Your reply did not address the question so I called them myself, spoke to underwriters who told me that the law is specific, the vehicle has to be legal in the country it is registered in. So a UK reg vehicle requires valid MOT and road tax paid.meseta wrote:Hi Bongtrees et al !
"I contacted Ibex and they pointed out to me that they are coverholders for Lloyd's of London. Refer to www.lloyds.com, that is they represent major syndicates at Lloyd's.
When you insure with Ibex you insure with Lloyd's in the UK.You have complete financial security.
In the very unlikely event that an Ibex policyholder has a complaint which Ibex cannot resolve the matter may be referred to Lloyd's,then the UK Ombudsman.A final resort would be a UK court.
Check out their website:www.ibexinsure.com"
I refer you to the last suggestion, and hope this helps.
The messenger is not available for shooting, by the way.....
So his answer to my question ¨would Ibex pay a claim if the insured vehicle did not have valid UK MOT¨,,,,,,he said NO.
Reason being the car was not considered maintained roadworthy according to the law.
When asked why agents are saying different he said is up to them what they say. He said that as there is no question on the form about MOT or Road tax, that is their get out apparently.
I wonder if anyone knows if insurers pay out on an accident claim in the UK if the vehicle is neither taxed or MOT´d........if as I suspect the answer is no, why does anyone think it will be any different here?