Car tax due.....can i be a week late

Debt_Free_Chick

lin473 wrote:

My son got an on the spot fine even though he had paid his car tax - because he had
forgotten to replace the old disc with the new one.
The old disc was only a few days out of date and he could prove he had paid his tax in time,but it made no difference.
An expensive lesson for him.
I would rather not risk it even if it means borrowing the money to pay on time.

I'm afraid he was caught by the "failure to display a valid tax disc" - it's not enough to have a disc ... it must be displayed on the vehicle.

(I've obviously not been clear in my previous posts - this is why you are not covered by being 2 weeks or even 2 days late. You can and might be done for failure to display!)

Cheers

impy78

Wig wrote:

This is rubbish, **unless** it specifically states it within your insurance policy.

Which it will do in Most insurance policies. One of the regular conditions listed in policies is that the car is roadworthy.

The insurers regard no tax as the vehicle being unroadworthy - honest!
I have had this debate with so many clients who have called in when they have been fined for driving without insurance because they have no tax disc.

They ask us for proof of insurance, but we have to refuse on the grounds that the car was not legally allowed to be driven on the road.

Yes, we would pay out a third party...even if you decide to drive uninsured on purpose, your last insurer could still be held liable for the cost of repairs to a third party.

However, your insurance is void if you drive without tax.

chas1937

Hi ysokint,
They dont sell tax stamps anymore but you can buy £5 saving stamps at PO and thats what I use and as I dont like to hand over £170 for a disc its easier on my mind saving for it that way

zappahey

impy78 wrote:

Which it will do in Most insurance policies. One of the regular conditions listed in policies is that the car is roadworthy.

Can you provide an actual, real life example of anyone being prosecuted for driving without insurance, solely because the vehicle was untaxed or, of a claim being refused solely because a vehicle was untaxed?

derrick

Ring this number 0800 3898787 and listen to the message after they ask you to press the star key and you do so

Wig

derrick wrote:

Ring this number 0800 3898787 and listen to the message after they ask you to press the star key and you do so

Is that the DVLA? and a message about the 14 days?

If you speak to real person they will tell you it's ok within the first month.

derrick

Wig wrote:

Is that the DVLA? and a message about the 14 days?

If you speak to real person they will tell you it's ok within the first month.

It is,however I would not want to risk any days because as has been mentioned, if you use your car on the road without a valid tax disc, that is a separate offence and will cost you a fine if caught.

Wig

derrick wrote:

It is,however I would not want to risk any days because as has been mentioned, if you use your car on the road without a valid tax disc, that is a separate offence and will cost you a fine if caught.

There would be no point in doing this, because you'd not be saving any money. It is merely being pointed out to people who are waiting for an MOT to get passed or who have forgotton to re-tax so they don't panic. It has been pointed out lots of times that this does not mean you can have your car on the highway. The sooner we get rid of the VED the better!

fannyadams

Debt_Free_Chick wrote:

Yes, you need the new computerised MOT certificate.

But it takes 5 working days to get a tax disc, if you do it online. It would be far quicker to get one over the counter at the Post Office.

Regards

So, from debt free chick's post it looks like you *could* have 5 days 'grace'? and use the age old line "the tax is in the post".
mined ewe I wouldn't chance it - I used to get pulled over lots of times when I'm on my 'bike coz I don't display my disc - "*lovely* people who must really need the tax disc more then I need the money to replace it" take them.
Now the local plod leave me alone it must be down to the the new DVLA computer system they have. The advert suggests 'they' now only need to check my number plate to see if the tax is still current.

impy78

zappahey wrote:

Can you provide an actual, real life example of anyone being prosecuted for driving without insurance, solely because the vehicle was untaxed or, of a claim being refused solely because a vehicle was untaxed?

Sadly, no as I would be breaching the data protection act..

But I can answer the question - Insurer refusing to payout ...this happens all the time, but they will still pay out to third parties.

As for people being prosectued, I have come accross this only once in three years - I think you would have to be very unlucky to get a traffic cop who was THAT pedantic. they will do you for tax and give you a rap over the knuckles about the insurance, but in theory, they COULD prosecute.