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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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Original poster
notthisnowaswell · 28/04/2025 18:54

ZoggyStirdust · 28/04/2025 18:52

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.

Edited
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I thought that you had to have tax and MOT to get insurance??

OP posts:
Skepticalsausage · 28/04/2025 18:55

Tell the police. If he causes an accident, the people he hurts won’t get any money from him. If someone like you is hard up and he totals their car that they need for work etc, they will get no payout and could be completely fucked if they can’t afford to buy a car, including potentially losing their job.

If he seriously injured someone and they need lifetime care or adaptations, he will he no insurance to fund these.

He’s braking the law and it could have serious consequences. You have a moral responsibility to tell the police.

Tell the police, give him your insurance details. Don’t give him the £200.

Hollyaddy · 28/04/2025 18:56

notthisnowaswell · 28/04/2025 18:54

I thought that you had to have tax and MOT to get insurance??

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No. You have no way of knowing if he has insurance. This is not your issue or concern. This is not an uninsured driver who has hit you.

The accidentcwas your fault. Notify your insurers and let them do their job

Hoplolly · 28/04/2025 18:56

Go through your insurance, make sure he has your insurance details and then block him. I had to block someone from contacting me in a similar situation - I did it on the advice of my insurer. Once insurance companies involved, you don't need to be. I don't even know what the outcome of the claim was. Your insurance company will contact him/his insurance company. His insurance status doesn't actually mean your insurance won't pay out, I'd report the knob.

Original poster
notthisnowaswell · 28/04/2025 18:57

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

yeah, these are my thoughts exactly. and I am a bit scared. bit stereotypy but it was a big blacked out BMW and he had lots of bling

OP posts:
Jeezitneverends · 28/04/2025 18:57

notthisnowaswell · 28/04/2025 18:54

I thought that you had to have tax and MOT to get insurance??

Show quote history

You’ve got it the wrong way round. You need insurance and MOT to get tax. How do you know he doesn’t have insurance? Are you basing it on your wrong assumption or has he actually disclosed this? There isn’t a way for a member of the public to find this out.

I'm not condoning not having the correct vehicle docs but you reversed into him and are trying to get out of it-his legal status has no bearing on this, stop trying to wriggle out of it

bevelino · 28/04/2025 18:57

OP, I appreciate where you are coming from, but as a lawyer I am explaining the legal position. Look at it another way what if the collision had involved a valuable but uninsured bicycle. In that situation the driver that caused the damage to the bike would be expected to pay for repairs.

derxa · 28/04/2025 18:58

You have to give your insurance details to him and you have to contact your insurance company. Don’t enter into any discussion with him at all.

ZoggyStirdust · 28/04/2025 18:59

notthisnowaswell · 28/04/2025 18:54

I thought that you had to have tax and MOT to get insurance??

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To take it out yes they’d probably check but not necessarily. It’s not actually a prerequisite to have them to make insurance valid

commonsense61 · 28/04/2025 18:59

This reply has been withdrawn

This has been withdrawn by MNHQ at the poster's request.

PoodlesRUs · 28/04/2025 18:59

notthisnowaswell · 28/04/2025 18:54

I thought that you had to have tax and MOT to get insurance??

Show quote history

Completely irrelevant. You were at fault so give him your policy number and let your insurer take care of it.

ZoggyStirdust · 28/04/2025 19:00

Go on a website called askmid, that will let you see if the car is insured (if you declare it’s your car…)

derxa · 28/04/2025 19:01

You also should have his insurance details, his reg number and have taken pictures of any damage to both cars.

mumofoneAlonebutokay · 28/04/2025 19:01

notthisnowaswell · 28/04/2025 18:57

yeah, these are my thoughts exactly. and I am a bit scared. bit stereotypy but it was a big blacked out BMW and he had lots of bling

Show quote history

You can either give him your policy number or advise him to go through his insurer and give them your phone number and reg no.

Either way, message and block, but be very polite. Don't let on that you've googled his tax details etc, as that will antagonise things x

FiremanDan · 28/04/2025 19:02

Someone recently reversed into my car. They admitted it, which was the decent thing to do, and contacted their insurance company themselves. Their insurance company sorted it all as my was dented, they never spoke to my insurance company at all or even asked who I was insured with, they didn’t need to.

Why don’t you just give him the £200 (then your no claims won’t be affected) instead of trying to wriggle out of it? You are lucky it was a car you hit and not a child.

AquaPeer · 28/04/2025 19:02

notthisnowaswell · 28/04/2025 18:48

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

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But you can drive untaxed to the garage in order to get your MOt works done. Otherwise there is no way for you to get it back on the road. The police can demand evidence of appointment, but loads of garages are dodgy enough to do that for a mate

Badbadbunny · 28/04/2025 19:05

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

Only for a pre-booked MOT test. Which I highly doubt he has any evidence to prove.

LT1233 · 28/04/2025 19:09

You have to tell your insurance about any incidents. I rolled backwards into someone at lights once at about 0.002mph, zero damage on either car. The guy I rolled into was absolutely raging, literally frothing at the mouth. I gave him all my details even though there was nothing wrong with either car - and I didn't tell my insurance because... there was nothing wrong with either car. Few weeks later my insurance got in contact with me to say the CF had made a claim for £600. I just told them he'd gone into the back of me but there was no damage to either car so I left it as that - they replied that you have to report it even if there's no damage. They ended up going 50/50 which was adequate karma for the CF I thought.

Tldr; take glee in phoning your insurance company and telling them someone has gone into the back of you. Do it before he does.

Terrible1s · 28/04/2025 19:10

He could have a trade policy (though he should’ve been displaying the trade plates) but when one has a trade policy they don’t need to tax, they can say they had just collected to MOT and it won’t show as insurance on the insurance database if he had just collected.
If you don’t think he’s going to drop it can you borrow the £200? Put it on a credit card?
A claim on insurance will likely cost you more than £200

WallaceinAnderland · 28/04/2025 19:11

You are mixing up two different things.

The accident was your fault, you should let your insurance company know and provide him with your insurance details.

Whether he has his own insurance is not part of that procedure.

LT1233 · 28/04/2025 19:11

FiremanDan · 28/04/2025 19:02

Someone recently reversed into my car. They admitted it, which was the decent thing to do, and contacted their insurance company themselves. Their insurance company sorted it all as my was dented, they never spoke to my insurance company at all or even asked who I was insured with, they didn’t need to.

Why don’t you just give him the £200 (then your no claims won’t be affected) instead of trying to wriggle out of it? You are lucky it was a car you hit and not a child.

Edited

The irony in your high and mighty sign off when the other car shouldn't legally be on the road.

allthemiddlechildrenoftheworld · 28/04/2025 19:14

@notthisnowaswell actually we all know that it is illegal to have a car with no insurance, mot or tax on the road!! phone the police and they will pull him in, they might even scrap the car which should not have been out in the first place!

AquaPeer · 28/04/2025 19:15

FiremanDan · 28/04/2025 19:02

Someone recently reversed into my car. They admitted it, which was the decent thing to do, and contacted their insurance company themselves. Their insurance company sorted it all as my was dented, they never spoke to my insurance company at all or even asked who I was insured with, they didn’t need to.

Why don’t you just give him the £200 (then your no claims won’t be affected) instead of trying to wriggle out of it? You are lucky it was a car you hit and not a child.

Edited

Yes I have to say for reasons that are irrelevant now- as it was 10 years ago- I had a family member who was driving an uninsured car that they didn’t even own who was hit by an insured driver and the car was fixed without the insurers even uncovering that situation.

Original poster
notthisnowaswell · 28/04/2025 19:16

LT1233 · 28/04/2025 19:09

You have to tell your insurance about any incidents. I rolled backwards into someone at lights once at about 0.002mph, zero damage on either car. The guy I rolled into was absolutely raging, literally frothing at the mouth. I gave him all my details even though there was nothing wrong with either car - and I didn't tell my insurance because... there was nothing wrong with either car. Few weeks later my insurance got in contact with me to say the CF had made a claim for £600. I just told them he'd gone into the back of me but there was no damage to either car so I left it as that - they replied that you have to report it even if there's no damage. They ended up going 50/50 which was adequate karma for the CF I thought.

Tldr; take glee in phoning your insurance company and telling them someone has gone into the back of you. Do it before he does.

yeah, I think this is what I will do. I will phone my insurance company and give them his details

OP posts: