Continuous Car Insurance - Started

paddedjohn

im not sure how long before they chase you but if you sorn your vehicle you must return the tax for a refund, if you dont return the tax and sorn it then the tax becomes invalid anyway and you lose money.

pitkin2020

paddedjohn wrote: »

im not sure how long before they chase you but if you sorn your vehicle you must return the tax for a refund, if you dont return the tax and sorn it then the tax becomes invalid anyway and you lose money.

So what your saying then is, if I don't send my tax back now I will lose my refund on the remaining period (september), but if I send it back now and retax within 21 days I still lose my refund.

paddedjohn

I think the 21 days refers to the same monthe not the total of the refund.

mikey72

If I remember the dvla brought it in to stop cashing in tax disks then renewing just before the budget changes, when it was widely expected that tax would rise for gas guzzlers.

john539

paddedjohn wrote: »

your insurance is not invalidated if the vehicle is untaxed or without mot.

Some insurance policies, maybe most, say you must keep car taxed & mot'd.

pitkin2020

john539 wrote: »

Some insurance policies, maybe most, say you must keep car taxed & mot'd.

Correct, if your fully comp and have an accident that is your fault, the insurer is still likely to pay the third party but you won't get your car fixed and you maybe even liable for the full cost the insurer has paid out to the third party. They have certainly made a complicated enough system unworkable now and a system that already costs a fortune to maintain and police is going to cost even more......maybe the government should spend some time on this forum!!!

john539

Says here you can get criminal record.

New motor insurance rules begin

He warned that offenders who are caught under the new law will not only get a criminal record, but also have to pay more for their insurance in the future.

Is that correct or a mistake ?

michael.d_3

pitkin2020 wrote: »

I'm just about to do the same thing myself. When you did the SORN online did it say you had to send the tax disk back or anything relating to the tax??

Hi, It said you may be entitled to a refund and to fill in a form but never said you had to send the tax back.

I have been speaking to a few people about this, some people who have motorhome/campervans & they are planning to do the following:

SORN it to be safe & keep the tax disk, not cash it in. That way they can get temporary insurance when the weather is good & display the tax disk. If they are stopped by the police they will simply claim they no nothing about the vehicle being SORN & the vehicle will be legal at the time ie Taxed/MOT/insured.

Im possibly thinking something similar may be workable for me. The reason I dont want to cash the tax in is that refunds take forever & you lose the whole month, even if the vehicle is only used for 1-2 days.

I know by not cashing in the tax it gives them more money but the tax is paying towards the use of the roads & I do "very rairly" use the 4x4 on the road so for ease I usually just leave it road taxed. The price of the tax & all the times I use it with temporary insurance is typically a lot less than It would be for me to insure it for the whole year since i have No NCB on it.

Lets say I do cash my tax in, thats fair enough but what If I need to take rubbish to the skip, I would need to get temporary insurance, then road tax. For 1 day! Then SORN/Cash in the tax. If I need it the following weekend, say theres an emergency & I need to pickup somehting with my trailer, a new boiler for example. I would need to repeat the whole process again, temporary insurance/get road tax & then SORN/cash in.

All this hastle & you know fine well that the DVLA will not have refunded the 1st lot of tax. I would be out of pocket the amount of 2 tax disks & I would also lose 2 months worth of tax, 1 month from the 1st tax disk & 1 month from the 2nd.

The new rules seem to make sence, I see no reason as to why anyone should be allowed to keep a vehicle on the public road without insurance but some people do have driveways & garages.

They should make it illegal to keep your car on the public road without insurance (possibly a second form to SORN the vehicle but keep it taxed??). I dont see why it needs to be linked to road tax.

The way I understand it is that road tax is paying towards the use of the roads, maintanance, etc, etc. Insurance is insuring your vehicle & other road users while using the road.... 2 entinrely different things.... although both required to be legally on the road.

I just seems to me that they have had a good Idea but not really thought it through regarding how they implement it.... typical Government??

mikey72

And when the dvla insist it's sorn. and send out the fine, despite you having a tax disk?
And then the police rely on the dvla database, and tell you your tax disk isn't valid, and impound the van.
How many times do you think they've heard it off people that "lose" the tax disk, get a duplicate, then cash it in and put the duplicate in the window.?

john539

michael.d wrote: »

Surely they cannot do me for no tax if I use the vehicle as I do have tax. They could mayby say something about using the vehicle while SORN but theres no way to un-SORN it at the moment other than to cash in tax & then re-buy.

I could be wrong on this though... Is there a way to declaire the car back on the road without cashing in the tax & re-buying??

That seems to be a DVLA admin problem.

Maybe you can cancel SORN by phone if you tell them you still have valid tax disc. You can declare SORN by phone, so you should be able to cancel SORN by phone.

In fact I'd suggest if you notify them by phone or letter that you are cancelling SORN, you have valid insurance & tax, you're covered. It's their problem if they don't like.
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