MOT Insurance

Our MOT Failure Cover provides invaluable financial support by covering the cost of repairing or replacing components that commonly cause a vehicle to fail its MOT inspection.

Coverage is provided for a wide array of components, with the insurance triggered in the event that one of these are stated on the VT30 form (refusal of an MOT Test Certificate) as a reason why the vehicle has failed its MOT test.

What is Included?



  • Cover is provided if any of the components below are shown on the insured’s VT30 (Refusal of an MOT Test Certificate).
  • Lighting equipment:
    • Indicators, front and rear side lamps, hazard warning lamps and fog lamps
  • Steering and suspension:
    • Front and rear suspension and shock absorbers, power steering, steering control
  • Brakes:
    • ABS modulator/ sensors, callipers and wheel cylinders
    • Seats and seatbelts
  • One, two and three year policies available



  • Qdos has partnered with one of the UK’s most trusted garage networks to provide full UK wide coverage
  • Cover is valid for 30 days prior to and 30 days after the date the MOT test is due
  • MOT Failure insurance is not only available as an individual motor add-on but can also be purchased in conjunction other vehicle protection insurances such as Misfuelling insurance and Alloy Wheel Damage
  • Making a claim does not affect the insured’s ‘no claims bonus’ on their other insurance policies



  • £750 limit of indemnity for any one claim, per policy year
  • £750 limit of indemnity in the aggregate, per policy year
  • £10 excess
  • Trading options include QUBE (our free, cloud-based broker platform), stand-alone referral, delegated authority scheme, Qdos-managed white labelled online retail facility
  • Underwritten by a strong rated UK insurer