View Full Version : Car Tax Query
Due to unforeseen circumstances a friend of mine has a car that they won't be able to use for a while, and have offered me the use of it until they recover.
It's currently off the road with a SORN, and no MOT.
Is it possible for me to tax the vehicle, using my insurance policy, even though I am not the registered keeper, and live at a different address?
To make matters more complicated, they can't find the current registration document.
tinkerbell84
19-02-2009, 7:01 PM
I doubt it. You'd need another insurance policy.
You'd need to MOT the car first anyway (you can't get tax without it)
Crabman
19-02-2009, 7:03 PM
Once you have an MOT test pass, and get round to taxing the vehicle, you'll need to prove it is insured (i.e. has its own insurance policy registered) to obtain a tax disc - only then will your own insurance policy cover you to drive it on third party cover, assuming that your policy permits you to drive other vehicles (in my experience, not all do).
Think you misunderstood re the insurance - my insurance policy would be for the car.
The question is basically - is it possible to tax the car if I'm not the registered keeper?
Crabman
19-02-2009, 7:18 PM
Think you misunderstood re the insurance - my insurance policy would be for the car.
The question is basically - is it possible to tax the car if I'm not the registered keeper?
Sorry :o
Looks like you can't, see under "Taxing without a Registration Certificate or New Keeper Supplement" heading:
http://www.direct.gov.uk/en/Motoring/OwningAVehicle/HowToTaxYourVehicle/DG_069680
No need to be sorry - obviously I hadn't made myself clear! ;)
Yes looks like you're right - so it looks like I'll have to register the car in my name then test and insure it so I can tax it, then when my friend wants it back, repeat the process in their name.
I wouldn't have thought it was an uncommon scenario, people driving cars that were registered in a partner's name. :confused:
Think you misunderstood re the insurance - my insurance policy would be for the car.
The question is basically - is it possible to tax the car if I'm not the registered keeper?
Not a problem, if you use the docs at the post office with V5c, but if you do it online the tax will go to the registered keeper.
Our car is still registered to my partners mums address, but it's insured at our current address in my name and taxing it has never been a problem.
You need to tell the insurance company that you are not the registered keeper
Not a problem, if you use the docs at the post office with V5c, but if you do it online the tax will go to the registered keeper.
Our car is still registered to my partners mums address, but it's insured at our current address in my name and taxing it has never been a problem.
You need to tell the insurance company that you are not the registered keeper
That's strange - seems like a case of right hand and left hand.
From Crabman's link: "If you’re not shown as the registered keeper on DVLA records you cannot tax the vehicle. You’ll need to apply for a Registration Certificate in your name".
Edit: Maybe Keith's case is when you DO receive a reminder.
anniecave
19-02-2009, 7:52 PM
Not a problem, if you use the docs at the post office with V5c, but if you do it online the tax will go to the registered keeper.
Our car is still registered to my partners mums address, but it's insured at our current address in my name and taxing it has never been a problem.
You need to tell the insurance company that you are not the registered keeper
To tax at post office, after you have MOT, you need either the reminder (in your name) or a new keeper's supplement off the V5 (written with your name on it), or a full V5 in your name.
If the V5 is not available or lost, then in your circumstances the easist thing would be for the registered keeper to pay the fee to get a replacement V5 in their name, then you can fill out the new keepers supplement and change the car into your name.
You wont be able to do it online I don't think as the computer will check for insurance in the same person's name as the V5 (but it may be worth a try as I'm not sure how well the computer checks for this) but yes doing online the tax will go to the address on the V5.
If the V5 is not available or lost, then in your circumstances the easist thing would be for the registered keeper to pay the fee to get a replacement V5 in their name, then you can fill out the new keepers supplement and change the car into your name. Thanks Annie - that looks like the easiest way.
A good job not all taxes are as hard to pay as this! :p
To tax at post office, after you have MOT, you need either the reminder (in your name) or a new keeper's supplement off the V5 (written with your name on it), or a full V5 in your name.
If the V5 is not available or lost, then in your circumstances the easist thing would be for the registered keeper to pay the fee to get a replacement V5 in their name, then you can fill out the new keepers supplement and change the car into your name.
You wont be able to do it online I don't think as the computer will check for insurance in the same person's name as the V5 (but it may be worth a try as I'm not sure how well the computer checks for this) but yes doing online the tax will go to the address on the V5.
You can tax online, but the disc is sent to the registered keepers address. The system only checks that insurance is in place for that vehicle.
Same as at the Post Office, the insurance certificate doesn't show the address of the policy.
Think of it like this:-
Man and wife own a car, registered to husband.
Husband is banned from driving so the wife insures the car.
V5c would still be in the name of the husband.
Either party would be able to purchase tax.
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