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MOT Insurance


What does this policy cover?

ALA MOT Test Insurance covers the cost of repairing or replacing parts on your vehicle following the failure of the annual MOT test. You can choose a maximum claim limit of either £500 or £750.

If your car fails its MOT you may not be able to put it back on the road until essential repairs have been carried out. This can leave you having to cover unexpected and high costs.

You can avoid these costs with MOT Test Insurance from ALA.

This product can be bought independently without the need for an ALA GAP Insurance policy.

Cover Features:

  • Choice of £500 or £750 claim limit
  • Choice of policy excess - £10 or £25.00
  • Annually renewable cover (as long as your vehicle meets the eligibility criteria)
  • Cover the cost of the repair or replacement of one or more of the following items, if your vehicle fails to meet the requirements of the MOT test:




Can I buy ALA MOT Test Insurance?

We can provide you with cover if your vehicle:

  • is under 7 years of age and has covered less than 70,000 miles
  • is registered in the United Kingdom
  • has an up-to-date service and no pre-existing faults
  • has at least 90 days remaining on its current MOT
  • is not excluded

    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.



What will ALA MOT Test Insurance not cover?

  • Vehicles outside the United Kingdom
  • The MOT test and / or retest fees
  • Claims made more than 7 days after the VT30 certificate is issued
  • Items not of original manufacturer 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