I'm absolutely livid and need advice - pulled over by police

[SableGrape]

Just pulled over in the car with my partner (I have another thread about his shit - the idea today was he'd drop me off at work and go back to his own place, pending a more serious conversation about our relationship going forward.)

We get onto the duel carriageway and he was driving like a bit of a knob (speeding, cutting between lanes), which attracted the attention of a police car. Pulled him over and the car has no MOT, no tax and no insurance.

I am absolutely livid - I had no idea about any of it because on the surface it's really nice car (Astra, about three years old). The car has been seized.

I have a licence but don't drive currently (my car is SORN'D because I had an ankle op and haven't been able to drive) I'm worried that it's going to affect my insurance or license or something - I only passed about four years ago (lived in London before so had no need!)

Told partner to fuck off and that it's over so that's a good thing maybe but what do I do now? Do being in the car affect me in any way? I'm so angry I feel like I can't think straight!

You weren't driving, you're fine. he's been driving you and others in a car he knows has no MOT or insurance. The tax thing is annoying too but the others are important for safety in its widest sense. What a knob good riddance :)

It is most certainly is a myth. If you don’t believe me then check your insurance policy, and look for the bit where it says that. You won’t find it.

The only impact on insurance of having no MOT is if you write your car off. They will sometimes reduce your payout on the basis you car is worth less because it had no MOT.

I think she was perfectly entitled to ask, on the basis of reasonable grounds to suspect OP was aiding and abetting.

I googled "is my insurance valid without mot" and found websites from insurance companies, motoring organisations, car magazine, and lawyers, giving every answer from "Yes, the MOT is not relevant" to "OMG, your insurance will be immediately invalid". The consensus, by which I mean the halfway-house answer, is that they can't invalidate your policy for no MOT unless there is an explicit clause to that effect, but that such clauses are common. All very confusing.

Well that’s not strictly true, or you wouldn’t be able to drive a car with an expired MOT to or from a test (which you can).

Such clauses aren’t common, because I believe the insurance ombudsman has ruled it an unfair clause. Even if the clause is there is is not enforceable because it has been ruled as unfair.

I’ll just leave this here for those that think no MOT invalidates insurance

https://www.pattersonlaw.co.uk/faqs/no-mot-doesnt-invalidate-insurance/

Yes you are allowed to drive to a garage test centre for an MOT,if it is booked. My insurance policy does state it's not valid without a current MOT

It won’t affect you but please get rid of him ! Someone that irresponsible is not worthy of anyone’s time !

Off topic but depending how long your ankle is out of action (and which one is injured) you can get a really simple hand control

https://spinalistips.se/en/tip-mobile-hand-controls-for-car-1491

It costs about £150

Back on topic, your ex is a dick. And if he was driving so erratically the police were probably concerned whether you had been abducted.

People who drive without tax, mot and insurance are often involved in other crime, that’s why she asked for your id, to make sure you weren’t a known offender or wanted for anything else. The car issues are nothing to do with you, don’t worry about it.

I doubt it says that, I think you’re probably misinterpreting it. What exactly does the woroing say?

I think there may be a couple of (very cheap) insurers who do state this but none of the mainstream insurers did the last time I looked.

It’s largely irrelevant if the lack of MOT invalidates insurance. It indicates a driver with such a disregard for other’s safety they morally (as well as legally) shouldn’t be on the road. They’re selfish idiots (or completely incompetent)

You’re allowed to drive to a pre booked MOT without a valid mot, that’s the only legitimate reason you have to be on the road without one.

When I say no mot, tax or insurance I mean for months. Apparently he hasnt been paying his insurance so that's been cancelled in three last week. Or the car finance apparently, because he'd put my number down with them and they rang today asking about payment!

All sorted, because none of my info is linked with the car bar my number.

Oh, he was planning for you to pay all his bills whilst he laid around in your house doing fuck all, wasn't he?

No wonder he was pissed off following the 'I've not been paid' bollocks that you didn't fall for - you prevented his cocklodging plans from coming to fruition.

If the car had been stolen the passenger could have been prosecuted if the police believed she knew the car to be stolen. Obviously they need to ask questions to ascertain all the facts.

My partner was driving and was pulled over by the police whilst I was a passenger. He wasn't doing anything wrong, the car was taxed, it had a MOT and was insured. I was asked for my details and proof of ID and gave them to the police officer. We found out somebody had cloned our number plate and put it on their car, they had been stealing catalytic converters from new cars. The police man wanted to check we were the owners of the car and the numberplate matched with the vehicle identification number and we were the registered owners. I think it is standard procedure to check the ID of all the occupants in the car. You were not driving so it won't impact on your licence. I think the only way it would impact on you is if you had a shared insurance policy.

His convictions will not affect you because he was driving and it's his car. So you're in the clear. Personally I'd just dump him for behaving like a knob driving. Do you really want to devote the rest of your life to someone who has no respect for other people's safety? Would you feel safe with him driving your future children around? Or is it just other people's children who don't matter?

Absolutely nothing to do with you, purely the driver.
good decision run in the opposite direction behaviour like this can often lead to other criminal activity

It won't affect your insurance in any way. Provided, that is, you avoid completely having anything to do with your ex-BP.

It has nothing to do with you, only the driver will be penalised.

This is totally not the point of this but I’m so curious how do you get home from a motorway if the vehicle is seized?!! Do the police drive you to the nearest bus stop or something 🙈😂 they can’t just leave you in a lay-by or something surely?