untaxed car

pogofish

anniehanlon wrote: »

As far as i am aware because i have been corrected myselfon the same assumption not having tax does not invalidate insurance or MOT

Check the small print on your policy then - The majority of policies I've held in the last decade have had a requirement for all applicable legal requirements to be in order when using the vehicle on the road (with MOT exemption) It might not affect third party claims but could well cause serious problems with any settlement to yourself.

I might not be concerned about a month or two (people in glass houses etc, from long ago) but seven months over on road tax is stretching it a bit IMO.

derrick

rottertron wrote: »

you can check if they have insurance on this website
www.askmid.com/ownvehicle

From that site; -
"I confirm that the vehicle detailed above is registered, owned or insured by either my employer or myself and is regularly driven by me. I understand it is an offence to wrongfully obtain information of this nature without reasonable cause and if I fail to provide true reasons for acquiring information I may be committing an offence of unlawfully obtaining data contrary to section 55 of the Data Protection Act 1988. I declare that the information provided will not be used for any purposes unrelated to this enquiry. I agree to the terms of use as stated on this web site. "


Use it at your own risk!

vaio

Treadway1 wrote: »

You’re correct. It would only make a difference if, for instance, the car was insured fully comp. and then had an accident. The insurers would just simply refuse to pay out for damages to your vehicle (Assuming you were at fault that is), as you had not complied with the T&C's of the contract. However, you could not be prosecuted for the offence No insurance, as the vehicle would still have the minimum cover required in respect of third party claims. The same goes for MOT, as this is only test the cars roadworthiness at the time of test, and therefore would not be affected by having no tax.

That aside though, and as others have said, it is highly likely that the vehicle is completely uninsured. I'd report it.

pogofish wrote: »

Check the small print on your policy then - The majority of policies I've held in the last decade have had a requirement for all applicable legal requirements to be in order when using the vehicle on the road (with MOT exemption) It might not affect third party claims but could well cause serious problems with any settlement to yourself.

I might not be concerned about a month or two (people in glass houses etc, from long ago) but seven months over on road tax is stretching it a bit IMO.

There are FSA rules about the urban myth of insurance being affected by lack of tax (and/or MOT), might I suggest you search for posts on this matter by raskazz who is an insurance underwriter.

markelock

I'd just mention it in passing to them (assuming they're ok people)

like others have already said, ANPR and the like are more and more prevalent, so even if they shrug it off (and this is assuming they haven't got tax) you could still report them a week or two afterwards.

I would have thought they would have received reminders from DVLA as to their obligations at some point?

there have been other posters on here though, who "forget" or just don't realise their obligations as road users.

pogofish

vaio wrote: »

There are FSA rules about the urban myth of insurance being affected by lack of tax (and/or MOT), might I suggest you search for posts on this matter by raskazz who is an insurance underwriter.

I see no reference to road tax in his posts, only MOTs, which is a different proposition?

Anyway. The law has never been a major impediment to insurers misbehaviour IME.

raskazz

pogofish wrote: »

I see no reference to road tax in his posts, only MOTs, which is a different proposition?

Anyway. The law has never been a major impediment to insurers misbehaviour IME.

I have never seen a single policy which contains a clause relating to tax; even if one were included it would be unenforceable.

Kavanne

scotsman4th wrote: »

So it's uninsured now?

I thought you needed to be taxed to get insurance?

salesadmin

Sounds silly but I drove round for 4 months before my Dad realised I'd forgotten to put my new tax disk on my car. I'd filed it with all the car paperwork.

derrick

Kavanne wrote: »

I thought you needed to be taxed to get insurance?

No, you need to be insured to get the RFL, but having said that, you could stop the insurance once you have the RFL.

xelaine88x

I don't agree with letting people get away with paying tax when the rest of us have to... However, I was selling my car a couple of months ago and had it parked on the street outside my house waiting for the buyer to collect it as arranged. (We don't have private parking) I took the tax disc off the car as i was selling the car without mot or tax (silly to take tax disc off before car was gone i know) and when i went out less than 2 hours later, there was a £60 fixed penalty stuck to my windscreen thanks to a nosy neighbour reporting me!! :mad: Ok so it was my own fault for taking tax disc off car, but sometimes i wish people would mind their own business, its like being under constant surveillance!!