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MOT test extensions may have been a great experience for many road users who have avoided the complexities of testing over lockdown. However, many road users have had bad experiences with “catastrophic consequences” taking shape over the past few months.
Consumer expert Dean Dunham reveals how two customers suffered two very similar issues for taking advantage of the simple scheme.
Stacey from Rothersthorpe was due to renew their MOT policy in April but took advantage of the extension before disaster struck.
Just a month late Stacey crashed into another car on a roundabout which left damage to two vehicles.
When Stacey later contacted her insurance firm the company shockingly revealed that the policy had been voided.
It turned out this wasn’t because she didn’t have a valid certificate in place but that the car was considered to be in a dangerous condition for the road.
The vehicle’s brake pads were found to be in a dangerously low state which had made the vehicle dangerous to drive.
The issue would have been picked up by an MOT test meaning the damages could have been fixed.
MOT test extensions came into effect in March and effectively placed a six-month amnesty on all certificates.
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It ensured road users could continue driving their vehicles as usual with the knowledge they had a valid certificate in place even if they were due a test.
However, the government had repeatedly warned drivers must keep their cars in a roadworthy condition at all times to avoid charges.
But this could be hard for many owners unaware of hidden car defects which may have affected their overall driving experience.
Garage shutdowns may have also had a major effect on road users with many missing out on key repairs and servicing that they may have needed.
Jack from Kettering purchased an extended warranty for his vehicle in May just before the car was due a 45,000 mile service
However, lockdown restrictions made it impossible to receive the service which later led to devastating consequences.
Just months later, Jack claimed under his extended warranty scheme to get a new part fitted to his vehicle.
However, his claim was completely rejected as one of the terms of the warranty was that his vehicle’s servicing record must have been kept up-to-date.
Mr Dunham said: “At the start of the lockdown, Government announced that it was relaxing the rules surrounding MOTs.
“This provided owners of cars, vans and motorcycles a six-month exemption from MOT testing from 30 March, meaning if you had an MOT due from 30 March 2020, the next test date was to be extended by six months.
“This news was welcomed by many, but it is now emerging that there are some catastrophic consequences of delaying MOTs, and delaying regular servicing of vehicles, as the following consumers have discovered.”
Mr Dunham adds: “If you have taken advantage of the MOT extension, inform your insurer immediately and ask them to confirm that this will not void your policy.
“You should also inform the finance company (if you purchased the car on finance and the loan is still live), and also the warranty company if you have an extended warranty policy.
You can see more advice from Dean on www.theconsumerlawyer.blog. If you want to ask Dean a consumer law question, you can call him Friday evenings (9-10pm) on LBC Radio – 0345 60 60 973
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