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  • FIRST POST
    • JohnB47
    • By JohnB47 11th Sep 17, 6:44 PM
    • 869Posts
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    JohnB47
    General advice when buying another car
    • #1
    • 11th Sep 17, 6:44 PM
    General advice when buying another car 11th Sep 17 at 6:44 PM
    Hi.

    It's been so long since I'd bought a car (over 10 years) that I thought I'd make sure I know all of the ins and outs. This will be a second hand car (never bought new) to replace my old jalopy.

    I'm thinking mainly about processes - eg changing over insurance and car tax. Although any advice on selecting and buying would be welcome too.

    OK, thoughts on insurance - eg do I wait 'till I've agreed a purchase then agree a date, then call my insurance co to change over the policy on that date?

    Car tax. I understand that it doesn't transfer now. So how do I arrange things to be able to drive the car away after purchase. Can I get a refund on unused tax on my current car?

    Any other things to think about? THings that a dealer might try on - finance (not interested). Pitfalls?

    Hopefully you can see what I might need to know.

    Thanks.
Page 1
    • AdrianC
    • By AdrianC 11th Sep 17, 7:03 PM
    • 15,045 Posts
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    AdrianC
    • #2
    • 11th Sep 17, 7:03 PM
    • #2
    • 11th Sep 17, 7:03 PM
    OK, thoughts on insurance - eg do I wait 'till I've agreed a purchase then agree a date, then call my insurance co to change over the policy on that date?
    Originally posted by JohnB47
    Get quotes beforehand. It may be cheaper to cancel the old policy and take out a new one. If you're changing the existing policy and you'll be selling the old one separately, ask your insurer about keeping both on-risk for a short overlap.

    Car tax. I understand that it doesn't transfer now.
    Correct - any car you buy is untaxed.

    So how do I arrange things to be able to drive the car away after purchase.
    https://vehicletax.service.gov.uk/ using the number from the V5C/2 new keeper slip. So long as you do it in a reasonably timely manner (within a day or so), you'll be fine - no need to do it before driving home.

    Can I get a refund on unused tax on my current car?
    It's generated automatically from sending the V5C back with the new keeper's details.
    • Aylesbury Duck
    • By Aylesbury Duck 11th Sep 17, 7:07 PM
    • 1,040 Posts
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    Aylesbury Duck
    • #3
    • 11th Sep 17, 7:07 PM
    • #3
    • 11th Sep 17, 7:07 PM
    On the tax, you get complete calendar months' tax refunded so you can "save" an (admittedly small) amount by sending it just before month-end rather than just after.
    • glentoran99
    • By glentoran99 11th Sep 17, 7:09 PM
    • 4,589 Posts
    • 3,556 Thanks
    glentoran99
    • #4
    • 11th Sep 17, 7:09 PM
    • #4
    • 11th Sep 17, 7:09 PM
    On the tax, you get complete calendar months' tax refunded so you can "save" an (admittedly small) amount by sending it just before month-end rather than just after.
    Originally posted by Aylesbury Duck
    You don't send it off anymore sure, and if he swaps cars at the end of the month he'll have to pay for the full month previous for the new car, its a money making scam
    • izzy65
    • By izzy65 11th Sep 17, 7:10 PM
    • 2,487 Posts
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    izzy65
    • #5
    • 11th Sep 17, 7:10 PM
    • #5
    • 11th Sep 17, 7:10 PM
    Hi, re tax your correct cannot transfer so I would
    1 sorn current car before midnight on last day of the month, do it online as only complete months will be refunded
    2 tax new car on the first of the month, I arrange for insurance to start at 00.01 on the first of the month.
    To do this you will need the c2? Part of the v5, may mean buying the car but not driving it until the 1st

    I even sold a car in the third week of the month and kept it until the first so the lad wasn't out of pocket unnecessarily

    To be honest it's a bit of a minefield, as you stated tax is not transferable but also think that the rules about sorn and insurance are complicated, worth checking the .gov site for dvla
    The person who never makes a mistake never learns anything.
    • izzy65
    • By izzy65 11th Sep 17, 7:16 PM
    • 2,487 Posts
    • 41,099 Thanks
    izzy65
    • #6
    • 11th Sep 17, 7:16 PM
    • #6
    • 11th Sep 17, 7:16 PM
    Get quotes beforehand. It may be cheaper to cancel the old policy and take out a new one. If you're changing the existing policy and you'll be selling the old one separately, ask your insurer about keeping both on-risk for a short overlap.



    Correct - any car you buy is untaxed.



    https://vehicletax.service.gov.uk/ using the number from the V5C/2 new keeper slip. So long as you do it in a reasonably timely manner (within a day or so), you'll be fine - no need to do it before driving home.



    It's generated automatically from sending the V5C back with the new keeper's details.
    Originally posted by AdrianC
    Adrian c, I have much respect for your advise but, I do know of one friend who bought a car , even arranged the insurance at the purchase, the beauty of mobile phones, he was stopped that night and the over zealous traffic officer charged him with no insurance as it was not valid on an untaxed car, I admit probably a one off, and he was "known" as a bad boy in his youth.
    The person who never makes a mistake never learns anything.
    • AdrianC
    • By AdrianC 11th Sep 17, 7:21 PM
    • 15,045 Posts
    • 13,368 Thanks
    AdrianC
    • #7
    • 11th Sep 17, 7:21 PM
    • #7
    • 11th Sep 17, 7:21 PM
    ...I do know of one friend who bought a car , even arranged the insurance at the purchase, the beauty of mobile phones, he was stopped that night and the over zealous traffic officer charged him with no insurance as it was not valid on an untaxed car...
    Originally posted by izzy65
    That sounds like even more of an urban myth than the usual "no mot, no insurance" line...
    • izzy65
    • By izzy65 11th Sep 17, 7:52 PM
    • 2,487 Posts
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    izzy65
    • #8
    • 11th Sep 17, 7:52 PM
    • #8
    • 11th Sep 17, 7:52 PM
    That sounds like even more of an urban myth than the usual "no mot, no insurance" line...
    Originally posted by AdrianC
    I would agree, but this person was known to the traffic police locally, not a big town, they new him by name, and as he was one of the boy racers they would of charged him with too much hair gel if they could.
    The person who never makes a mistake never learns anything.
    • AdrianC
    • By AdrianC 11th Sep 17, 8:02 PM
    • 15,045 Posts
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    AdrianC
    • #9
    • 11th Sep 17, 8:02 PM
    • #9
    • 11th Sep 17, 8:02 PM
    I would agree, but this person was known to the traffic police locally, not a big town, they new him by name, and as he was one of the boy racers they would of charged him with too much hair gel if they could.
    Originally posted by izzy65
    That does more to confirm, not allay, my scepticism - I strongly suspect that he was actually nicked for far more real reasons...
    • izzy65
    • By izzy65 11th Sep 17, 8:05 PM
    • 2,487 Posts
    • 41,099 Thanks
    izzy65
    That does more to confirm, not allay, my scepticism - I strongly suspect that he was actually nicked for far more real reasons...
    Originally posted by AdrianC
    You could be right, he was not the best of character
    The person who never makes a mistake never learns anything.
    • wgl2014
    • By wgl2014 11th Sep 17, 11:31 PM
    • 269 Posts
    • 145 Thanks
    wgl2014
    Road tax (or lack of) does nothing to invalidate an otherwise OK insurance policy.
    • JohnB47
    • By JohnB47 12th Sep 17, 9:15 AM
    • 869 Posts
    • 279 Thanks
    JohnB47
    Thanks everyone. All good stuff.
    • SteveJW
    • By SteveJW 12th Sep 17, 10:33 AM
    • 473 Posts
    • 286 Thanks
    SteveJW
    I recently purchased a new car (second hand) first time from a dealer
    I arranged for an overlap of one day on the insurance
    When I picked up the car the dealer went on line and taxed the car from that date, using my card details and made a change of keeper
    My insurers (Saga) did not make a charge for issuing new documents, I had to pay the increased premium
    A few weeks later I decided to put on a personalised registretion No, again Saga made no charge for re-issuing doocuments
    • JohnB47
    • By JohnB47 13th Sep 17, 6:13 PM
    • 869 Posts
    • 279 Thanks
    JohnB47
    Just re-read AdrianC's post and he suggested getting 'a few quotes' before continuing with the current insurer. So does this mean that I can ask for quotes on a car that I'm thinking of buying - I just need to supply the Reg number and value?
    • BeenThroughItAll
    • By BeenThroughItAll 13th Sep 17, 6:17 PM
    • 4,406 Posts
    • 3,775 Thanks
    BeenThroughItAll
    Just re-read AdrianC's post and he suggested getting 'a few quotes' before continuing with the current insurer. So does this mean that I can ask for quotes on a car that I'm thinking of buying - I just need to supply the Reg number and value?
    Originally posted by JohnB47
    Yes.

    .........
    • AdrianC
    • By AdrianC 13th Sep 17, 6:21 PM
    • 15,045 Posts
    • 13,368 Thanks
    AdrianC
    Just re-read AdrianC's post and he suggested getting 'a few quotes' before continuing with the current insurer. So does this mean that I can ask for quotes on a car that I'm thinking of buying - I just need to supply the Reg number and value?
    Originally posted by JohnB47
    You don't even need to supply a registration. You can just tell any passing Meerkat what the car is.
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