How Does MOT Test Affect Car Insurance?

Having a vehicle in the United Kingdom means you must have a valid MOT pass – that’s if you want to have it on the road.

These annual tests ensure that all vehicles on UK roads are safe to drive, intending to keep both motorists and pedestrians safe.

MOT tests don’t only affect your access to driving, but it also affects your car insurance, making it near impossible to get insured if your car hasn’t got a valid MOT certificate.
 

What is an MOT?

An MOT (Ministry of Transport test) is a legal requirement for most vehicles over three years old in the UK.

It’s an annual inspection that checks whether your vehicle meets minimum road safety and environmental standards.

During the test, key components such as brakes, tyres, suspension, lights, seatbelts, steering, exhaust, and emissions are inspected.

What’s not covered are the condition of the engine, gearbox, or clutch – but anything that could affect the vehicle’s safety or compliance with regulations is assessed.

Without a valid MOT certificate, your vehicle is not considered roadworthy. Not only can this result in fines and penalty points, but it can also have a direct impact on your car insurance.

If you are involved in an accident, insurers can refuse to pay out if your MOT has expired.

What Can Fail My MOT Test?

Every year, thousands of cars fail their MOT for issues that could often be fixed with some simple checks beforehand. Some of the most common reasons include:

• Tyres and tread depth – Tyres must have at least 1.6mm tread depth across the central three-quarters. Any bulges, cuts, or uneven wear can result in failure.
• Lights and indicators – A blown bulb, faulty indicator, or cracked lens are among the top culprits for MOT fails.
• Brakes – Worn pads or discs, low brake fluid, or imbalance during testing can all lead to failure.
• Windscreen and wipers – Chips or cracks in the driver’s line of vision, ineffective wipers, or empty screen wash bottles will not pass.
• Suspension and steering – Broken springs, worn shock absorbers, or excessive play in steering joints are red flags.
• Exhaust and emissions – Excessive smoke, leaks, or emissions above legal limits will cause an MOT failure.

A refusal of an MOT test certificate means your car is legally undrivable until the issues are resolved. Driving without addressing these can put your insurance at risk.

Can I Get Insured With a Failed MOT?

Generally, no. Most insurers will not cover you if your vehicle has failed its MOT and you continue to drive it.

A failed MOT means your car has been deemed unsafe or unroadworthy. Even if you keep paying for your insurance policy, it can be invalidated in practice.

The only exceptions are very specific:

• Driving directly to a pre-booked MOT retest or repair appointment.
• Vehicles that are less than three years old (and therefore don’t legally require an MOT).
• Certain MOT-exempt classic cars, where the exemption is declared with the insurer.

If your car has failed, you must arrange repairs before you drive it again. The insurance might still technically exist, but it’s unlikely to pay out on claims if the vehicle doesn’t have a valid MOT certificate.

Does Driving Without an MOT Cancel My Insurance?

Yes, it can. Insurers require your car to be roadworthy to provide cover, and an MOT certificate is the legal proof of this. Driving without one can lead to:

• Policy invalidation – Insurers can refuse to pay out for claims, even if you’re paying premiums.
• Personal liability – If you’re involved in an accident, you may be responsible for all costs, including damage to other vehicles or injury claims.
• Legal consequences – In addition to invalid insurance, you could face fines of up to £1,000 for no MOT, and up to £2,500 plus penalty points if your car is classed as dangerous.

ANPR cameras used by police can instantly detect expired MOTs, meaning you can be caught even without being stopped. This makes driving without an MOT a high-risk gamble.
 

Should I Tell My Insurer If My Car Has Failed Its MOT?

Yes – and it’s always best to be upfront. If your car fails its MOT, you should inform your insurer if you are planning to keep the vehicle off-road (declaring a SORN) or while you arrange repairs.

Failing to notify your insurer could cause issues later. For example, if your car is involved in an accident while it has no MOT, they may reject your claim.

Even if you weren’t at fault, the absence of a valid MOT means your car wasn’t legally roadworthy, giving insurers grounds to refuse cover.

Being transparent about the status of your MOT helps avoid disputes and ensures your policy accurately reflects the condition of your vehicle.
 

Book Your MOT Test Through Blackcircles.com Today

Avoid the risk of invalid insurance, unexpected fines, or being caught on the road without a valid MOT.

At Blackcircles.com, booking your MOT is simple and convenient, with a network of trusted garages across the UK.

Whether your test is due soon or your certificate has already expired, don’t delay. Book your MOT online today and stay legal, insured, and road-safe.