Offset your Road Tax and MOT/Insurance

Strider590

Ok, I do this too.... But let me put this one across ya'll.

Your tax and MOT are 6 months apart, your MOT could expire without your knowledge because nobody actually warns you (unlike the TAX), so your then driving around with NO valid insurance until you realise your MOT was up......

socks_uk

kaya wrote: »

this thread should be renamed "stating the obvious for daft people"

I won't take offence at your comment but there are people new to driving that maybe didn't have their dad to give them this advice like I did. I have passed the same advice to my daughter although with her Smart car costing next to nothing to tax it's advice she won't need until she has a car that isn't as cheap to tax.

I guess If I've helped anyone with this tip they will let us know about it.

socks_uk

Strider590 wrote: »

Ok, I do this too.... But let me put this one across ya'll.

Your tax and MOT are 6 months apart, your MOT could expire without your knowledge because nobody actually warns you (unlike the TAX), so your then driving around with NO valid insurance until you realise your MOT was up......

Yes I quite agree, you have to keep on top of things but your MOT usually keeps in step with your insurance. I generally book my MOT when my insurance renewal comes in.

VoucherMan

So what does everyone do with their existing insurance policy when changing cars?

When I bought my last car I got 6 month tax with it & 12 months MOT.

My insurance policy from my previous car still had about 6 weeks left on it. When I contacted the insurers they transferred the policy to my new car FOC even though the renewal premium was higher for the new car.

I know this isn't always possible, especially after insurance claims, and sometimes the fees charged make it uneconomical, but I can't remember the last time I took out a new policy at the same time as I bought a car. So my bills have nearly always been offset .

And yes I was my usual loyal self at renewal time. I went on a comparison site & changed insurers

PasturesNew

The worst one I had was when my insurance/tax/MoT were all due in April, along with the council tax. I always liked to pay things up front in full, in case I had a change of circumstances across the year, it'd mean I didn't have to worry about those things. That meant though that in April, along with the mortgage, I was having to find £2000 for the mortgage/car stuff/usual bills on direct debit.

Rolandtheroadie

Strider590 wrote: »

Ok, I do this too.... But let me put this one across ya'll.

Your tax and MOT are 6 months apart, your MOT could expire without your knowledge because nobody actually warns you (unlike the TAX), so your then driving around with NO valid insurance until you realise your MOT was up......

Common misconception. No MOT does not invalidate your insurance.

Kilty_2

MOT falls in line with servicing and I'd never forget to have my car serviced.....

ktuludays

kaya wrote: »

this thread should be renamed "stating the obvious for daft people"

i agree with ^^^^

Boozer

scotsman4th wrote: »

Common misconception. No MOT does not invalidate your insurance.

Do you have proof of this please??if you have no MOT, then your car is considered unfit for the road, if i crash it then i am sure the insurance company will use this as a reason not to pay out, and i would not expect them to either.

Rolandtheroadie

Boozer wrote: »

Do you have proof of this please??if you have no MOT, then your car is considered unfit for the road, if i crash it then i am sure the insurance company will use this as a reason not to pay out, and i would not expect them to either.

Do you have proof it does?

Search the forums for "No MOT invalidates insurance " it's been covered before.

Finally, how are you able to drive to a pre-booked MOT if your insurance is invalid due to an expired MOT?