Taxing a newly bought car

tinkerbell84

DCFC79 wrote: »

i spend my time making sure i renew my tax and have renewed my insurance so i am legally able to drive, man didnt think of not paying for the car tax, you wasn't aware you wouldnt be able to get the tax with no insurance docs and it was illegal to drive it home with no tax, what were you thinking,

OP have you tried doing it online,

they can't do it online - they are not the registered keeper yet!

Wig

credit_crunch_victim wrote: »

so if the op had an accident there insurance company will pay out will they

It would be considered in the same way as though the car was taxed and MOTd, they would pay out -or not- according to the relevant circumstances surrounding the case. MOT cert & tax disc would not be relevant and would not affect the claim.

With the exception that no MOT would lower the value of the OP's car so any payout on a total loss could be lower than expected.

credit_crunch_victim

Wig wrote: »

It would be considered in the same way as though the car was taxed and MOTd, they would pay out -or not- according to the relevant circumstances surrounding the case. MOT cert & tax disc would not be relevant and would not affect the claim.

With the exception that no MOT would lower the value of the OP's car so any payout on a total loss could be lower than expected.

do you work in insurance as a car with no mot should not be on the road full stop
they will not pay out if there is any way they can avoid it next you will be saying that you don't have to declare points that you get through the year untill your renewal

McKneff

Wig wrote: »

Not that I agree with you that the consequences to the driver would be significantly more serious if the car was untaxed as opposed to taxed - I don't agree actually.

But to get back on topic you said
"not half as angry as some mother/father would be if you ran over their kids in an untaxed car"

#We are wondering, why the anger of the parents of the knocked down children would be in any way related to the fact that the car was untaxed?

You then wrote
"Of course it wouldnt save them, but it would save a lot of heartache if the op had some forethought about what she is doing and what could happen."

And we wonder why having no tax disc could affect the way the OP drives their car, if anything it would make the OP more cautious.
Or if you are again referring to the parents not the driver, then my comment above marked with # is asked again.

because if a driver who was stujpid enough to be on the road illegally and knocked my child over i would do time for what i would do to them.
There it is, i hav said my piece and we have deviated from the original post and so will withdraw gracefully

jammin_2

anniehanlon wrote: »

because if a driver who was stujpid enough to be on the road illegally and knocked my child over i would do time for what i would do to them.
There it is, i hav said my piece and we have deviated from the original post and so will withdraw gracefully

Right so, just to confirm, a driver knocks down your child and you're going after him because he didn't pay his road tax?

MX5huggy

credit_crunch_victim wrote: »

do you work in insurance as a car with no mot should not be on the road full stop
they will not pay out if there is any way they can avoid it next you will be saying that you don't have to declare points that you get through the year untill your renewal

Not true, how do you get a car with out an MOT to a test station? You have to insure it.

Remember this child that is getting knocked down would be safe if the driver had spent 10 mins queing in a post office as they would be 10 mins later passing the accident point. The problem is there may be second child killed by the now taxed driver who would have been safe.

jammin_2

credit_crunch_victim wrote: »

do you work in insurance as a car with no mot should not be on the road full stop
they will not pay out if there is any way they can avoid it next you will be saying that you don't have to declare points that you get through the year untill your renewal

*gets popcorn*

credit_crunch_victim

MX5huggy wrote: »

Not true, how do you get a car with out an MOT to a test station? You have to insure it

the mot HAS to be pre booked that means you cant go christmas shopping and pick up your oh on the way

harveybobbles

http://www.arcn37.dsl.pipex.com/text/magic.html

Go to line 38...

Wig

credit_crunch_victim wrote: »

do you work in insurance as a car with no mot should not be on the road full stop
they will not pay out if there is any way they can avoid it next you will be saying that you don't have to declare points that you get through the year untill your renewal

No, the next thing I will say is that lack of MOT and or tax does not allow them to avoid paying out. Of course they latch on to anything that will *allow* them to avoid payment, hence, they will use the lack of MOT to affect the value of the car in a total loss claim. The FSA rules will not allow them to avoid a claim just because the car did not have in relation to it, a certain piece of paper with some fancy ink patterns and a few dates on it.

No I don't work in insurance, but others here do, and we have been through all this before, and the FSA rules have been posted in threads to prove this is the way things are.