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MOT Insurance is no longer available at Shortfall!


As of the 1st of August 2014, the MOT Insurance product at Shortfall was removed from the market. However, if you have purchased an MOT Insurance product prior to the removal date, your policy is still live and in place and will be in action until the policy end date.


The information on this page will apply to your policy if you have already purchased a policy. The information may also help you make an informed decision on whether or not to purchase MOT Insurance from another supplier.

MOT Insurance is designed to help you with budgeting your finances when your vehicle fails its MOT Test. 


Every vehicle over three years old must have an MOT test check every year, which means that your vehicle must be kept in a road worthy condition. The MOT will check that your vehicle meets the requirements of road safety, along with environmental standards. The tests have become more and more rigorous over time and so it is more likely that your car is likely to fail it's MOT than ever before. 


If your vehicle is put in for it's MOT and it fails, then you are unable to put your car back on the road until the essential repairs have been made. Depending on what is found to be wrong with your vehicle, this could cost a significant amount of money.


This is where MOT Insurance can help you, by having this insurance you can ensure that if your vehicle needs to be repaired in someway, then you are protected for this and it can essentially help to secure your finances.


Anyone who had a vehicle which has failed their test before will know that it can cost a great deal of money to ensure your vehicle is road worthy again.


Please note that this Insurance will not cover everything, such as wear and tear. 


Yes this Insurance is just like any other insurance in that it can not stop your vehicle from failing the test, it can however make sure that if it does that you are not lft to pay the repair bills alone.


To help combat fraudulent Shortfall MOT Insurance claims and to keep cost down you are asked to pay a £10.00 contribution to the cost of each claim.

Your Shortfall MOT Insurance Policy Will Cover You For:

The following items are covered during the period of insurance where a VT30 notification of refusal to issue a MOT certificate is issued and lists one or more of the covered items below as the reason for not issuing a VT20. 


The maximum amount payable under your policy is subject to the claim limit and any excess detailed on the policy schedule. 


We cover the vehicle's:


Lighting Equipment


Headlamps, front and rear side lamps, number plate illumination lamp, headlamp aim, stop lamps, rear reflectors, front and rear fog lamps, hazard warning lamps and control, direction indicator control and indicator switch. 


Steering and Suspension. 


Steering mechanism and system, power steering, transmission shafts, wheel bearings, front and rear suspension and shock absorbers, suspension drag link, track rod ends, suspension springs, wishbones, swivel joints, suspension mountings and sub frame. 




Master Cylinder, wheel cylinders, calipers, load compensator, ABS modulator/sensors, electronic control unit, hoses and cables. 


Seats and Seatbelts


Operation and security of the seatbelt system and mountings. 



Fuel System


Carburettor, fuel injection, engine management unit or sensor replacement directly as a result of calibration failure to meet MOT exhaust emission standards. 


General Items


Horn, Speedometer, Windscreen wipers and washers. 



Your Shortfall MOT Policy will not cover you for:


Damage from an accident, vandalism or impact. Items which are not of original manufacturer specification and/or fitment. 


Driveshaft rubber gaiters and/ or boots. 


Damage caused by defective wheel balance or allignment. 


Brake discs, drums, brake shoes or pads. 


Failure to follow the manufacturer's servicing requirements. 


Failure as a result of damage from an accident. 


Corrosion of the seatbelt mountings. 


Vehicle exhaust system including catalytic converter.


Exhaust mounting rubbers. 


Windscreen replacement or repair. 


Wiper blades and/ or rubbers. 


General Exclusions:


We do not cover:


The MOT test and/or retest fees


Items not of original manufacturers specification to the vehicle


Items listed as advisory on the VT30. 


Damage caused by road traffic accident or fire. 


Structural damage, rust or corrosion. 


Items subject to wear and tear such as tyres, etc.


Claims excess. 


Excluded Vehicles:


Taxis, self drive hire, driving schools, service vehicles e.g police, ambulance etc. 


Commercial vehicles, or vans with a carrying capacity exceeding 1750kg. 


A vehicle used in any sort of competitions, rallies, pace making or off road use. 


Left hand drive vehicles or a vehicle not listed in Glass's Guide. 


Any vehicle owned by a motor dealer or trader. 

Your MOT Insurance is arranged by Aequitas Automotive Limited trading as with UK General Insurance Limited on behalf of Ageas Insurance Limited.


They are registered in England No. 354568. 


Registered Office: Ageas House, Tollgate, Eastleigh, Hampshire, SO53 3YA. 


With effect from 1st October 2013, the registered address of Ageas Insurance Limited is Ageas House, Hampshire Coporate Park, Templars Way, Eastleigh, Hampshire, SO53 3YA. 


UK General Insurance Limited is authorised and regulated by the Financial Conduct Authority. 


Ageas Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.


This can be checked on the Financial Services Register by visiting the FCA's website at 

How to make a claim on your Shortfall MOT Insurance Policy?


Should it be necessary to make a claim, the following procedure must be adhered to within seven days from the date of issue of the VT30. 


Contact the claims administrator to check if the repair is covered under the policy on:


Telephone: 0191 258 8150. 


You should not permit the repairer to commence any repairs covered under your policy without authorisation from the claims administator. 


At the time of reporting the claim you will need to provide the following documents in order to process a claim:


A copy of the previous MOT certificate (VT20). 


Copy of the VT30. 


Your MOT Insurance policy schedule. 


The repair invoice stating the cost of parts, labour and VAT. 


Failure to submit the above documents will delay reimbursement of your claim. When the repairs have been completed, you must submit the above documents to the claims administrator, the repair invoice should be addressed to the claims administator and clearly state the claims authority number issued for the repairs. The invoice should provide full details of the repairs including parts used, labour costs and VAT. 


UK General Insurance Limited is an insurer's agent and in the matters of claims act on behalf of the insurer.