MOT Failure Insurance

MOT Failure Insurance

Having a valid MOT certificate is a legal requirement for every vehicle over 3 years old in the UK. Driving without a valid MOT certificate is illegal and can bring with it a substantial fine – especially if the vehicle is found to be unsafe. Driving without a valid MOT also invalidates a motor insurance policy which in turn brings more penalties including points on a licence or even a driving ban.

What is covered?

The policy covers the cost for repairs, typically up to the value of £1,000, including parts and labour to make sure that a car gets through the MOT retest as soon as possible and get customers back on the road safely and legally, even covering the retest fee.

Product features to consider

The latest figures show that each year around one-third of vehicles fail their MOT at the first time of asking. Many of these fails are down to relatively minor issues such as bulbs or tyre pressure but some can be down to more significant items like failings with suspension or brakes which are two of the most common reasons for failing the MOT.

Many customers rely on their car for work and to see family and friends, it can be very inconvenient to be without their vehicle due to an MOT failure. It may be that customers have sufficient funds to cover any unexpected repairs due to an MOT failure. However, if not then a MSL’s MOT Insurance policy may be the solution. It gives peace of mind that in the event of an MOT failure we can get a car back on the road quickly and with no large repair bills to worry about.

Our policy is tailored to only cover items inspected during an MOT. We cannot pay for other items not covered by an MOT.

Customers can only buy a policy if there is 90 days left on the current MOT certificate and the vehicle is under 10 years old at the time the policy is purchased.

Our policy, like all others, will not cover items known as “consumables”. In other words, bulbs, tyres and general wear and tear.

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Efficient and helpful

“Handled all aspects of my claim well using email as the main method for efficiency. Would recommend.”

February 27, 2020

Everything was handled in a professional way

“They dealt with my problem very quickly and I felt that they honestly were on my side.”

February 27, 2020

Fast, efficient and ‘human’ service

“Prompt call answering. I was guided easily through the process by the handler. Although there is, of course, a degree of scripted monologue, Sanara checked my understanding and ensured I had all the information before ending the call. I also received a confirmation email as promised. very supportive after an accident that had left me shaken. Thank you”

February 23, 2020

Danielle was extremely helpful, knowledgeable and patient with me during my claim. She answered all my questions thoroughly no matter how small (or indeed daft) they were. She followed as promised with emails and continued to answer my questions via email. She is a credit to your company.”

February 20, 2020

Great service as always

“Quick and simple. MSL took all the work on and stopped me from worrying”

February 19, 2020

Professional, friendly empathetic service. Thank you.

“Christine took my call and was fantastic. She explained the process, was clear, precise and empathetic. As someone who hasn’t made a claim before this was quite a daunting prospect, but Christine gave reassurance with her professionalism.”

February 14, 2020

Great people to help you through the process

“Really pleased the way they help you when dealing with your claim. The process was explained clearly throughout. Very happy customer!!”

February 13, 2020

Professional and friendly

“In a stressful situation MSL made things easy to handle and took care of everything! Got me on the road again within the hour.”

February 08, 2020

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