03-09-2014, 04:36 PM
(03-09-2014, 11:49 AM)Slam Wagon Wrote: Fair enough, so any fail deems it unroadworthy and therefore no insurance and cant legally drive anyway.
It's a grey area really, a fail isn't necessarily unroadworthy (a high emmisions reading isnt gonna cause a crash for example) and the police wont see that either...but if it fails because of a knackered beam then you lose the rear end and crash, the insurers aren't likely to pay out. They probably have different ideas of roadworthiness as well. Or if you fail for bald tyres and the police stop you on the way home you'd still get the fine.
Its the same with going to get an MOT on a car that doesn't have one though...you have to have it insured to drive to the centre....but if the car was unroadworthy and you crashed because of it, it's the same scenario, and the insurers may not pay out...