A failure to pass the VTC technical inspection may result in a second inspection, suspension of the warranty or an additional premium; check your brakes, lights, seat belts and general condition to stay insured with complete peace of mind.
The technical inspection, mandatory every two years for VTC vehicles, is not just a formality: a rejection or simple detected defects can have major repercussions on your insurance contract , with additional premiums , re-inspections and even suspensions of guarantees . To drive with peace of mind and avoid any unpleasant surprises, follow this complete checklist before your MOT appointment, to guarantee the conformity of your vehicle and the continuity of your cover.
1. Prepare your VTC before the check
1.1 Brakes and suspensions
Check:
- Pad and disc wear rate,
- Condition of shock absorbers (no leaks),
- Parallelism and absence of play in the steering.
Ineffective braking is a major reason for a second inspection and indicates an increased risk for the insurer.
1.2 Tires and wheels
Make sure that:
- Tread depth ≥ 1.6 mm,
- Pressure in accordance with manufacturer's recommendations,
- No hernias or cuts on the flanks.
Worn tires promote aquaplaning; an identified defect may result in an additional premium for potential claims.
1.3 Lighting and signaling
Test all lights:
- Headlights, sidelights, turn signals, brake lights,
- License plate light and fog light.
Burnt-out bulbs or incorrect headlight adjustment are systematically rejected during the MOT and increase your risk profile.
2. Check the passenger compartment and passive safety
2.1 Seat belts and airbags
Check:
- The tension and locking of each belt,
- The airbag warning light on the dashboard (off),
- The absence of anomaly indicators.
An airbag or pretensioner malfunction may suspend your insurance's “bodily injury” coverage.
2.2 Visibility and glazing
- Windshield without cracks in the field of vision,
- Windshield wipers in good condition,
- Mirrors intact and well adjusted.
Too great an impact or an obstructed field of vision will result in a second inspection, and the insurer may require repairs before any coverage.
3. Check the engine and exhaust
3.1 Emissions and smoke level
Check:
- Oil and coolant level,
- Particulate filters,
- Lambda probe functional.
A smoking engine or a CO2 level that is too high can lead to a temporary refusal of the MOT and trigger a “pollution” surcharge.
3.2 Leaks and Fixings
Check for any oil, brake fluid, or fuel leaks; also make sure the exhaust is securely fastened and free of punctures. Leaks pose a fire hazard and require a re-inspection.
4. Consequences of a failing control on insurance
- Counter-inspection : obligation to repair before being able to drive, out of warranty if accident before return to compliance.
- Additional premiums : some insurers increase the premium if the vehicle has recurring defects (braking, lighting).
- Suspension of guarantee : in the event of failure to comply with the counter-inspection within the time limit (2 months), the insurer may decline all cover.
- Increased risk profile : accumulation of unfavorable CTs may lead to termination for increased risk.
5. Best practices for maintaining an optimal contract
- CT Schedule : Schedule the inspection 1 month before the due date to anticipate repairs.
- Regular maintenance : oil changes, pads, filters, to avoid major faults.
- Maintenance log : keep a record of the work carried out, as proof in the event of a dispute with the insurer.
- Specialist brokerage : thanks to KT VTC & TAXI, negotiate a “Technical Risk” package including coverage for a second inspection and a pleasure audit before the technical inspection.
Conclusion
Passing your technical inspection without a defect is not a luxury but a necessity to maintain intact insurance coverage . By following this VTC checklist , you anticipate objections, limit costs and guarantee optimal protection for your business. To go further, call on KT VTC & TAXI , your expert broker to secure your contracts and your rates.