1st Time Car User - What order for Tax, Mot, Insurance?

Avani

Hello, hopefully someone can help It might seem like a dum question but I am a 1st time driver and getting muddled!

I am hoping to pass my practical car test on Friday 29th after an intensive course.

I have bought a car, which is currently SORN. The car needs an MOT which is booked on the 28th and it also needs tax. As I havent passed, a friend of mine is driving the car to the MOT center. I am hoping to have everything sorted for Friday so I can drive my car straight away.

So fingers crossed it passes the MOT, but this means my friend will have to drive it to and from the MOT center with no tax. I cannot get the tax until I am insurered, but I cannot get insured until the 29th (if I pass) so how long does the insurance certificate take to come through? And are we able to drive the car to the MOT center without tax? And can we then drive it to the post office to get tax?

If the car passes the MOT on the 28th, and I pass my test on the 29th? How likely is it that I can use the car this weekend? (We want to drive to my parents house for the weekend as a suprise )

Thanks!!!

Inactive

Your car needs to insured before it can be on the road, even for an MOT, so get it insured immediately, you do not need to have passed a test to get insurance, then take it from there.

You will need insurance cover for your friend as well.

Avani

So I can insure my car with only a provisional licence? Do I not need to get provisional licence insurance for this? but I would only need it for 1 day? Sorry but I am really confused!

Inactive

Avani wrote: »

So I can insure my car with only a provisional licence? Do I not need to get provisional licence insurance for this? but I would only need it for 1 day? Sorry but I am really confused!

It is all the same insurance, you just need to notify the insurer of your licence type, provisional or full.

If you have a good driving instructor, they will explain all of this to you.

Avani

Thanks, I understand now. I will get it insured today. So am I able to drive it to the MOT without tax then and when it passed its MOT I can then tax it. Thanks

Tinks74

Order - Insurance - MOT - Tax.

Yes you can insure with only a provisional licence, just explain the situation to your insurance company, they may/may not charge you for modifying the poilicy when you inform them of your change of licence, chances are they will

You can drive a car without MOT on the road providing you are taking it to a garage for a pre booked MOT.

Beware if someone suggests the other driver can drive it if they have 'Driving other vehicles' on their insurance, this coverage only applies if the vehicle is insured in it's own right.

If then you and the car pass the tests (good luck btw), call your insurance company tell them the good news, take the insurance certificate (assuming you have it by then) and MOT certificate to a Post Office that issues Tax Discs (not all do, double check), pay your money and collect your disc, stick it in the window and you are off.

I wouldn't hang about getting to the post office and getting the disc in your window, might be worth leaving someone in the car while in the post office, you would have to be extremely unlucky to be caught in the interim period, particularly if the post office is on your way home

Rossy.

Tinks is spot on

Get the insurance done asap as sometimes insurance companies drag their heels in sending out documents.

You won't be able to TAX the car without an M.O.T or insurance certificate so these need to be sorted as otherwise it may not happen in time

Good luck BTW - And you've heard it a thousand times already but be safe and don't drive like a wan*er.. Too many young adults are wiped out from excess speed and lack of experience.

We can all be like Lewis Hamilton but sadly 95% will crash - Don't be a statistic

Lum

Avani wrote: »

If the car passes the MOT on the 28th, and I pass my test on the 29th? How likely is it that I can use the car this weekend? (We want to drive to my parents house for the weekend as a suprise )

To achieve this you will need an insurance certificate covering that car in your hands by the 29th. These typically take a week to arrive. You need to take the insurance certificate and the MOT certificate to the post office along with the required fee in order to purchase road tax.

To be quite honest for a single trip I wouldn't bother trying to get it ready for this weekend. I realise that's easy for me to say as I'm not in a position of being about to drive my first car, but you could end up throwing away a lot of money by buying insurance early, then either yourself or the car could fail it's test and the whole thing was for nothing.

I'd pass the test first, then take out the insurance. Even without the certificate you can still drive it on the road, however without tax this is limited to the MOT station and back home. Assuming it passes I would wait until the 1st of next month as tax has to cover a whole month so if you buy it on the 29th you are actually paying for the whole of October, not just 2 days. ,

Good luck for Friday BTW.

forgotmyname

Just imagine your friend getting stopped on the way to the MOT and the police taking your car away to the pound.

Getting it back with no MOT or TAX or insurance will be expensive.

Make sure it is booked into the MOT station and they have the vehicle reg number. Go directly to the station no detours.

The price may well go up after you pass your test, As a provisional holder you are supervised when driving but after you
pass you are seen a a menace/danger on the roads.

Free red rag to attach to the horns on the front of your car with every pass certificate.


:rotfl::rotfl::rotfl::rotfl::rotfl:

Avani

Thanks everyone and thanks for the good lucks Fortunately for other road users I am not toooo young and driving a 1.2, and this test is 10 years overdue

The insurance has been bought now - so it covers my friend taking it to and from the MOT test centre. If I pass on Friday, the insurance company is going to change it from provisional insurance to full licence insurance free of charge. They said they will get the documents to us in time for getting the tax on Friday. I dont know how, but they promised!

Avani

Lukily the MOT test centre is a 2 min drive from where we are, so dont have to drive too long Its all pre booked