Offset your Road Tax and MOT/Insurance

eschaton

If you manage your finances right then it shouldn't matter when anything is due as the money will be sitting there to pay for it.

Simple really.

b33r

Does anyone else ever have problems with tax renewel falling at the same time as insurance and MOT?

My Mum always does and its very annoying. When she applies online for the tax it says she doesn't have insurance for the period and can't continue, of course she doesn't because it runs out at the end of the month. Even trying right at the end of the month doesn't work.

Insurance company don't send the renewel documents until the beginning of the next month so she always has to drive round for a couple of days without tax until they arrive to do it at the post office.

We rang the DVLA to find a remedy for this situation and they said just tax it for 6 months once and then it'll be fine. Yeh thanks DVLA, her car is £35 a year tax and can't do 6 months tax on that, they had no better ideas when we pointed this out. Guess she could try and shift the insurance by taking a month long policy at some point or something but don't see why we should waste our time and money for a rubbish system.

eschaton

b33r wrote: »

Does anyone else ever have problems with tax renewel falling at the same time as insurance and MOT?

My Mum always does and its very annoying. When she applies online for the tax it says she doesn't have insurance for the period and can't continue, of course she doesn't because it runs out at the end of the month. Even trying right at the end of the month doesn't work.

Insurance company don't send the renewel documents until the beginning of the next month so she always has to drive round for a couple of days without tax until they arrive to do it at the post office.

We rang the DVLA to find a remedy for this situation and they said just tax it for 6 months once and then it'll be fine. Yeh thanks DVLA, her car is £35 a year tax and can't do 6 months tax on that, they had no better ideas when we pointed this out. Guess she could try and shift the insurance by taking a month long policy at some point or something but don't see why we should waste our time and money for a rubbish system.

Total tripe. Tell her to change her insurance company.

socks_uk

b33r wrote: »

Does anyone else ever have problems with tax renewel falling at the same time as insurance and MOT?

My Mum always does and its very annoying. When she applies online for the tax it says she doesn't have insurance for the period and can't continue, of course she doesn't because it runs out at the end of the month. Even trying right at the end of the month doesn't work.

Insurance company don't send the renewel documents until the beginning of the next month so she always has to drive round for a couple of days without tax until they arrive to do it at the post office.

We rang the DVLA to find a remedy for this situation and they said just tax it for 6 months once and then it'll be fine. Yeh thanks DVLA, her car is £35 a year tax and can't do 6 months tax on that, they had no better ideas when we pointed this out. Guess she could try and shift the insurance by taking a month long policy at some point or something but don't see why we should waste our time and money for a rubbish system.

There is one solution but again, it's not 'money saving' and possibly not practical in your mum's situation. You could declare your car SORN for 1 month and find alternative transport. Yes, it would be an inconvenience and you'd lose out on just the one month in car insurance but you wouldn't have the problem in the following years.

Anyone got any other suggestions?

Total tripe. Tell her to change her insurance company.

Maybe I should delete this post if that is the case?

b33r

eschaton wrote: »

Total tripe. Tell her to change her insurance company.

Unfortunately they're the cheapest by quite a way for her so isn't really a fantastic option but we will obv check again come next renewel. So are direct line doing something wrong then? What do other insurance companies do? I never thought of blaming them because I'm not surprised they don't register she has insurance for that period because she doesn't... until she renews.

b33r

socks_uk wrote: »

There is one solution but again, it's not 'money saving' and possibly not practical in your mum's situation. You could declare your car SORN for 1 month and find alternative transport. Yes, it would be an inconvenience and you'd lose out on just the one month in car insurance but you wouldn't have the problem in the following years

Cheers for the suggestion, again though, seems like a lot of hoops to jump through for, as i said before, a rubbish system. Plus she doesn't actually have a drive so we haven't got anywhere to put the car off the road lol.

I don't think she really cares any more, just waits for her renewel docs to arrive then taxes her car, never been caught yet lol and she'd have a fairly decent excuse either way. Police must have heard of this one before.

Boozer

scotsman4th wrote: »

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?

OK so i just read 7 pages of the thread i found and it appears you are correct, altough it does seem a lot more hassle if you are involved in an accident, and on the other case i guess it just removes the offense from it, it is still an offense otherwise to drive without an MOT.

But i did learn something today so thanks.