Taxing a car for sale with no insurance

emmell

sunday_girl wrote: »

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?

The V5 will be retained by the post office and would be returned to the trader in his name.
ML.

dacouch

BFG wrote: »

The 'you're allowed to drive another car [even if car is not insured] on your own cover' Regulations 2004.

So which law is this as I have never heard of it...

If such a law existed how come some Insurers do not offer the driving other cars for any of their policyholders eg 1st Central, virtually all Insurers do not offer it to drivers under 25 and most exclude it for certain occupations eg motor traders. Are you saying these Insurers are all breaking this EU law...

Wig

Quentin wrote: »

You can avoid paying for temporary insurance.

Take out a policy with RAC. Get the certificate.

Tax the car.

Then cancel the policy. RAC allow you to cancel within 14 days without penalty (as long as you haven't made a claim).

So do 90% ish of all insurers, (it's the law), the remaining 10% or so charge an admin fee (which may not be legal - I dunno)

Wig

vikingaero wrote: »

A lot of misconceptions about driving a car with/without insurance.

You CAN drive a car without insurance in it's own right using your driving other cars extension. It seems to me that the OP drove the car from home to a MOT station - the vehicle is going from an off road position at home to another off road position at the MOT station. That is fine.

The problem with driving an uninsured car using the "driving other cars" extension arises if the car is left alone on a highway or other public place. As soon as the driver leaves the car (say to visit a cashpoint) then it automatically becomes uninsured and is liable to seizure.

Under what law?

dacouch

To clarify for some of the people that most companies do not require the car you are driving under the driving other cars extension to have it's own cover. Here are two examples of the relevant wordings, one from a company that does not require the other car to have it's own Insurance and one from a company that does.

Direct Line's wording that does not require it

"1b Driving other cars
If your certificate of motor insurance says so, this policy
provides the same cover as above in 1a when you are driving any other
motor car as long as you do not own it and it is not hired to you under
a hire-purchase or leasing agreement. This cover only applies if:
• there is no other insurance in force which covers the same liability;
• you have the owner’s permission to drive the car;
• the car is registered in and being driven in Great Britain, Northern
Ireland, the Republic of Ireland, the Isle of Man or the Channel
Islands; and • you still have your car and it has not been damaged beyond
cost-effective repair.
Note – There is no cover under clause 1b for damage, fire or theft to
the car you are driving"

http://www.directline.com/motor/car_policy_document_m6b.pdf (Page 16)

Chaucer's Policy which does require the other vehicle to be insured

"Driving other cars
What we cover
We may extend section 1 to cover you while you are driving a motor car you do not own (with the
owner’s permission), or have not hired or leased, as long as you are not covered by any other
insurance. This cover only applies in the United Kingdom. You should consult your certificate and
schedule to see whether you have this extension.
What we do not cover
a Any loss or damage to the vehicle you do not own.
b Any accident which happens outside the United Kingdom.
c Any accident which happens when this insurance is not in the name of one person.
d Any liability if you no longer have possession of your car, if it has been damaged so much
that it is not worth repairing, or if it has been stolen.
e Any liability under this insurance if the owner or keeper of the motor car you are driving has
not arranged his or her own insurance on the motor car to cover his or her liability to others."

http://www.chaucer-insurance.co.uk/chaucerinsurance/products/automarque/ (Page 9).

You can check the wording with the Insurer you are with by looking at their policy wording under the "Liability to Others" section which will have a section on driving other cars.

Do not just assume you are covered to drive other cars, if you are covered for it then it will be shown on your Certificate of Insurance normally in the section where it confirms who is covered to drive the vehicle covered by the policy

raskazz

Wig wrote: »

Under what law?

s.165 of the RTA

raskazz

Wig wrote: »

So do 90% ish of all insurers, (it's the law), the remaining 10% or so charge an admin fee (which may not be legal - I dunno)

Admin fees for cancellation under cooling-off rights are perfectly legal as long as they are proportionate to the costs incurred by the insurer - FSA ICOBS 7.2.3.

Wig

raskazz wrote: »

s.165 of the RTA

Which says the car must be being driven - without insurance/licence - which brings us right back to the beggining, but certainly does not apply to a parked car.

Premier_2

raskazz wrote: »

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.

Great Yarmouth Borough Council, being an example of a local authority, appears to purchase motor insurance.
http://www.great-yarmouth.gov.uk/advice-benefits/legal-advice/council-insurance-claims.htm

I used to work for an organisation that used to claim they were self insured ... but they still held third party only cover through a recognised insurance company.

Edit: it looks like linconshire police authority insure on a similar basis to the organisation I referred to earlier:

3.8. All insurance matters relating to motor vehicle accidents are processed by TransLinc on behalf of the Authority. Insurance cover is provided for damage to third parties. The Authority is self-insured in respect of accidental damage to police vehicles as the premiums for comprehensive insurance would be far in excess of the cost of repairs.

http://www.lincolnshire-pa.gov.uk/downloads/library/3460.pdf

What was that you said? "Somewhat ridiculous" ? :cool:

mrbadexample

bryanb wrote: »

Fire engines?

I would think that's a vehicle in the public service of the Crown.