Insurance for taxing a car

Rossy.

Dont quote me as gospel, but i was told by my PO a while back that insurance certificates must have at least a minumum of 14 days of insurance left to run, or they won't allow you to purchase a disc

It's to stop people getting temp insurance, getting the disc, then driving uninsured

It makes a lot of sense in theory

Just get the buyer to insure it and get the tax on the day with them footing the bill

harveybobbles

Rossy. wrote: »

Just get the buyer to insure it and get the tax on the day with them footing the bill

So back to my question then - why would a buyer want to pay to insure if before they have driven it...?


OP - you could just take out an insurance policy while you sell the car and cancel it once its sold and get a pro-rata refund?

vikingaero

Why all this PO malarkey? Once you buy day insurance it will show on the ASKMID database as being insured so you never need to go near a grounchy postmaster/mistress as you could buy online.

Wig

life_in_termoil wrote: »

I want to tax my old car so I can sell it. Would temporary insurance be enough to enable me to do this?

Thanks in advance

Your plan appears to be flawed. You appear to want temporary insurance to get a tax disc and then cancel the insurance or let it run out.

This would have been fine in the old days, and you would go with an insurer who has the cheapest cancellation fee and full refund within 14 days. <<<< it's cheaper than going for a temporary cover policy to do it this way.

The flaw in your plan is that now if you are taxed you HAVE to be insured or declared SORN.
If you declare SORN you HAVE to return your tax disc.

You see the problem?

There is supposed to be an automatic fine of £100 if you are not insured. But there is no reports of them actually starting to issue these fines yet.

ROY47

Rossy. wrote: »

Dont quote me as gospel, but i was told by my PO a while back that insurance certificates must have at least a minumum of 14 days of insurance left to run, or they won't allow you to purchase a disc

It's to stop people getting temp insurance, getting the disc, then driving uninsured

It makes a lot of sense in theory

Just get the buyer to insure it and get the tax on the day with them footing the bill

wrong I'm afraid

bought a car for the daughter last october ,it came with a free 7 day insurance with aviva through the dealer ,they used that faxed insurance paperwork to tax the car for 12 months

harveybobbles

The Avivia stuff is ok cos its for 7 days and its only available from us Dealers. So is legit enough for the Post Office to accept.

masterlumps

harveybobbles wrote: »

I wouldnt want to have to pay to insure a car that I'm going to test drive, would you...?!

no i wouldnt, but neither have i ever test driven any of the 3 new cars or 6 second hand cars i have bought

lawrie28

harveybobbles wrote: »

I wouldnt want to have to pay to insure a car that I'm going to test drive, would you...?!

Well, how else would you drive it? It may be covered under the third party extension on your own policy, that would be third party only so if you crash the car you pay for the damage yourself. but you will certainly not be covered by any insurance policy that the person selling the car has. You may be covered on a dealers policy, but best to check.

The only way to make sure you are legally covered to drive any other vehicle is to call your insurance company and add the vehicle to your policy which will cost you.

harveybobbles

...But to be covered 3rd party to drive another vehicle, doesnt the other vehicle have to have insurance on it...?

vikingaero

harveybobbles wrote: »

...But to be covered 3rd party to drive another vehicle, doesnt the other vehicle have to have insurance on it...?

Depends on your individual policy T&C's.

You can generally test drive the car under your DOC extension from a private driveway and returning it to the private driveway in one go.

The problem is if you drive from the private driveway and then stop in a public place or a place to which the public have access and leave the vehicle. Then it becomes the registered owners problem as they will be uninsured!:D