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DVLA improving TAX system?

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st3v3
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PostPosted: 14:00 - 15 Oct 2012    Post subject: DVLA improving TAX system? Reply with quote

Seen here, and not apparently posted yet:

Quote:
We’ve probably all been there. You’ve spent your whole lunch hour queuing to renew your tax disc (yes, you can do it online but you didn’t quite get round to it…), you finally reach the counter proud to be Doing The Right Thing and then some jobsworth takes issue with the emailed insurance certificate that’s all you have because your insurer no longer sends out hard copies. And refuses to sell you a tax disc. It’s an even bigger problem if you’ve just bought a car and, though you can insure it on the spot on the phone or online, without paperwork they won’t sell you a tax disc, despite the fact the police – and indeed anyone with an internet connection – can instantly tell whether or not you’re insured via the Motor Insurance Database.

Ask MID website instantly confirms coverBut in a most ungovernmental approach to good sense and reducing red tape Roads Minister Stephen Hammond has today announced a consultation with the intention of removing the requirement to present your insurance documents when renewing your tax disc.
“There is absolutely no benefit in making motorists prove they have insurance when they buy a tax disc now that we regularly check existing databases for insurance under Continues Insurance Enforcement rules,” says Hammond in a DVLA press release.

“The introduction of Continuous Insurance Enforcement last year was always designed to provide a more robust and technology driven solution to ensuring that vehicles have insurance in place,” continues Ashton West of the Motor Insurance Database.”

The consultation starts today and runs until November 26.


Clicky here.
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Rogue_Shadow
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PostPosted: 16:21 - 15 Oct 2012    Post subject: Reply with quote

would rather a cheaper tax than another system Thumbs Up
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Rogerborg
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PostPosted: 13:28 - 18 Oct 2012    Post subject: Reply with quote

Would rather they sacked off this continuous insurance tosh altogether, rather than defending it by saying that it might, maybe, provide some tiny bit of convenience at some indeterminate point in the future.

If it's got one uninsured vehicle off the roads, I'll eat my lid.
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map
Mr Calendar



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PostPosted: 13:55 - 18 Oct 2012    Post subject: Reply with quote

I agree with the above that they should look at ending the Continuous Insurance farce.

I for one find it very inconvenient and I think it must be costing money without giving any benefit. If it wasn't for the insurance companies being hand in glove with the government (there is another analogy that's more appropriate) because they want money then there would be no point. It causes the law abiding inconvenience and those that would drive knowingly without insurance/tax still do so anyhow.

Is there any figures on how effective it is. I'm obviously thinking lies, damn lies and statistics here.

It is costing money because I may have to go through the hassle of getting money back by returning a 125cc tax disc if I SORN a bike. So that's a part refund from £16 with all the administration costs and my time and effort. Why, for the love of God, why do I have to jump through these hoops and have my taxes wasted?

Second example, pay insurance on a bike/car and fails MOT. So can't tax it. Must SORN it if no tax but it is still insured Shocked and insurance make you pay through the nose to cancel (say £50+ plus elapsed months) because they don't want people to cancel insurance (italics is a quote from insurance company guy).

On sort of topic I know the Road Traffic Act now allows you to show your insurance documents electronically to the police. However, I have proof that Greater Manchester Police do not accept this. They do not even acknowledge that amendment to the law exists. Shame I can't seem to get anyone in the legal profession interested in a perverting the course of justice charge.


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DonDino
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PostPosted: 13:59 - 18 Oct 2012    Post subject: Reply with quote

Rogerborg wrote:

If it's got one uninsured vehicle off the roads, I'll eat my lid.


Well the concept is that it will make it much easier for police to find uninsured drivers/vehicles and remove them off the road.

Before, checks had to be made on whether the driver was insured to drive a vehicle and under which policy etc.

Now, if the plate doesn't show on the MID, it's more clear cut and it's taken away.
There are still some exceptions like a motor trader driving one of his cars etc., but that would be easy and fast to determine on the roadside if they stopped him. The point is to avoid wasting all the police time with idiots waffling about how they are a named driver on their second cousin's insurance and it covers them for any vehicle etc.

Can't see it seriously inconveniencing anyone anyway.
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blurredman
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PostPosted: 14:09 - 18 Oct 2012    Post subject: Reply with quote

I still think they should re-new the cubic capacity margins they tax from.

150-400 is way too large a margin.. It's all a money scam Sad
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map
Mr Calendar



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PostPosted: 14:11 - 18 Oct 2012    Post subject: Reply with quote

DonDino wrote:
...Can't see it seriously inconveniencing anyone anyway.

Used to be able to ride someone else's bike for MOT under a ride any bike clause. Now the bike has to be insured so if fails MOT still cannot be taxed and insurance company most likely gets to keep the money due to the cancellation clauses in their favour. That's an inconvenience to me.

Just because it doesn't register in your little world and your I'm all right Jack attitude doesn't make it right.

Rolling Eyes
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Joncrete Cungle
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PostPosted: 14:21 - 18 Oct 2012    Post subject: Reply with quote

Like criminals will bother with laws like insurance and vehicle excise duty. Much quicker, simpler and cheaper to clone a plate from a legal similar vehicle and drive round using that. Ticks all the ANPR boxes, shit you can even check on ask MID if it is insured or not.

With the numbers of traffic officers round here having almost halved in the last 20 years what are the chances of getting caught provided you don't pick up any speeding / parking tickets that might alert the real registered keeper to the fact his plate has been cloned?
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DonDino
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PostPosted: 15:38 - 18 Oct 2012    Post subject: Reply with quote

map wrote:
DonDino wrote:
...Can't see it seriously inconveniencing anyone anyway.

Used to be able to ride someone else's bike for MOT under a ride any bike clause. Now the bike has to be insured so if fails MOT still cannot be taxed and insurance company most likely gets to keep the money due to the cancellation clauses in their favour. That's an inconvenience to me.

Just because it doesn't register in your little world and your I'm all right Jack attitude doesn't make it right.

Rolling Eyes


Get a day's insurance or something. My little world is a happy place because I don't see problems in every little thing that happens, I try to find solutions instead.

Joncrete Cungle wrote:

Like criminals will bother with laws like insurance and vehicle excise duty. Much quicker, simpler and cheaper to clone a plate from a legal similar vehicle and drive round using that. Ticks all the ANPR boxes, shit you can even check on ask MID if it is insured or not.


You're thinking high-calibre criminals. The majority are people who don't pay up for insurance/mot/tax because they can't afford it yet still think they can drive/ride around regardless. It's those people the system targets best.

Joncrete Cungle wrote:

With the numbers of traffic officers round here having almost halved in the last 20 years what are the chances of getting caught provided you don't pick up any speeding / parking tickets that might alert the real registered keeper to the fact his plate has been cloned?


That's why ANPR cameras are popping up all over the place, the idea is they will automatically flag any problematic vehicles they see and this can then be followed up as the police will know more or less where the vehicle is or has been recently (whether it *will* be followed up, different matter).
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Mr Calendar



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PostPosted: 16:10 - 18 Oct 2012    Post subject: Reply with quote

DonDino wrote:
map wrote:
Used to be able to ride someone else's bike for MOT under a ride any bike clause. Now the bike has to be insured...
Get a day's insurance or something...
The companies offering day insurance for bikes do not any more. I already knew this. I have used it in the past. I suggested it for someone else who then brought me up to speed on the current situation. When you know what you're talking about and can find something more substantial than 'or something' please get back to me.
DonDino wrote:
...My little world is a happy place...I try to find solutions instead.
Go on then, find me a solution, on a low budget of course. Just throwing money at something is something we all can't do.
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Rogerborg
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PostPosted: 16:29 - 18 Oct 2012    Post subject: Reply with quote

DonDino wrote:
Before, checks had to be made on whether the driver was insured to drive a vehicle and under which policy etc.

Now, if the plate doesn't show on the MID, it's more clear cut and it's taken away.

Hang on, the continuous insurance law is not a pre-requisite to having a MID. We could have one without t'other.

Nor is the MID sufficient. There are plenty of exceptions. My Churchill policy insures to me to drive other cars, and no, they do not have to be covered by another policy.

Seize a vehicle that I'm driving on the basis that MID Says No and be prepared to pay my costs. See Pryor vs GMP.

DonDino wrote:
Can't see it seriously inconveniencing anyone anyway.

Define "seriously". I had £200 worth of blackmail demands from the DVLA hanging over me because they assumed my guilt until proven otherwise.

Bear in mind that the SORN defence to it is just pencilled in to a Regulation, and it could be removed at any time without Parliamentary oversight.

And it even attempts to do an end run around the Interpretations Act 1978, since that appeared to produce a level playing field, and we can't be having the peons getting uppity.
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Biking is 1/20th as dangerous as horse riding.
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DonDino
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PostPosted: 16:41 - 18 Oct 2012    Post subject: Reply with quote

map wrote:
The companies offering day insurance for bikes do not any more. I already knew this. I have used it in the past. I suggested it for someone else who then brought me up to speed on the current situation. When you know what you're talking about and can find something more substantial than 'or something' please get back to me.


I will.
I didn't know day insurance is not an option, and I wasn't going to do a full online investigation just so I don't have to say "or something", but the positive spirit remains.


map wrote:

Go on then, find me a solution, on a low budget of course. Just throwing money at something is something we all can't do.


No money to throw here either. I'll check it out.
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DonDino
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PostPosted: 22:50 - 18 Oct 2012    Post subject: Reply with quote

map wrote:
The companies offering day insurance for bikes do not any more. I already knew this. I have used it in the past. I suggested it for someone else who then brought me up to speed on the current situation. When you know what you're talking about and can find something more substantial than 'or something' please get back to me.


I've found ebike insurance, and another one (whose name eludes me) who offer day and temporary monthly insurance for bikes. Obviously I haven't gone on to ring them and all, but if they are advertising it should logically mean it's available to take out.

Other than that... I think I found another way.
You can find an MOT centre that has trade plates and ask them permission to use them on the bike for riding to and from their premises. It shouldn't be too difficult as many dealerships (who have trade plates) are also service and MOT centres too - and they would hopefully not deny such a request.
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Walloper
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PostPosted: 23:06 - 18 Oct 2012    Post subject: Reply with quote

DonDino wrote:
map wrote:
The companies offering day insurance for bikes do not any more. I already knew this. I have used it in the past. I suggested it for someone else who then brought me up to speed on the current situation. When you know what you're talking about and can find something more substantial than 'or something' please get back to me.


I've found ebike insurance, and another one (whose name eludes me) who offer day and temporary monthly insurance for bikes. Obviously I haven't gone on to ring them and all, but if they are advertising it should logically mean it's available to take out.

Other than that... I think I found another way.
You can find an MOT centre that has trade plates and ask them permission to use them on the bike for riding to and from their premises. It shouldn't be too difficult as many dealerships (who have trade plates) are also service and MOT centres too - and they would hopefully not deny such a request.


10 second google:
1st result.

https://www.dayinsure.com/ceased-motorbike-cover.aspx

Short Term Motorbike Insurance

Unfortunately with effect from 30th April 2012 we will no longer be able to offer temporary insurance on motorbikes or scooters.
For the last 3 years we have been the only company in the market providing this cover, initially underwritten by Chaucer and latterly by Catlin. Both companies have decided to pull out of this sector of the market, and despite our best efforts we have not been able to find a replacement underwriter.
As a biker myself I fully understand the convenience our Flexirider cover provided – I used it myself several times to ride mate’s bikes! – but we just haven’t been able to find an alternative insurer. We’ll keep trying, so please continue to keep an eye on our site and hopefully you’ll eventually see some better news!
Thank you very much for your previous custom,
Regards,
Steve.
Managing Director.
Dayinsure.com Ltd
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Rogerborg
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PostPosted: 07:49 - 19 Oct 2012    Post subject: Reply with quote

And you can thank the MID and continuous insurance for the extra costs that have made day insurance non viable. Thumbs Up

eBike's monthly cover is reportedly extortionate as well.

Best option is to find the insurer with the lowest set up costs, go with them, then cancel within 14 days. They can't (by law) charge a "cancellation" fee within that time, but they can charge the "reasonable" costs of setting up the policy. Enjoy that argument Wink
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Biking is 1/20th as dangerous as horse riding.
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map
Mr Calendar



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PostPosted: 08:35 - 19 Oct 2012    Post subject: Reply with quote

DonDino wrote:
map wrote:
The companies offering day insurance for bikes do not any more. I already knew this. I have used it in the past. I suggested it for someone else who then brought me up to speed on the current situation. When you know what you're talking about and can find something more substantial than 'or something' please get back to me.
... I think I found another way.
You can find an MOT centre that has trade plates and ask them permission to use them on the bike for riding to and from their premises. It shouldn't be too difficult as many dealerships (who have trade plates) are also service and MOT centres too - and they would hopefully not deny such a request.

In addition to the previous comments above on day/monthly/cancelling insurance....

Looking into trade plates they are quite restrictive. You wouldn't think so given how they appear to be used would you? Confused

There is this dvla pdf document (ref: VTL301/1) that lays out the uses and journeys (section 4). Plus it appears they cover road tax but the insurance is still through the trader. I suspect, if it's like our company, that insurance is on a list of named drivers (or company employees). So certainly a grey area. Penalty for fraudulently lending them or allowing them to be used by another person is maximum fine £5K and up to 2 years prison term just to frighten you Shocked Your guess is as good as mine as to actual fine/time and if a trader would risk it.

However, on a positive note have been told of a local(ish) MOT place that may offer picking up a bike if they can for ballpark £10 to £20. However, was stressed to me this would be at their convenience when and if they could fit it in. I will enquire further. Not sure if that fix will help anyone else in the same situation elsewhere in the UK though.
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DonDino
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PostPosted: 10:03 - 19 Oct 2012    Post subject: Reply with quote

map wrote:

There is this dvla pdf document (ref: VTL301/1) that lays out the uses and journeys (section 4). Plus it appears they cover road tax but the insurance is still through the trader. I suspect, if it's like our company, that insurance is on a list of named drivers (or company employees). So certainly a grey area.


I read the DVLA Guidance Notes last night. It does make it sound like it would be a perfectly valid use of trade plates, as it would be in the course of the traders/testers (I presume 'testers' can mean 'MOT Testers' too) business.

With regards to insurance, yes it would depend on the company. A motorcycle dealer who also does service and MOT will normally have insurance that covers anyone, as they offer test rides to people - so when I test rode my bike on trade plates, I was insured on their insurance. It's certainly possible, as far as I can tell, if the willingness is there on the part of the MOT tester.
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Rogerborg
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PostPosted: 11:09 - 19 Oct 2012    Post subject: Reply with quote

DonDino wrote:
when I test rode my bike on trade plates, I was insured on their insurance.

Were you? Was it also 1 careful lady owner, never seen any wet miles?

I'd note you that "boss-man said" is a statutory defence for employees, not for customers.
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DonDino
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PostPosted: 11:12 - 19 Oct 2012    Post subject: Reply with quote

Rogerborg wrote:
DonDino wrote:
when I test rode my bike on trade plates, I was insured on their insurance.

Were you? Was it also 1 careful lady owner, never seen any wet miles?


Laughing

...Wasn't I?
...
Was I???

Eh?

Erm, yes I was. Otherwise that £800 they made me pay for their insurance excess was a big con Thinking
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Rogerborg
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PostPosted: 13:28 - 19 Oct 2012    Post subject: Reply with quote

That'd be an entirely separate civil matter, and people get ripped off by dealers every day. Did you see / were you given a certificate of insurance?

This isn't as hypothetically pedantic as it may seem. We've had folk being sent out for test rides on bikes with bare tyres. Trade insurance doesn't come cheap, many dealers are really struggling at the moment, and ethics become flexible when you're wondering whether you'll have a job at the end of the month.

Taking it on trust that they've kept their payments up to date, well, rather you than me.
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Biking is 1/20th as dangerous as horse riding.
GONE: HN125-8, LF-250B, GPz 305, GPZ 500S, Burgman 400 // RIDING: F650GS (800 twin), Royal Enfield Bullet Electra 500 AVL, Ninja 250R because racebike
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DonDino
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PostPosted: 13:36 - 19 Oct 2012    Post subject: Reply with quote

Rogerborg wrote:
Did you see / were you given a certificate of insurance?

This isn't as hypothetically pedantic as it may seem. We've had folk being sent out for test rides on bikes with bare tyres. Trade insurance doesn't come cheap, many dealers are really struggling at the moment, and ethics become flexible when you're wondering whether you'll have a job at the end of the month.

Taking it on trust that they've kept their payments up to date, well, rather you than me.


I know what you're saying, but it would never have crossed my mind to do such checks on a big Triumph dealership in Manchester. Perhaps if it had been a more shabby backstreet dealer I would have wanted to see a bit more. But then again, as far as I am concerned, I was also covered TPO by my own ride-any-bike policy at the end of the day.
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Rogerborg
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PostPosted: 15:55 - 19 Oct 2012    Post subject: Reply with quote

Oh, Triumph, fine, they're rolling in it. Wink
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