Am I insured if my Registration plate has changed but my insurance does not know?

m33r4

I filled in the DVLA forms to transfer my private plate over to my uncle a couple of weeks ago. Last Friday DVLA wrote back to me to confirm they have accepted this transfer and sent me a new tax disc with my new registration number + new MoT again with my new registration number. I have put the new plates on my car this afternoon. I phoned my insurance company to let them know of the change but being a Sunday, the company was closed at 4pm and won't open again till 8am tomorrow morning. I have to get out of the house for the school run and work by 7.45am tomorrow.

My question is: Am I insured to drive with the new registration plate (albeit DVLA has issued them to me and I am no longer the owner of the registration number that my insurance company has on record for me)?

Gloomendoom

I suspect the chances of getting caught are slim. I wouldn't risk it though. It would probably be a pain to do all the explaining.

Incidentally, you don't own the registration number, the Secretary of State does.

m33r4

Gloomendoom wrote: »

....Incidentally, you don't own the registration number, the Secretary of State does.

Lol..yes how right you are!

anewman

Gloomendoom wrote: »

Incidentally, you don't own the registration number, the Secretary of State does.

Don't suppose he can return the money then? :money::beer::j

Mankysteve

They'll be something in the term and condition of your insurance about it. You drive past a police car with one of those camera things, no insurance matched to plate, off off to the pound.

Wig

I think you'll be ok Take the letter from the DVLA with you and the new V5. You and your car are insured, all that is needed is a change of recorded details. Easily explained to plod with the letter to show them.

Strider590

Strictly speaking, your insurance could claim you've modified the car.....

Car's with private plates are probably proportionally more likely to be vandalised and/or involved in an accident.

Number of private plates v's number of incidents = ? %
Number of non-private v's number of incidents = ? %

At a guess, as over inflated self importance rises, so does the likely hood of having an accident....

I don't agree that you can judge people quite so simply and im not making any sort of generalisation, but insurance companies do!!

In fact... Im reading an article right now that states exactly the above.

Lum

When you change over plates there is a brief period of time when the car is valid on both sets of plates.

Just cable tie the old plates over the top of the new ones, put the old tax disc in your windscreen, drive into work, phone your insurance and then remove the old plates.

I realise this is too late, but maybe useful for someone else to know if this thread turns up on a search.

anewman

Lum wrote: »

Just cable tie the old plates over the top of the new ones, put the old tax disc in your windscreen, drive into work, phone your insurance and then remove the old plates.

So long as people nick plates to steal petrol/get away with speeding fines, I'd like to advise against this as it may attract attention from the police. I believe the law is that a plate must be permanently fixed or something along those lines.

Lum

I'd be more concerned by ANPR than proper police personally. Never known anyone to get hassled for temporary plates so long as you don't take the P and leave them on for ages.

Personally I would have delayed doing the plate change until after notifying the insurance.

m33r4

Strider590 wrote: »

Strictly speaking, your insurance could claim you've modified the car.....

Car's with private plates are probably proportionally more likely to be vandalised and/or involved in an accident.

Number of private plates v's number of incidents = ? %
Number of non-private v's number of incidents = ? %

At a guess, as over inflated self importance rises, so does the likely hood of having an accident....

I don't agree that you can judge people quite so simply and im not making any sort of generalisation, but insurance companies do!!

In fact... Im reading an article right now that states exactly the above.

I have done the opposite - I have removed a private plate off my car and gone for the year appointed DVLA plate.