OK thanks for al your help. Will pay the insurance cost of my father's car as don't want take risk of having the liability of the motor cycle costs. Thanks all.

Ok thanks for tour help. Looks like next steps is to pay the £2800 and submit a complaint to the financial ombudsman.

I have uploaded my documents as PDFs and taken out all personal information thanks 1st letter.pdf 2nd letter.pdf

Hi thanks for all your replies. The insurance company name is Markerstudy Insurance services Limited. They already paid my father last year when he submitted the claim so his car is fixed and now the insurance is trying to get their money back. I attach 2 letters that they have sent my father. The 1st letter they sent is saying that there was no valid MOT on the car so the policy conditions have been breached and they are looking for reimbursement. Following that letter, my Mother then phoned the insurance which is when the insurance guy scared her that she could be liable to pay for the costs of the motorcyclist and she agreed to reimburse the insurance company the £3k for the repairs to my fathers car. The 2nd letter confirms the telephone conversation. Unfortunately they dont have a copy of their insurance policy. At the time of the accident my Fathers car was roadworthy and in no way did the condition of the car contribute to the accident. The sun was low and he just didnt see the motor cyclist when he pulled out. Once he realised he had no MOT, he took it in and it passed with no advisories. I am going to ask my parents to email the insurance company stating that the car was roadworthy at the time and we will not be reimbursing them. Is this the correct approach?

My father had a car accident last year – his fault. He hit a motor cyclist, the motor cycle was a mess so I am guessing the motor cyclist claimed for a new motor cycle and for his injuries. Additionally the cost to repair my fathers car was £3k which his insurance paid. However at the time of the accident my fathers car MOT had expired by 3 weeks. He genuinely forgot as he is nearing his mid 70s he gets more forgetful. I am lead to believe that this means his insurance is not valid and therefore in theory he has to pay for his costs and the motor cyclist costs. My mother spoke to the insurance company today (as my father is not capable anymore due to health issues) and after scaring her that she could be liable up to £80K in costs due to this mistake, they agreed that within 21 days she pays the cost to repair their own car which was £3k and everything will be settled. Anyone have any advise on what my parents should do please.