Ombud Raises Red Flag Over Claims on Unroadworthy Vehicles

Did you know that if your vehicle is not roadworthy, your insurer may reject your claim?

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The National Financial Ombud Scheme (NFO) has recently reminded motorists that keeping your vehicle in a safe and legal condition is both a legal requirement and a contractual obligation under your insurance policy.

In a recent article by Moonstone, the Ombud highlighted that:

• Tyres and brakes are the most common reasons for claims being rejected.
• Insurers may rely on expert evidence to prove a lack of roadworthiness.
• A rejection of claim may only be valid if the vehicle’s condition was material to the cause of the loss.

Two case studies illustrate this:

• A claim was rejected where aquaplaning caused by an unroadworthy tyre led to an accident.
• A claim was upheld where worn brakes were not proven to have caused the incident.

Key takeaway: Ensuring that your motor vehicle is roadworthy is not only a legal requirement but a contractual obligation if your vehicle is insured.

You can read the full article here:

Moonstone Article

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