You have to have insurance if car is off road

Wig

Diary of a scrote

Day 1.... Bought new car today, £150, with 3 months MOT, Result!

Day 2 morning.... Got insurance online £500 They laughin at me that's well 'ard!
Day 2 afternoon..... Printed off Insurance cert, Yeah man modern technology S'up Bro!
Day 2 Laters ..... Got tax disc from PO cool, looks sweet!

Day 3 My man Chonsy, he told me today a rad plan, recover my insurance money within 14 days.
Day 3 afternoon Got replacement tax disc £7 lost first one innit he he.

Day 5 Buzzin on the road, totally legal, but not for long dude.

Day 10 Refunded my insurance 500 large, you can't touch this!

Day 10 afternoon, Sent in SORN with replacement tax disc, 'nuther refund on it's way~!

Rest of Days .........until caught..... Got the banger on the road with tax disc displayed, 'nuff respect my bro Chonsy!

End of days...... Got caught going to the beak tomorrow
Day after....... £200 fine cheaper than the insurance! Sweet! paying £2 a week. Need a new car!

Wig

Diary of a working man

Day 1 Need to take the car off the road for repairs, notified SORN, and suspended the insurance. Using wife's car until got enough money for repairs.

Day 60 Got letter, demanding £80 penalty from DVLA for non SORN! !!!!!!! £40 early blackmail payment offer, I don't need this. DVLA just say pay up on the phone.

Day 65 Got new DVLA letter claiming I owe them £140 in undeclared VED due to failed SORN previously! I just paid them £40! :mad:

Day 90 Got new letter from DVLA saying another £100 Due to having no insurance for period 60 days no SORN, said they sent me a warning letter about it, Did they heck! I got no letter, now another ton. Costing me £280 now and car still not repaired! Fed up, why do I bother, might aswell go on the social & get the rent free.

thenudeone

NeverInDebt wrote: »

This policy wont stop many of the none insured drivers driving the roads but may penalise those who have taken vehicle off the road for x amount of time who will now have to take insurance out or keep it running even though they may not use the vehicle for some time.

No it won't. They can just declare it off-road with an SORN.

darkwarrior

It's getting more and more depressing to bother being an honest citizen anymore. Honestly, I read the story on the main site and my heart just sank.

The insurance companies have such an amazing racket and we all just have to bend over and take it. 3 years in a row my insurance has risen, by several hundred pounds, even with shopping around and despite 6 years no claims.

Same for my mother, same for my Uncle.

If it is a legal requirement to have insurance it should be law that insurance companies cannot increase your premium if you don't have an accident. If they can't afford to pay out when people have an accident they're running a bad business model and it shows that their business isn't built on covering you when stuff goes wrong unless they're in a bind and have to pay.

And this, this is just ridiculous. If your car is taxed but you aren't driving it, how is making you require insurance going to make anyone who hasn't insured it and is driving around, suddenly insure it? Why would you even need insurance? If it's not being driven surely all that can happen is someone else, insured or otherwise, smashing into you.

It isn't. It just screws us over again.

We pay Vat, we pay a vastly inflated license fee, we pay road tax and our roads are full of potholes and bus lanes that force us to spend hours in queues, we pay fuel tax, we pay insurance but it isn't enough, it's never enough.

Owning a car is quickly becoming a fruitless and depressing endeavour that just isn't worth the hassle.

Sorry for the rant but I'm just getting sick of trying and working and getting screwed time and time again.

patman99

You CAN re-tax a car within 21 days of placing it on SORN. Just did it myself.

1st Feb - placed car on SORN
11th Feb Taxed car at local P.O. using V5C
15th Feb - DVLA letter confirming SORN arrives

Seriously though, the whole system needs a major overhaul. Every law passed to catch dodgy drivers can be circumvented. Be-it buying numberplates online (no V5 needed) or the new VED rules.
When a friend's son got a quote of £3,000 to insure a £150 Fiesta, you can understand why their is so much temptation to drive uninsured.

darkwarrior

patman99 wrote: »

You CAN re-tax a car within 21 days of placing it on SORN. Just did it myself.

1st Feb - placed car on SORN
11th Feb Taxed car at local P.O. using V5C
15th Feb - DVLA letter confirming SORN arrives

Seriously though, the whole system needs a major overhaul. Every law passed to catch dodgy drivers can be circumvented. Be-it buying numberplates online (no V5 needed) or the new VED rules.
When a friend's son got a quote of £3,000 to insure a £150 Fiesta, you can understand why their is so much temptation to drive uninsured.

It's not to catch uninsured drivers, thats what ANPR is for, any one with sense can tell this wouldn't harm the uninsured driver in the least.

It's there to prey on you being too busy/downtrodden already to go to the effort of declaring a SORN and cancelling insurance (Which itself is a pain if you pay in full since there can be administration charges) because when you're paying insurance you're paying VAT, the recently, happily changed 20 percent meaning that f'ing over the honest citizen reaps more money for hte government coffers.

You've heard it all before but we're taxed when we buy the car, taxed to get it on the road, forced to insure it and pay tax on that insurance with whatever value we're told to accept, taxed to put fuel in it to move it.

It's a beautiful system as long as you aren't poor or an honest citizen.

mikey72

patman99 wrote: »

You CAN re-tax a car within 21 days of placing it on SORN. Just did it myself.

1st Feb - placed car on SORN
11th Feb Taxed car at local P.O. using V5C
15th Feb - DVLA letter confirming SORN arrives

Seriously though, the whole system needs a major overhaul. Every law passed to catch dodgy drivers can be circumvented. Be-it buying numberplates online (no V5 needed) or the new VED rules.
When a friend's son got a quote of £3,000 to insure a £150 Fiesta, you can understand why their is so much temptation to drive uninsured.

You can, they'll always take your money. The DVLA allow 21 days to make sure they don't cancel both discs, and refund just the first one. Then eventually if you are lucky, refund 11 months of the new one they've cancelled, while you have to buy yet another disc to be legal.
And as they've told you not to do it, it's your fault, not theirs.

martin_54

go on the DVLA web site its on there. as i see it if its on a sorn you dont have to have insurance.

patman99

VAT on insurance is 5% not 20%.

darkwarrior

patman99 wrote: »

VAT on insurance is 5% not 20%.

Does it really matter? It's something you're forced to have if you own a car and they charge VAT on it, then on the Petrol plus paying the Road Tax.