Car Scrappage Scheme

mcgsp

Thanks for the clarification on MOTs.

I've now found I can get the Hyundai i30 I want if I travel in the scrappage car about 150 miles to get it.

I want it to be registered on 1st September (59 registration) but my scrappage car tax runs out on 31st August. Will I need to get a 6 months' tax disc (my insurance and MOT will still be valid on 1st September)? and then apply for a refund?

superhans

mcgsp wrote: »

Thanks for the clarification on MOTs.

I've now found I can get the Hyundai i30 I want if I travel in the scrappage car about 150 miles to get it.

I want it to be registered on 1st September (59 registration) but my scrappage car tax runs out on 31st August. Will I need to get a 6 months' tax disc (my insurance and MOT will still be valid on 1st September)? and then apply for a refund?

My MOT expires on 30th of September, I will just take car to dealer on the 29th of Sept, whether my new car has arrived or not, with your tax problem, you could park it off the road for 1 day as you get 2 weeks grace to get your car taxed so long as it isn't on the road, as DVLA will come looking for your car at your home address as soon as the tax expires.

mcgsp

The problem is that I expect to drive the car, with the tax expiring on 31st August, to the dealer on the 1st of September as that is the easiest way for me to get to the dealer's which is about 150 miles from my home.

Renewing the tax on the scrappage car and then getting a refund for the unexpired part of it is probably the cheapest way for me to get to the dealer. That would be cheaper and quicker than travelling by public transport or going to the dealer's the night before with the car and booking in somewhere.

I'm really just trying to see if I could drive the car on the 1st September with a tax disc which expired on 31st August. I suspect the answer is "no" as, the more I look at it, it seems there is no "grace" period if you actually drive the car even for only one day after the tax disc expires?

jansus

mcgsp wrote: »

The problem is that I expect to drive the car, with the tax expiring on 31st August, to the dealer on the 1st of September as that is the easiest way for me to get to the dealer's which is about 150 miles from my home.

Renewing the tax on the scrappage car and then getting a refund for the unexpired part of it is probably the cheapest way for me to get to the dealer. That would be cheaper and quicker than travelling by public transport or going to the dealer's the night before with the car and booking in somewhere.

I'm really just trying to see if I could drive the car on the 1st September with a tax disc which expired on 31st August. I suspect the answer is "no" as, the more I look at it, it seems there is no "grace" period if you actually drive the car even for only one day after the tax disc expires?

think i would be inclined to tax it and reclaim wouldn't want to get there to have your car rejected because it's not taxed

hethmar

Your car doesnt have to be taxed at the time of the scrapping, just at the time of the order being made. I sent a scan of our tax, MOT and insurance which were all valid at the time of the order to the dealer which was sufficient. However, LEGALLY, if you are travelling on a road to collect the new one (see if they will deliver) you will need valid tax disc.

hethmar

Just had an email from the dealer showing that our Golf Plus was put on a ship on 17 August. Oh, its all a bit scary and exciting isnt it. Hope it all goes according to plan.

jansus

hethmar wrote: »

Just had an email from the dealer showing that our Golf Plus was put on a ship on 17 August. Oh, its all a bit scary and exciting isnt it. Hope it all goes according to plan.

mine was supposed to arrive at the docks today, don't know how long it takes from dockside to dealer, dealer says he didn't know depends how quickly he gets the chassis number, first week in september will do for me, although i am jealously eyeing up every new car i see

theworldsgonemad

My daughter has bought under the scrappage scheme and they are trying to get her to have GAP insurance. I sort of know the ins and outs of this insurance but have come to a dead end when it comes to the scrappage scheme. For example, 'back to invoice GAP insurance'. Will this make any payout amount up to the original invoice price BEFORE scrappage or what she actually paid AFTER the £2000 allowance?

The dealer seems a bit vague in his answer to this question to me.

Thanks for any help on this guys.

jb66

theworldsgonemad wrote: »

My daughter has bought under the scrappage scheme and they are trying to get her to have GAP insurance. I sort of know the ins and outs of this insurance but have come to a dead end when it comes to the scrappage scheme. For example, 'back to invoice GAP insurance'. Will this make any payout amount up to the original invoice price BEFORE scrappage or what she actually paid AFTER the £2000 allowance?

The dealer seems a bit vague in his answer to this question to me.

Thanks for any help on this guys.

Most Insurance companies in the first year of a car being registered offer this as standard (i know Tesco do) , i.e new for new. I decided to opt out of this "insurance"

hethmar

There is a thread on here about GAP insurance. Basically dont take the dealers offer as it appears most charge about double of the normal cost! And there is a policy for the full new valuation of the car if its a write off.

Whilst on here, my new car should be delivered first week September and my AA membership runs out 31 August. Am I right in thinking (never had a brand new car before) that dealers like VW give a comprehensive recovery policy with a new car anyway for a year?


I had a quick look for you re the GAP insurance debate and found this on the boards here:



Question: If the £7,500 car is written off at any time in the next three years will your motor insurance pay you less than £7,500 as a write-off value for the car?

Answer: Yes.

Question: Will the difference between the motor insurance payout and the original £7,500 be greater than £154?

Answer: Almost certainly yes.

Conclusion: It would be worthwhile, in my opinion, considering investing £154 in Invoice GAP Insurance. By the same token if the car is brand new and you are the first registered keeper it may be worthwhile considering purchasing Replacement GAP Insurance as this would cover you to the full replacement price - which you have highlighted in your post as currently being £8995.

For your info, www.surfandprotect.com's Invoice GAP policy (underwritten by Norwich Union) for a £7500 car is £145 (Replacement GAP = £202) for three years cover.

As a final note worth pointing out for anyone considering GAP Insurance, if the car being covered is brand new, many Motor Insurance Companies provide a New for Old replacement scheme within the first 12 months. For almost all GAP Insurance policies if the vehicle is changed during cover for any reason the remaining term of the GAP policy is forfeited.

However, the Replacement GAP Insurance policies sold on the website I mention above are different in so much that if the vehicle is replaced under the New for Old scheme of your Motor Insurance, the remaining term of the GAP policy will be transferred to your new car.

If you're buying a new car it's worth checking with your Motor Insurance to see about any New for Old scheme they may offer, and if you're being offered/pressured in to GAP insurance by your motor dealer ask him what happens to the GAP policy if your Insurance company replace the car New for Old during the cover period. Whatever answer he gives you I'd double check the terms of the GAP Policy first because 9 times out of 10 you'd lose the remaining term of your GAP Insurance policy.