:44

bevelino · 28/04/2025 18:40

The status of his insurance is irrelevant in this scenario. The other driver is committing an offence but that does not mean your insurance won’t pay for any damage and/or any personal injuries caused by your driving.

is it normal to expect insurance companies to communicate on it though?

i do feel annoyed at having to pay to fix his scratch, when he isn't even legal

I could ask him to go through the police??

OP posts:
MarginallyOk · 28/04/2025 18:46

Sounds like a total chancer. If he rings again, you should mention you’re aware he has no MOT or insurance.

AquaPeer · 28/04/2025 18:47

The police won’t be in the slightest bit interested but can direct him to your insurer- you may as well do it yourself.

maybe he intends to tell the police he was on the way to the garage to get the mot work done- I mean maybe he was. That’s a legit as reason to drive with no insurance/ MOT

AquaPeer · 28/04/2025 18:48

MarginallyOk · 28/04/2025 18:46

Sounds like a total chancer. If he rings again, you should mention you’re aware he has no MOT or insurance.

I think this is a good idea- provided he doesn’t know your address because he might be a nutter

Original poster
notthisnowaswell · 28/04/2025 18:48

AquaPeer · 28/04/2025 18:47

The police won’t be in the slightest bit interested but can direct him to your insurer- you may as well do it yourself.

maybe he intends to tell the police he was on the way to the garage to get the mot work done- I mean maybe he was. That’s a legit as reason to drive with no insurance/ MOT

his tax expired 1st march 2024 though, so he can't have insurance

OP posts:
Original poster
notthisnowaswell · 28/04/2025 18:50

AquaPeer · 28/04/2025 18:48

I think this is a good idea- provided he doesn’t know your address because he might be a nutter

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he gave me nutter vibes tbh 😬 but he can't know my address can he??

OP posts:
WonderingWanda · 28/04/2025 18:50

You need to inform your insurance company but you don't have to claim for damage to your car. You also need to give him your insurance details. What he does with them is his business. I suspect he isn't terribly bright as he was driving without insurance so he may try the insurance root and it might backfire for him.

WonderingWanda · 28/04/2025 18:51

notthisnowaswell · 28/04/2025 18:50

he gave me nutter vibes tbh 😬 but he can't know my address can he??

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You could also report him to the police for driving without insurance and harassing you.

ZoggyStirdust · 28/04/2025 18:52

notthisnowaswell · 28/04/2025 18:48

his tax expired 1st march 2024 though, so he can't have insurance

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no tax or mot doesn’t necessarily mean no insurance. They’re separate offences and he could still be insured and it could be valid.

however that’s by the by. You were at fault, you should provide your details to him (name of insurer is sufficient). He can claim on your insurance.

but also he shouldn’t be harassing you, once he has your details he should not contact you and you don’t have to give him any more information.

mumofoneAlonebutokay · 28/04/2025 18:52

Don't speak to the guy any further, first of all. People are chancers!

You should advise him to contact his insurance provider and they will help him make a claim. I wouldn't say anything to antagonise some random man, I'd be very careful. x

SummerIce · 28/04/2025 18:52

This was your fault OP. Him not having insurance or MOT doesn’t affect your liability in anyway. It’s not an excuse for you to avoid responsibility for your actions.

He can still pursue your insurer directly if he wants to. Or even you, and if you want your insurer to defend you you will need to have notified them.

The no insurance and MOT point is only an issue for him, and it’s possible he could be penalised, but it’s not a defence for you.

Hollyaddy · 28/04/2025 18:53

Technically he could have insurance taken out prior to tax and mot expiry.whether his own insurance company would indemnify him in the event of him claiming due to his fault is another matter.

But that is not your issue.

The accident was your fault and you have caused damage to another vehicle. You need to report it to your insurance company and leave it with them. That is what you pay insurance for. Have no further contact with the other driver. Give him your insurance details and leave it at that.theycwill sort ot out between themselves

MeetMyCat · 28/04/2025 18:54

Aren’t you legally obliged to disclose your insurance details if there’s been a collision? I don’t think you can get out of your obligations OP, just because he’s uninsured, two wrongs don’t make a right?