Money Expert > Car Insurance > Can I Drive My Car if it Fails an MOT Test? What UK Drivers Need to Know
Can I Drive My Car if it Fails an MOT Test? What UK Drivers Need to Know
Last updated: 14/11/2025 | Estimated Reading Time: 7 minutes
Money Expert > Car Insurance > Can I Drive My Car if it Fails an MOT Test? What UK Drivers Need to Know
Last updated: 14/11/2025 | Estimated Reading Time: 7 minutes
Most vehicles over three years old need an MOT test certificate to be legally driven on public roads. The purpose of the MOT is to confirm that a vehicle meets minimum UK road safety and environmental standards. The test isn't too exacting—an inspector will not be worried about the car's presentation, and they're not looking for perfection. However, every now and then, a vehicle fails. When this happens, drivers are often left asking: 'Can I drive my car if it fails its MOT?'
The short answer is 'sometimes, but only under very specific conditions'.
Here, we'll explain exactly what happens when your car fails its MOT, when you can legally drive after failing one, when you can't, and what might happen if you are caught driving a car without a valid MOT certificate. We'll also talk you through the next steps after a failed MOT test and how to avoid a repeat failure
If a vehicle does not meet the minimum standards during its full MOT test, it will be issued a VT30 fail certificate. This will list the faults that caused the failure in order of severity:
A fail doesn't always mean the car can't be driven at all. The determining factors include whether the previous MOT is still valid, the severity of the faults, and where the driver intends to take the car.
MOT failures are recorded in the MOT database, which police and ANPR systems can access during roadside checks
Now let's take a look at when you can still drive a car without a valid MOT:
A failed MOT does not automatically cancel your current MOT certificate. If your previous MOT has not yet expired, you can usually continue driving your vehicle until it expires - under two very important conditions:
However, it's a very good idea to arrange repairs to get the car up to standard before the MOT expiry date is officially up.
You will not be able to use the car if it has dangerous faults, and it's worth noting that major defects could cause serious issues if you continue to drive without fixing them. Remember also that if you get into an accident in a vehicle with major defects, you may find that insurers hold you culpable and refuse to pay out.
If the current MOT has expired and your car fails its next MOT, you cannot legally drive it on public roads - unless you are driving it to a pre-booked MOT test or a repair appointment.
If the MOT test records dangerous faults, your vehicle will be declared non-roadworthy with immediate effect. In this case:
Dangerous faults include things like brake failure risks, structural damage, severe tyre defects, or insecure steering systems. If you ignore dangerous faults and drive the car away, you could be prosecuted for driving an unsafe vehicle.
Insurance policies are built on the assumption that the insured vehicle is legal and roadworthy. A failed MOT does not automatically invalidate insurance, but it can give insurers grounds to refuse a claim.
Common reasons for refusing claims after failing an MOT test include:
Even fully comprehensive policies can be invalidated if the insurer determines negligence or noncompliance.
If your vehicle fails an MOT test, don't worry. It's not the end of the road. Here's what to do next:
Some test centres offer free partial retests if repairs are completed within a specified timeframe, while others charge a fee. This varies between MOT test centres, however, so it's a good idea to check retesting policies before you book your MOT.
If you disagree with your MOT test result, you have the right to appeal to the Driver and Vehicle Standards Agency (DVSA). You should lodge the appeal as quickly as possible, and not alter your vehicle until a DVSA-appointed assessor inspects it.
If you drive without a valid MOT, you could be hit with:
There is no formal grace period after an MOT expires. The moment the certificate lapses, standard driving is illegal unless you are heading directly to a pre-booked test or repair appointment. If you are stopped without a valid MOT certificate, the police will fine you at the roadside. Repeated high-risk violations can escalate to court penalties.
Avoiding future MOT failures starts with proactive vehicle care. This involves things like:
Many vehicles fail MOTs due to minor, preventable faults. Checking your car regularly means you'll spot issues early, which significantly reduces repair costs and lowers your chances of failing the MOT.
The key rules for driving a car that has failed its MOT are:
Understanding and following these rules will protect you from fines, insurance risks, and danger. When in doubt, keeping the car off the road until repairs are completed is not just the safest choice; it is often the cheapest and most legally secure one.
To find the best insurance deal for your car, whether it’s failed its MOT or not, use MoneyExpert’s simple comparison tool. We’ll help you to find the most cost-effective insurance premium, even for a car that’s on its last legs (or wheels).