The government’s current analysis of the necessity for vehicles to undergo compulsory annual MOT inspections could have potential road safety implications, Swinton has stated.  This could potentially impact all areas of insurance, including UK breakdown cover.

Speaking on behalf of the UK insurer, Development Manager Steve Chelton stated that ‘Every motor insurance policy imposes a duty of care on the policyholder that means it is essential that vehicles are maintained properly and MOT certificates are valid.’

This statement came in response to a call by Lord Marlesford, a former Downing Street advisor, who called for a review of the ‘costs and benefits’ of the potential for the increase in frequency of garage check-ups.

Currently costing £58, the MOT test – currently required to be carried out on every road car once a year – is this year celebrating it’s fiftieth birthday.  If carried out, the new plans will lead to the test being a bi-annual necessity: this may cause controversy as 37% of cars currently fail their MOT at the current rate.

Mr Chelton urged all road users to ‘perform regular checks on their vehicles’ to help ensure that their cars are more prepared for the test, highlighting the importance of regularly checking tyre pressure as well as oil and water levels.  He also advised for customers to double check the fine print of their insurance and UK breakdown cover to double check the importance of an MOT claim in their policy, as it could affect their ability to claim.

He concluded by stating that the review could potentially ‘come as a worry to Britain's 33 million road users who are protected by the current system and see it as a small price to pay for keeping our roads safe.’

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