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Only did a scan read but DL and Churchill are the same insurance company so are likely to have the same stance and DL's current policy (https://www.directline.com/lib/pdf/dl-car-policy-document.pdf) doesnt have any reference to MOT certificates.
Saga do have a clause that your car must have an up to date cert if applicable however that applies to the whole policy and not just the F, T & AD sections. If the FOS would consider this reasonable would require a test complaint.
As I said, it may exist with some insurers but its not the norm. |
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