It has been said that 1 in every 5 cars fails it MOT. As such this is an ideal product for covering the cost of repair or replacement parts including the labour and VAT providing they are shown as having failed the MOT standards on a refusal to issue an MOT certificate (VT30).

MOT insurance cover details

What’s covered
  • Brakes – Master cylinder, wheel cylinders, callipers, load compensator, ABS modulator/sensors, electronic control unit (ECU), hoses and cables.
  • Fuel system – Carburettor, fuel injection, engine management unit or sensor replacement (where replacement of the engine management unit, or sensor replacement, is directly as a result of calibration failure to meet MOT exhaust emission standard).
  • General items – Horn, speedometer, windscreen wipers and windscreen washers.
  • Lighting equipment – Headlights, front and rear side lights, number plate lights, headlight aim, brake lights, rear reflectors, front and rear fog lights, hazard warning lights and control, indicator lights and control and indicator switch.
  • Seats and seatbelts – Operation and security of the seatbelt system and mountings.
  • Steering and suspension – Steering mechanism and system, power steering, transmission shafts, wheel bearings, front and rear suspension and shock absorbers, suspension drag link, track rod ends, suspension springs, wishbones, swivel joints, suspension mountings and sub-frame.
What’s not covered
  • Brakes – Brake discs, drums, brake shoes or pads (due to limited life expectancy that should be replaced as part of a normal maintenance schedule).
  • Fuel system – Exhaust system including the catalytic converter and exhaust mounting rubbers (due to limited life expectancy that should be replaced as part of a normal maintenance schedule).
  • General items – Windscreen wipers replacement or repair (often covered by motor insurance policy) , blades or rubber (due to limited life expectancy that should be replaced as part of a normal maintenance schedule).
  • Lighting equipment – Damage caused by an accident or collision, or caused by impact, or caused by vandalism as these can be covered by a motor insurance policy.
  • Seats and seatbelts – Damage caused by an accident or collision, or caused by impact, or caused by vandalism as these can be covered by a motor insurance policy. Corrosion of the seatbelt mountings because corrosion is a natural deterioration of car structure (can be prevented as part of a normal maintenance schedule).
  • Steering and suspension – Driveshaft rubber gaiter and/or boots (due to limited life expectancy that should be replaced as part of a normal maintenance schedule). Damage caused by defective wheel balance or alignment (can be prevented as part of a normal maintenance schedule).
Optional cover
  • No optional covers.
Ways to trade
  • Schemes – Build your business by offering bespoke personal lines insurance which meets your customers’ exact needs.

Explore the MOT insurance market

Market information
  • There are more than 37 million vehicles on the UK roads.1
  • In 2014 Britain’s auto industry turned over a record £69.5 billion.2
  • The British motor industry also employs over 800,000 jobs.3

1: http://www.smmt.co.uk/2015/05/motor-industry-facts-2015, 2, 3: http://www.telegraph.co.uk/finance/newsbysector/industry/11706570/UK-aut...