Car insurance – MOT and car tax error could invalidate your cover and land you a huge fine

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Your car insurance will not be valid if you fail to keep your MOT and car tax updated.

Car tax, MOT and insurance are all requirements of motorists before they hit the road and understandably there are punishments for a failure to do this.

Matt Oliver, from GoCompare Car Insurance, explained to Express.co.uk why you must keep these things updated and what punishments you could face.

He said: “Failing to pay vehicle tax can result in a fine of up to £1,000, as well as invalidating your car insurance. 

“You are expected to keep your tax up-to-date at all times, so you shouldn’t wait until your tax expires before renewing it.

“If the MOT on your car has expired, your car insurance becomes invalid.

“Driving without an MOT is a criminal offence and you run the risk of facing a £1,000 fine and a charge of six-eight points on your licence by driving without one. 

“Just as it’s a criminal offence to drive without an MOT, it’s also illegal to drive without valid car insurance. 

“As a minimum, all vehicles must at least third-party cover.

“If you drive without an MOT or vehicle tax you could face a fine, have your vehicle impounded or even face a court prosecution. 

“It’s an offence to keep an uninsured car on the driveway or in a garage without registering it as being unused with the DVLA through a Statutory Off-Road Notification (SORN) – so do this if you’re not going to sell the car or insure it anytime soon.

Thankfully, checking your tax, MOT and insurance is simple and takes a matter of minutes, which could prevent you run-in into problems.

Checking your MOT is simple and can be done by visiting this link. You’ll need to have your car’s make and registration number to be able to do this.

A new MOT reminder service was set up a few years ago which will send you a message four weeks before your MOT test date which can help prevent you from forgetting it.

Car tax can also be checked online and you’ll only need your car’s registration numbers.

Car tax standing orders can be set up which means that it will be automatically renewed, meaning that even if you forget your renewal date you’re not going to be fined.

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