The abolition of annual MOT will increase insurance premiums

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Government plans to ease requirements for motorists to have their vehicles checked annually will increase the cost of car insurance, experts have warned.

Ministers are considering increasing the duration of MOT certificates to two years, in a bid to ease the cost of living crisis. But experts have warned this will lead to higher insurance premiums because vehicles with fewer checks are more likely to break down.

Consumer Intelligence analyst Karen Houseago said that if the government’s idea of ​​pushing back MOTs was to help consumers, it would be more detrimental to both their safety and their pockets in the long run.

“Fewer MOT checks mean cars won’t be as safe, leading to more breakdowns on the road and more accidents. This will drive up the cost of car insurance,” she said. This idea cannot be good for consumers in the long run, it just introduces more dangerous roads and higher costs.

Nicholas Lyes, Policy Officer at the RAC, said: ‘Changing the MOT from one year to every two years would lead to a dramatic increase in the number of roadworthy vehicles and could make our roads much less safe.’ The AA said biennial testing “could drive up costs for drivers with higher repair bills”.

Car insurance premiums have already risen by 4.3% since the start of the year, with an average policy cost of £697, according to Consumer Intelligence.

Insurance prices rose in January when the Financial Conduct Authority, the city’s watchdog, banned the “loyalty penalty”, which prevents insurers from offering cheaper offers to new customers while charging more existing policyholders when they renew.

Drivers have also been affected by soaring fuel prices, which have reached record highs this year thanks to commodity market volatility caused by the war in Ukraine.

The maximum legal cost for a test is £54.85 per year, and they are currently required annually for most cars over three years old.

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