The Post Office Advises Motorists Might not Have Full Car Insurance Cover if their Vehicle Fails the MOT Test

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Drivers should consult with car insurance providers to make sure vehicles are covered

Government research has revealed that 36.3 per cent of cars failed their MOT tests in 2008 - 2009. Post Office Car Insurance is reminding drivers to contact their car insurance provider if their car fails an MOT to ensure they are fully covered until the car is deemed to be roadworthy.

Post Office Car Insurance is also reminding drivers they may need to declare the vehicle off-road with the DVLA if it fails its MOT and is not immediately repaired. Policyholders should always seek advice from their car insurance provider if their vehicle fails, as many car insurance policies may only cover a vehicle for theft, attempted theft or fire damage if the car is declared long-term off-road with the DVLA under a Statutory Off Road Notification, or SORN.

If a driver would like to make his or her SORN vehicle roadworthy, the vehicle must pass a new MOT test before the DVLA can issue a new Road Tax disk. . Post Office Car Insurance also reminds drivers that they can only legally drive a vehicle that has previously failed its MOT to or from a new MOT test.

Furthermore, Post Office Car Insurance is reminding drivers of the importance of regularly servicing of their cars. Putting this off and ignoring problems may of course lead to their vehicle failing its MOT test.

Post Office Car Insurance research has shown that 29 per cent of car owners have put off servicing their cars to save money in the past 12 months. The research has also revealed that six per cent of motorists have not done anything to fix an 'advisory' problem pointed out at the MOT test.

Post Office Head of Car Insurance Richard Pennant-Jones said:

"Car safety is one area where cutting corners could cost you more than you bargained for. Failing to maintain your car could even result in it being deemed unroadworthy and therefore invalidate your car insurance."


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