Cars made more than 40 years ago and where no ‘substantial changes’ have been made to the vehicle in the last 30 years – for example replacing the chassis, body, axles or engine to change the way the vehicle work – no longer require an MOT inspection. This change to MOT regulations however does not change the requirement that the vehicle must be deemed “roadworthy” by insurers.
The fact that a car passed its MOT test yesterday does not guarantee that it is road worthy today and conversely a car without an MOT certificate may be perfectly road worthy. An insurer can only refuse to meet a claim if they can prove that a vehicle was not roadworthy at the time of the accident. Many classic car owners are continuing to have their cars inspected for their own peace of mind and to ensure that their vehicle meets the MOT standards.