CAR ARTICLE

MOT Test Failure Insurance

In 1999/2000 33.6% of all cars failed their MOT test**

MOT Insurance has been designed to cover the customer when their vehicle fails a MOT test, covering the majority of items on a VT30 (MOT fail-sheet).

Benefits of MOT Insurance
The Policy covers the cost of repair and/or replacement of parts listed due to the failure of the MOT Test. The claims limit is £300.00 including VAT with the customer responsible for the first £10.00 of any claim.

MOT Insurance provides
The cover is available for 1, 2 and 3 years for vehicles less than 8 years old and 80,000 miles at point of sale and must have 3 months left to run on a current MOT.

Specific MOT Insurance Policy Exclusions
The cost of the MOT Test and re-test, Accident or structural damage, rust or corrosion, windscreen, exhaust system and catalytic converter, engine tuning or adjustment, wheel alignment, brake friction material, items subject to fair wear and tear such as tyres, brake pads, clutches etc (this is not a complete list) consumable items, the first £10 of each repair or replacement.

**Source: Vehicle Inspectorate.