Taxing a car for sale with no insurance

Premier_2

Could I suggest, rather than this thread becoming an "I'm right, you're wrong" bickering thread, someone would care to post an authoritative link to the definitive answer?

jamesdrew

The only person who can legaly drive the car is a motor trader with trade plates. You need tax to insure it and you need insurance to drive it or for anyoner else to drive it for that matter. Problem selling it, go to ebay and you can sell it on there, state that it has no tax or insurance, if someone wants to test drive it then they can't until they buy it, then it is no longer your problem.

Premier_2

jamesdrew wrote: »

...You need tax to insure it ...

No, you need insurance to tax it. No tax is required to insure a vehicle.

sunday_girl

gaz_jones wrote: »

Do you perhaps know a car salesman that could get the tax for you on his trade insurance?

Thanks for the input everyone - didn't realise the thread would cause such debate! I do know someone with trade insurance - would this be possible? Does it matter who the car is registered to on the log book for this?

mrbadexample

bryanb wrote: »

You cannot EVER drive an uninsured car on public roads. Not even 3rd party on another car's insurance.

Except, of course, when any of the following exceptions apply:

• Invalid Carriages ( not exceeding 254 kg unladen ). • A vehicle owned and driven under the control of a person who has deposited £500,000 with the Supreme Court. • Vehicles owned by local authorities and driven under their control. • Vehicles owned by police authorities and driven under their control. • Any vehicle used for police purposes driven by or under the direction of a constable. • Salvage vehicles under Merchant Shipping Act 1894. • Vehicles requisitioned by the armed forces. • Vehicles owned by a health service body and driven under their control. • An ambulance owned by a National Health Service trust and driven under their control. • Vehicles made available to persons or groups by the Secretary of State for Health. • Vehicles and persons in the public service of the Crown. • Vehicles of visiting Armed Forces and driven under their control.

mrbadexample

You need to check the wording on your policy. Most will say something along the lines of "vehicle not owned by, or hired or leased to" you, so if you own the other car you wouldn't normally be covered.

Some policies state the vehicle must be insured in it's own right, but not all. My previous policies didn't, but my current policy does. It would appear that they're starting to clamp down on it - not surprising considering the amount of abuse it gets.

Chippy_Minton_2

jonathon wrote: »

also you wont be on the insurance database so if you get stopped there is a good chance your car will be impounded most police dont give 7 days to produce anymore.

They don't have to now as all enquiries must be done before the vehicle is siezed. If you drive on your third party make sure you can and remember your reg number.

bryanb

mrbadexample wrote: »

Except, of course, when any of the following exceptions apply:

• Invalid Carriages ( not exceeding 254 kg unladen ). • A vehicle owned and driven under the control of a person who has deposited £500,000 with the Supreme Court. • Vehicles owned by local authorities and driven under their control. • Vehicles owned by police authorities and driven under their control. • Any vehicle used for police purposes driven by or under the direction of a constable. • Salvage vehicles under Merchant Shipping Act 1894. • Vehicles requisitioned by the armed forces. • Vehicles owned by a health service body and driven under their control. • An ambulance owned by a National Health Service trust and driven under their control. • Vehicles made available to persons or groups by the Secretary of State for Health. • Vehicles and persons in the public service of the Crown. • Vehicles of visiting Armed Forces and driven under their control.

Fire engines?

Premier_2

mrbadexample wrote: »

Except, of course, when any of the following exceptions apply:

1. • Invalid Carriages ( not exceeding 254 kg unladen ).
   • A vehicle owned and driven under the control of a person who has deposited £500,000 with the Supreme Court.
   • Vehicles owned by local authorities and driven under their control.
   • Vehicles owned by police authorities and driven under their control.
   • Any vehicle used for police purposes driven by or under the direction of a constable.
   • Salvage vehicles under Merchant Shipping Act 1894.
   • Vehicles requisitioned by the armed forces.
   • Vehicles owned by a health service body and driven under their control.
   • An ambulance owned by a National Health Service trust and driven under their control.
   • Vehicles made available to persons or groups by the Secretary of State for Health.
   • Vehicles and persons in the public service of the Crown.
   • Vehicles of visiting Armed Forces and driven under their control.

Are you suggesting local authorities, police & ambulance vehicles are all driving around uninsured?

raskazz

Premier wrote: »

Are you suggesting local authorities, police & ambulance vehicles are all driving around uninsured?

They are insured, but they are self-insured. It would be somewhat ridiculous for the Government to insist on the purchase of insurance for such vehicles from the private sector as they are clearly able to satisfy any claims which are made against them.

I'm not sure whether they still do, but BT used to self-insure its fleet by depositing the security with the Accountant General and setting aside sums to cover accidents.