to be getting in a panic about this?

[tryingtobemarypoppins2]

Yesterday (1st Dec) was out and about in car with babies and a list of jobs to do. One being to stop at post office and get tax disk (I know it was last minute). Anyway during my jobs run I skidded into a ditch. We were all ok but car a mess.
Anyway car gone off on a lorry today and the lorry man commneted that the tax disk was a day out of date. Off course DH has been to post office today but now I am wetting my pants the insurance might not pay out :(
What do you think.

Do you know I could jst scream at DH! I feel like I do EVERYTHING. I work P/T and it's always me that does the childcare run come rain snow or fog! It doesn't seem to matter that I may be late/injured etc he just ups and goes and only needs to worry about himself.

You will be fine.

And i second that a car not having an MOT does NOT void your insurance. I worked in Motor claims for 8 yrs up to a yr ago. If you have an accident and the car is a write off and you have no MOT as long as the car is road worthy then they will just deducted the cost of the MOT from the settlement. If the car wasnt road worthy they will deducted the amount it would cost to make it road worthy from the settlement, on rare occasions they may not pay out at all if the car was unroad worthy.

If the car is repairable then they dont bother checking the MOT anyway.

The tax side of it is realy the same as long as the car was roadworthy your insurance will pay out unless the garage tell the insurers they wouldnt know it wasnt taxed anyway as the insurers wont check that in a repairable situation.

I worked in motor claims for years....this sort of this wouldnt invalidate a claim...as someone mentioned earlier....the value of the vehicle is always asssessed on current condition...so if no MOT, then lower value... its a criminal matter (ie lack ofMOT) whereas Insurance is normally a civil matter

I used to work in motor claims too and agree with the above. Don't worry

Was it valid at the time of the accident? If not then your insurance is invalid, as it is if you don't have a current MOT. The grace thing basically allows you a period of time that you may display an out of date tax disc to cover your disc being 'in the post' if you ordered it online but an online check has to show that the disc had been ordered before the old disc expired.

In theory yes, penguin but no one is ever dealt with for an out of date VEL when claiming on insurance.

I would also question every one saying the lack of MOT doesn't invalidate the insurance - a simple check of the small print of your policy will show this is no longer the case.

I beg to differ! Not me personally but certainly a number of current and former colleagues have been in this situation and had claims rejected on the basis of no tax or MOT. With insurance companies feeling the squeeze and pushing premiums up most companies will use anything to refuse a settlement that they can.

No MOT, yes, VEL that is a day late, no. Your colleagues must have been taking the piss with expiry dates.

Not at all, couple of days in one case, 1 day in the other.

They may have a reduced claim for no MOT but they would have paid out for no VEL -the only penalty for no VEL is to back pay. VEL is to do with the DVLA, not insurance companies. Just because you have a current MOT/VEL it does not mean your road is definitely roadworthy. It is down to the insurers to show that your car wasn't in a roadworthy condition if it is relevant in a collision or claim.

Penguin - i had a claim this time las yr and missed my MOT by 1 month the car was a write off and still road worthy so i got paid the full settlement no problems at all.

Most insurance policy say that the care has to be in a road worthy condition even if you do not have an mot doesnt mean it isnt road worthy.

I never rejected a claim based on no MOT or Tax i have deducted amounts from a settlement because of this but not rejected a claim.

When a car is repairable most insurance companies will not even ask for the MOT or tax anyways.

Did your collegues go to the FOS to get them to look into it as they will make sure the insurance companie is being fair to the customer and not just rejecting the claim for something small.
Are you sure their cars were road worthy if they werent and didnt have an MOT then that would be prob why the insurance wouldnt pay out.

well let's hope for the OP's sake her company is equally lenient. cars were fine prior to accident, insurance companies acted legally.

Don't agree Penguin - as a broker I would have fought it every step of the way and you have several Insurance company employees on here who were responsible for paying the claims saying no tax does not mean Insurers won't pay.
Must have been shit Insurance companies! (or more likely - you don't really know the full story!)