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UK Registered car. No MOT. in Spain.

UK Registered car. No MOT. in Spain.

Old Aug 4th 2006, 7:40 am
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Default Re: UK Registered car. No MOT. in Spain.

Originally Posted by zel
I believe from memory the general consensus was (this happened on the forums when you were on holiday) that most companies will not pay out, although there were a few companies that assured their clients they would/will, but from memory none of them stated that in their terms & conditions.

Myself, unless I saw it in black and white in the T&C that British plated cars were covered then I wouldn't touch it with a bargepole as you're just taking someones word for it, I wouldn't take someones word for it in the UK, so the same rule should apply for Spain.

One has to remember the insurance industry survives by trying to get out of paying up on claims, so if they can have a way out they will take it.
Most, if not all, spanish insurance company T & Cs state that the insurance only applies to spanish plated vehicles, as they have no idea whether your car is legal for Spanish roads. I insure through Liea Directa, and that insurance applies only to Spanish Plated vehicles. Certainly would never consider driving an illegal car from Spain to the UK, don't think the authorities over here would accept the explantion you were taking it for an MOT, doesn't mattter what the DVLA would say, it's the authorities over here that count, and they usually impound and stop you driving unless you have ALL relevant papers and receipts in your car at the time, there is no 7 days to produce your documents here.
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Old Aug 4th 2006, 9:46 am
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Default Re: UK Registered car. No MOT. in Spain.

Originally Posted by mikelincs
Most, if not all, spanish insurance company T & Cs state that the insurance only applies to spanish plated vehicles, as they have no idea whether your car is legal for Spanish roads. I insure through Liea Directa, and that insurance applies only to Spanish Plated vehicles. Certainly would never consider driving an illegal car from Spain to the UK, don't think the authorities over here would accept the explantion you were taking it for an MOT, doesn't mattter what the DVLA would say, it's the authorities over here that count, and they usually impound and stop you driving unless you have ALL relevant papers and receipts in your car at the time, there is no 7 days to produce your documents here.
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This company insures Spanish AND UK plated cars in Spain

http://www.abbeygateinsure.com/index.html
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Old Aug 4th 2006, 1:26 pm
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Default Re: UK Registered car. No MOT. in Spain.

Originally Posted by Mitzyboy
This company insures Spanish AND UK plated cars in Spain

http://www.abbeygateinsure.com/index.html
How can they legally insure an illegal car ?????
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Old Aug 4th 2006, 1:56 pm
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Default Re: UK Registered car. No MOT. in Spain.

Originally Posted by apezzer
OK. Ive read so much on here about this subject, but getting lots of different views. Heres my situation.

I have a British registered car that has not been driven for a few years in Spain. Its sitting in the garage. It has no UK MOT, tax, insurance. I wish to drive it back to the UK where it will stay!

Am i right in thinking that:
I can get a ITV on a UK registered car but must find a Spanish insurer to cover it for the journey home!
Then once i get it back to England, i know, as long as it is insured (with UK insurer) and the MOT is booked, i can drive it directly to and from the MOT. (does this law apply in Spain).

Help!!!
Andy
As far as i can see you should be able to insure a UK reg car (currently in Spain) with an insurance company in the UK. You would be covered to drive it in Spain and France for a limited period under the normal policy rules. It doesnt seem to be relevant as to where the car actually is at the time you take out the insurance.

As for the drive back to the UK without an MOT, as has been pointed out, under UK law you are allowed to drive a car without a valid MOT and tax so long as you are driving it to your nearest MOT station with a booked appointment - it doesn't say that you have to start the journey in any particular place.

Since under the above two specific circumstances your car is actually perfectly legal in the UK (even without tax and MOT) then it should also be legal anywhere in the EU and your insurance will be valid and you are complying with EU law that states that you can drive in any member state so long as the car is legal in its country of registration.

The only snag I can see is trying to explain all that to the Guardia/Gendarme if you are stopped. However if you wave a ferry ticket at them I would be very surprised if they bothered you - they have far better things to do.
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Old Aug 4th 2006, 2:04 pm
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Default Re: UK Registered car. No MOT. in Spain.

Originally Posted by jdr
How can they legally insure an illegal car ?????
I interpret mitzyboys comment as providing a company that insures both uk plated and Spanish plated cars in Spain,
As to the legality, in the UK you have to show proof of insurance and current MOT BEFORE taxing the car, if the car has an expired MOT you can still insure it legally, and you are covered when driving to get it MOT'd, ipso facto you can theoreticly insure an illegal car
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Old Aug 4th 2006, 2:36 pm
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Default Re: UK Registered car. No MOT. in Spain.

Originally Posted by kevray
I interpret mitzyboys comment as providing a company that insures both uk plated and Spanish plated cars in Spain,
As to the legality, in the UK you have to show proof of insurance and current MOT BEFORE taxing the car, if the car has an expired MOT you can still insure it legally, and you are covered when driving to get it MOT'd, ipso facto you can theoreticly insure an illegal car
By illegal car I mean A UK plated one that has been in Spain for more than 6 months I know they take your money for insurance, but the cover aint there.
Insurance companies make their money out of not having to pay out claims, and if its illegally in Spain, and no tax or mot it shouldn`t be on the road anywhere, so that gives them three reasons not to pay for a kick off.
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Old Aug 4th 2006, 4:46 pm
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Default Re: UK Registered car. No MOT. in Spain.

Originally Posted by jdr
By illegal car I mean A UK plated one that has been in Spain for more than 6 months I know they take your money for insurance, but the cover aint there.
I know what you mean mate, but apparantly it is .... under a 12 month green card cover.
It really doesn't bother me that much as I will be converting my hobby car to Spanish plates after 6 months anyway, but its interesting to note. As you say, when tested it might prove interesting, but with the proper written guarantees from the insurance company .........
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Old Aug 4th 2006, 4:58 pm
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Default Re: UK Registered car. No MOT. in Spain.

Originally Posted by Mitzyboy
I know what you mean mate, but apparantly it is .... under a 12 month green card cover.
It really doesn't bother me that much as I will be converting my hobby car to Spanish plates after 6 months anyway, but its interesting to note. As you say, when tested it might prove interesting, but with the proper written guarantees from the insurance company .........
The green card will not cover it if it has been here for more than 6 months, cos you are resident in Spain, they will not pay out for witholding information.
It is a neccesity to change registration of vehicle to where you are resident, which is Spain if you have been here that long.

This was posted on the FRench site explaining all about halfway down page.
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Old Aug 4th 2006, 5:10 pm
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Default Re: UK Registered car. No MOT. in Spain.

Originally Posted by Fred James
As far as i can see you should be able to insure a UK reg car (currently in Spain) with an insurance company in the UK. You would be covered to drive it in Spain and France for a limited period under the normal policy rules. It doesnt seem to be relevant as to where the car actually is at the time you take out the insurance.

As for the drive back to the UK without an MOT, as has been pointed out, under UK law you are allowed to drive a car without a valid MOT and tax so long as you are driving it to your nearest MOT station with a booked appointment - it doesn't say that you have to start the journey in any particular place.

Since under the above two specific circumstances your car is actually perfectly legal in the UK (even without tax and MOT) then it should also be legal anywhere in the EU and your insurance will be valid and you are complying with EU law that states that you can drive in any member state so long as the car is legal in its country of registration.

The only snag I can see is trying to explain all that to the Guardia/Gendarme if you are stopped. However if you wave a ferry ticket at them I would be very surprised if they bothered you - they have far better things to do.
Exactly Fred James!
Thats the way i see it! But no-one else on here seems to!
I think the laws can be interpreted in so many ways for this scenario that who the hell knows, i bet the DVLA nor the Spanish police could give you a definite answer!
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Old Aug 4th 2006, 5:18 pm
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Default Re: UK Registered car. No MOT. in Spain.

I had a british car her, insured and mot in UK. I wrote it off 5 months later in Spain. My British insurance company paid for the gura fees from when I had the accident and it's stay in their yard which was 3 months in total. They also transported it back to the Uk where they wrote it off, and they also paid me £5000 which was more than the car was worth at trade price. My argument was if I had to replace the car it would cost me that to replace it. So I did very well out of my insurance company on all accounts, having an accident in Spain. At the end of the day most insurance companies don't always know that the car is out of the country, and it is easy to say you were on holiday at the time, especially if it has the Mot, tax etc at a UK address.
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Old Aug 4th 2006, 6:11 pm
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Default Re: UK Registered car. No MOT. in Spain.

Originally Posted by apezzer
Exactly Fred James!
Thats the way i see it! But no-one else on here seems to!
I think the laws can be interpreted in so many ways for this scenario that who the hell knows, i bet the DVLA nor the Spanish police could give you a definite answer!

The Guardia will give you the answer, they will Grua it away if you got stopped like a load of the other UK plated cars around here.
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Old Aug 4th 2006, 6:20 pm
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Default Re: UK Registered car. No MOT. in Spain.

Originally Posted by jdr
The green card will not cover it if it has been here for more than 6 months, cos you are resident in Spain, they will not pay out for witholding information.
Well ... what can I tell you mate, the insurance company says it will. I didn't withold any information, I just told them as it was. The whole thing seems to be a confused mess, as it is with many things to do with cars.

The licence situation for instance .... A UK card licence is perfectly legal in Spain .... full stop ... according to EU directives. But theres so many people that say it isn't .... I just dunno any more

As I said it doesn't bother me greatly as I'll re register on Spanish anyway, but its no wonder people get it wrong!!
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Old Aug 4th 2006, 6:21 pm
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Default Re: UK Registered car. No MOT. in Spain.

Originally Posted by Mercedes
and it is easy to say you were on holiday at the time, especially if it has the Mot, tax etc at a UK address.
Any and I mean ANY insurance company that proves that you dishonestly made a claim will blacklist you, your details are placed on a register and you are then barred from ever getting insurance be it car/home/holiday etc unless you pay a huge premium. ( I repair computers for a major insurance company and they told me this as so many people claim the computer "fell off the desk").
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Old Aug 4th 2006, 6:29 pm
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Default Re: UK Registered car. No MOT. in Spain.

Originally Posted by Mitzyboy
Well ... what can I tell you mate, the insurance company says it will. I didn't withold any information, I just told them as it was. The whole thing seems to be a confused mess, as it is with many things to do with cars.

The licence situation for instance .... A UK card licence is perfectly legal in Spain .... full stop ... according to EU directives. But theres so many people that say it isn't .... I just dunno any more

As I said it doesn't bother me greatly as I'll re register on Spanish anyway, but its no wonder people get it wrong!!
I think the old style card license is not legal, but the new plastic one with photograph on is, and that's what the EU directives say. As you say it's all a mess, and will be even more complicated when UK plates become legal here, which should (or might, or won't) be happening in 2007, then all that will have to happen is that the car will have to be converted with headlights etc, but when registered here you can keep the UK plates, how will the guardia know who to stop, bet they will stop loads of people just because they won't be sure.
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Old Aug 4th 2006, 7:04 pm
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Default Re: UK Registered car. No MOT. in Spain.

Originally Posted by mikelincs
I think the old style card license is not legal, but the new plastic one with photograph on is, and that's what the EU directives say. As you say it's all a mess, and will be even more complicated when UK plates become legal here, which should (or might, or won't) be happening in 2007, then all that will have to happen is that the car will have to be converted with headlights etc, but when registered here you can keep the UK plates, how will the guardia know who to stop, bet they will stop loads of people just because they won't be sure.
Can you imagine the mess Loads of non spanish speaking brits being stopped by loads of non brit speaking spanish, and each trying to explain to each other whay they're doing what. The only reason tbh that I was going on Brit plates was because of considering buying a car from Germany which of course I have to own for six more months to avoid the tax!!
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