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MOT Failure Insurance

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What is MOT Failure Insurance?

MOT Failure insurance will pay the costs of repairs following an MOT failure.

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 do we cover?

Our policy will pay for repairs typically up to the value of £1,000 covering 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. We will even cover the retest fee.

Points to consider

Every year latest figures show that 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.

If people 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 Financial & Legal 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 as long as 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.

Why Choose Financial & Legal?

Our claim process is very simple. Customers need to call our claim number and send us a copy of their VT30 Refusal of an MOT certificate. We will then liaise with a garage to get their vehicle repaired so that it can pass the MOT retest. It is that simple and providing the repairs do not exceed the limit of indemnity all it will have cost your customer is the premium and a small excess of £10.

“The service we receive is exceptional. Financial & Legal are always 100% committed to their clients, providing invaluable swift and professional service, going above and beyond to help. The way the team liaise with our clients is exceptional from start to finish; they deal with matters sensitively and diplomatically, which is vital at a time when clients are understandably vulnerable and have an ongoing legal case.”

Charlotte Roberts, Owner of Anglesey Insurance Services LTD

“We were looking for more than just an insurer. We wanted to work with professionals who understood our business and risks and who could see the bigger picture. With Financial and Legal we have a dedicated team, who listen to us and develop the products we need.”

True Solicitors

“Having been with a larger insurer we seemed to have become stagnant in waiting for decisions and also experienced a lack of innovation. The Financial and Legal team and their personal approach means we can now sell products with the confidence that we are providing our clients with maximum security and protection.”

Pabla and Pabla Solicitors

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