Provided that the terms and conditions are complied with, Your Insurance will contribute to the repair or replacement of the Components listed below where they are shown as failing to meet current MOT standards on a Refusal of Issue an MOT test certificate (VT30) form.

Lighting and Electrical
Headlights and adjustment, (excluding corroded or damaged adjustments) front end rear side lights, brake lights, rear fog lights, hazard warning lights and controls, direction indicator, lights and controls, front windscreen wiper mechanism (excluding wiper blades), horn and switch, lighting equipment is covered for failure due to discoloration, misalignment, corrosion and water ingress, damage caused by impact, accident or vandalism is not included.

Steering and Suspension
Wheel bearings, steering system (including power assisted steering) transmission shafts (excluding gaiters), front and rear suspension, shock absorbers, track control arms, kingpins, ball joints and wheel alignment.

Braking System
Service brake and hand brake (including failure due to seizure, cracks and leakage), ABS system (the warning light sequence when interrogated). Friction Components – brake shoes, pads, discs and drums are not covered by Your Insurance.

Fuel System
Fuel leakage from tank or pipes (unless caused by accidental or impact damage or corrosion), fuel injection system and ECU are covered for failure to meet MOT exhaust gas emissions standards.

Seating and Security
Operation and security of the seatbelt system and mountings.

Lighting & Electrical
Headlights, headlight adjustment, front and rear sidelights, brake lights, direction indicator lights and controls, horn and switch. Lighting equipment is covered for failure due to discoloration, misalignment, corrosion and water ingress. Cover does not extend to damage from an accident, vandalism or impact.

Steering & Suspension
Wheel bearings (front & rear), transmission shafts, front and rear suspension, shock absorbers.

Braking System
Front brake and rear brake (failure due to seizure, cracks and leakage). Friction Components - brake shoes, pads, drums and discs are service items which cannot be covered.

Fuel System
Fuel leakage from tank or pipes (except where caused by corrosion, impact or accident).

Carburettor
and injection Components and ECU replacement are covered due to failure to meet MOT exhaust gas emission standards.

The Insurer will indemnify the person named on the proposal form (The Insured) against the repair, replacement or alteration of parts described in an MOT Inspection Report (VT30) prepared during the Period of Insurance which prevents the Vehicle specified on the proposal form (The Insured Vehicle) from being issued with a valid MOT certificate.

The maximum amount We will pay per Individual item (including labour and VAT) within the overall Claims Limit is £250 (total of £650 in aggregate
on Car or Van cover, and a total of £500 in aggregate on motorcycle cover.

Please note, the claim is the actual failure to pass the MOT test and not the individual items cited.