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Taxing an uninsured vehicle?

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T0MMY
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PostPosted: 08:48 - 09 Sep 2009    Post subject: Taxing an uninsured vehicle? Reply with quote

My dad had given me his car to sell for him (here) and he wants it gone asap as the tax is running out at the end of the month and he's switched his insurance to his new car. I'm going to get the car from Bristol and bring it up to me in Cambs, then stick it up for sale but I don't want to have to insure it as hopefully I'll not have it too long. I can drive it up here as my any car cover on my own policy allows me to drive an uninsured car but presumably I can't tax it on that basis...or can I?

The way I see it my only other option is to insure it and then use the certificate to tax it before cancelling. Would I get shafted for admin fees or something doing this?

*SPAM ALERT* Incidentally if anyone wants to buy the car, PM me Wink
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Mystery
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PostPosted: 09:10 - 09 Sep 2009    Post subject: Reply with quote

if your policy allows you to drive an uninsured car then if it has tax on it you could drive it home i guess but not sure what the police would say if they stopped you for no insurance failing that you can get 1 day insurance for anyone over 25 for a day which i think is quiet cheap i think you could get that maybe?
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the grim reaper
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PostPosted: 09:15 - 09 Sep 2009    Post subject: Re: Taxing an uninsured vehicle? Reply with quote

T0MMY wrote:
My dad had given me his car to sell for him (here) and he wants it gone asap as the tax is running out at the end of the month and he's switched his insurance to his new car. I'm going to get the car from Bristol and bring it up to me in Cambs, then stick it up for sale but I don't want to have to insure it as hopefully I'll not have it too long. I can drive it up here as my any car cover on my own policy allows me to drive an uninsured car but presumably I can't tax it on that basis...or can I?

The way I see it my only other option is to insure it and then use the certificate to tax it before cancelling. Would I get shafted for admin fees or something doing this?

*SPAM ALERT* Incidentally if anyone wants to buy the car, PM me Wink


Are you sure you're allowed to drive an uninsured car? Any third party cover usually requires a policy to be running on the vehicle you are borrowing. I may be wrong but that is my experience.

If you truly do have cover then your certificate should allow you to tax the car.

Cheers

Grim
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T0MMY
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PostPosted: 09:18 - 09 Sep 2009    Post subject: Reply with quote

I know I can drive it back this month but then I've GOT to sell it by the end of the month as it'll be sat outside my house. I'd rather tax it; that way I can take my time selling it and can use it occasionally to keep it sweet too.

Do you reckon I could tax it if I rock up to the post office with a one day policy certificate? Seems a bit unlikely in a way as wouldn't all the uninsured drivers be doing it to tax their cars Rolling Eyes
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T0MMY
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PostPosted: 09:22 - 09 Sep 2009    Post subject: Re: Taxing an uninsured vehicle? Reply with quote

the grim reaper wrote:

Are you sure you're allowed to drive an uninsured car? Any third party cover usually requires a policy to be running on the vehicle you are borrowing. I may be wrong but that is my experience.

If you truly do have cover then your certificate should allow you to tax the car.


That's what I thought too and that has led to this whole mess! If I'd known I would have got my dad to tax it before he transferred his policy and there would have been no problem. I've always just assumed that the other vehicle must be insured by someone else but another thread on here suggested otherwise so I checked my policy and sure enough, I'm covered for it.

I don't think I could tax the car on the basis of wording saying "use of any other car" though surely? That would mean I can tax anything?

EDIT:- Just read it here, wish I'd known this earlier...
kwaker6r on another thread wrote:

Then you have a poor "riding other bikes " extension.

The standard is the bike must not belong to you, no more, no less. Some companies try to water this down (like yours) to minimise how often you will do it. As stated the rise of ANPR has caused problems for people riding/driving other cars which do not have independant insurance, however that does not automatically dilute the cover.

It is an extension on a policy (standard on all policies however can be specifically excluded) which is designed to be used infrequently, in the case of emergencies or test rides etc. It is not designed to be used as an everyday occurrance.

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G
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PostPosted: 09:37 - 09 Sep 2009    Post subject: Re: Taxing an uninsured vehicle? Reply with quote

Quote:

If you truly do have cover then your certificate should allow you to tax the car.

Not the case. He may be covered, but the layman has to have a policy specifying that vehicle to get tax for it.
You could get one day's worth of insurance and tax it from that. I recently got three day's insurance on a 2l MX5 for £39 or so.
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duhawkz
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PostPosted: 09:45 - 09 Sep 2009    Post subject: Reply with quote

what about one of those companys that gives you 7 days fully comp insurance free.

you phone up tell you've just bought it, they insure it for 7 free then give you a ridiculous quote for insurance at the end of it. then you can tax it simples
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flimbar
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PostPosted: 09:52 - 09 Sep 2009    Post subject: Reply with quote

I seem to remember in some other thread that it was said that an uninsured vehicle can't even be kept on the road whether it is being driven or not.

I guess that would make sense if you believe that in some circumstances a stationary, unoccupied vehicle could be at fault in the event of an accident e.g. parked round a blind bend halfway across the road.
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the grim reaper
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PostPosted: 10:04 - 09 Sep 2009    Post subject: Reply with quote

duhawkz wrote:
what about one of those companys that gives you 7 days fully comp insurance free.

you phone up tell you've just bought it, they insure it for 7 free then give you a ridiculous quote for insurance at the end of it. then you can tax it simples


I believe that you need an insurance certificate, not just a cover note, altghough I might be wrong.

Cheers

Grim
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Kwaks
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PostPosted: 10:08 - 09 Sep 2009    Post subject: Reply with quote

As above, a vehicle parked in the road must be insured. There is no way around this.

Tommy, one option would be to take insurance, tax it then cancel the insurance within the 14 day cooling off period. However most insurers are wise to this and will delay the posting of docs.

One hurdle not yet mentioned, in order to insure a vehicle you must be the registered owner/keeper. Obviously there is leeway given to this for cars going through the purchase process.

Tommy, is selling the car from your address such a good idea? I certainly would think twice buying a car if the address I view at is different to that on the docs. If possible best to sell at your dads and his insurer will prob offer him temp additional car cover until sold. (if not free prob at a minimum cost)
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G
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PostPosted: 10:37 - 09 Sep 2009    Post subject: Reply with quote

Yes, a vehicle /should/ be insured to be on the road. It is illegal for them not to be, just as it's illegal to do 31mph in a 30mph limited road.
kwaker6r wrote:

One hurdle not yet mentioned, in order to insure a vehicle you must be the registered owner/keeper. Obviously there is leeway given to this for cars going through the purchase process.

Not been mentioned because it's not the case. Smile
The above temporary insurance I got is specifically sold for people to use other people's vehicles. Further from that, I and many other people have done it plenty of times in other cases.
Similarly to the other myth of "two people can't have different insurance policies on the same vehicle".


Last edited by G on 10:45 - 09 Sep 2009; edited 1 time in total
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----
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PostPosted: 10:40 - 09 Sep 2009    Post subject: Reply with quote

Does you dad not still have his cover note?
Failing that you could always use photoshop Wink it's worked for me every time (they dont check up on it,although i was always insured just waiting on the docs.)


Last edited by ---- on 10:41 - 09 Sep 2009; edited 1 time in total
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T0MMY
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PostPosted: 10:40 - 09 Sep 2009    Post subject: Reply with quote

I can't really sell it from my dad's as it's a 3 hour drive away. He really knows nothing about cars and wouldn't have the first clue about selling it, having to meet buyers etc. and the first slick bastard that turned up would probably end up taking it off him for nothing.

I know it might seem dodgy to a buyer that the car's at another address but it's obvious from our (unusual) surname that I'm related to the owner and they can phone him and speak to him about the car, he's very credible!
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Kwaks
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PostPosted: 11:06 - 09 Sep 2009    Post subject: Reply with quote

G wrote:
Yes, a vehicle /should/ be insured to be on the road. It is illegal for them not to be, just as it's illegal to do 31mph in a 30mph limited road.
kwaker6r wrote:

One hurdle not yet mentioned, in order to insure a vehicle you must be the registered owner/keeper. Obviously there is leeway given to this for cars going through the purchase process.

Not been mentioned because it's not the case. Smile
The above temporary insurance I got is specifically sold for people to use other people's vehicles. Further from that, I and many other people have done it plenty of times in other cases.
Similarly to the other myth of "two people can't have different insurance policies on the same vehicle".


It is a mine field, however the registerd owner and keeper can be two different people, hence why you can get quotes of a temporary basis to drive someone elses car. In effect you become the keeper of the vehicle for that policies life. In most cases people insuring are the keeper, whereas the owner is most often the finace company/lease company etc.
As for the "two people can't have different insurance policies on the same vehicle", yes that is a myth to an extent. If both people have an insurable interest on the vehicle, then in the event of a claim the insurers would look to divide liability accordingly. For example if stolen, both insurers would pay out 50% of the agreed value.

Look at this thread to see the problems it can cause:
https://www.consumeractiongroup.co.uk/forum/insurance-assurance-companies/91691-car-insurance-claim-void.html
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G
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PostPosted: 11:27 - 09 Sep 2009    Post subject: Reply with quote

Not really reading the link, but... it seems that she didn't specify on the insurance policy that she wasn't and probably didn't check the docs.
In some cases when asked I have said 'not registered keeper' and they have been fine with that.
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Kwaks
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PostPosted: 12:37 - 09 Sep 2009    Post subject: Reply with quote

G wrote:
Not really reading the link, but... it seems that she didn't specify on the insurance policy that she wasn't and probably didn't check the docs.
In some cases when asked I have said 'not registered keeper' and they have been fine with that.


Laughing yeah, tbh if you answered the standard question "are you the registered owner or keeper" like that then it is good enough to get past call monitoring, the assumption being if not the registered keeper then you are the owner. Doing a quote over the phone from the point of view of the salesperson is all about what they can get away with.

Things like excesses must be declared by law, however a clever delivery can satisfy this whilst leaving the customer with a higher xs than they thought. A lot of it is a play on words, as is that question, the onus is then on the customer to check the docs.
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njd27
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PostPosted: 13:18 - 09 Sep 2009    Post subject: Reply with quote

T0MMY wrote:
I can't really sell it from my dad's as it's a 3 hour drive away. He really knows nothing about cars and wouldn't have the first clue about selling it, having to meet buyers etc. and the first slick bastard that turned up would probably end up taking it off him for nothing.

I know it might seem dodgy to a buyer that the car's at another address but it's obvious from our (unusual) surname that I'm related to the owner and they can phone him and speak to him about the car, he's very credible!


Why not punt it out on ebay then? You only then need one visit to your dad's to take some pictures and another visit to meet the eventual purchaser.
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G
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PostPosted: 13:31 - 09 Sep 2009    Post subject: Reply with quote

kwaker6r wrote:

Laughing yeah, tbh if you answered the standard question "are you the registered owner or keeper" like that then it is good enough to get past call monitoring, the assumption being if not the registered keeper then you are the owner.

I have answered "No, it's my friend's car". And this has been reflected on insurance certificates etc.
As I say, I recently got temporary insurance which is sold for the express intent of using someone else's car where you are neither the owner nor the registered keeper.
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T0MMY
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PostPosted: 16:32 - 10 Sep 2009    Post subject: Reply with quote

njd27 wrote:

Why not punt it out on ebay then? You only then need one visit to your dad's to take some pictures and another visit to meet the eventual purchaser.


I don't want to put it on Ebay as it seems like such a waste of a good car as it'll make fuck all. Nodbody on there will believe the low mileage or history of the car anyway so it's just another 11 year old Mondeo, basically worthless. I think eventually one of my friends may want it, someone who trusts me enough to know I'm not bullshitting about the gentle use the car's had Laughing
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