Buying new to us car - how to sort ins and road tax?

gerturdeanna

Oh is off to buy a new to us car. He's got an idea of what he wants and has a friend with him to check car also.

My question is how do we sort insurance and tax, because obv, we can't tax without ins and mot, so we need to ins, but can't drive until insured??

Would it be something as simple as buying the car, getting the paperwork, leaving, going home, buying tax and ins and collecting another day??

Gert xx

martinthebandit

What I have always done, after I have found the car I want and agreed a price, is organise the insurance to start the day I pick it up and get the current owner to stick 6 months road tax on it as part of the price.

If I cannot get them to tax it because they have not got it insured I make sure I have all my docs with me and tax it at the post office nearest to where I pick it up.

marlot

Are you buying from a dealer or from a private individual?

It can be easiest to get the seller to tax the car (with you reimbursing them), if they still have insurance on the car. You can then ring your insurance company at the time you buy the car, and just drive away.

marlot

If buying from a dealer, many can offer 7 days free insurance. I've used this a few times - gives you time to sort out the insurance when you get home.

gerturdeanna

He is buying from a small dealer.

Its MOT'd till June 12, so ok with that. I'll mention the 7 day insurance etc to him. and to check if it has insurance on already but don't think that will be the case.

Will buy road tax and insurance online so are covered as soon as the button is clicked!!

Thanks

Gert x

mikey72

The insurance is ok online, but you will have to wait for the tax disk to come, unless you want to chance it without.
Last one we did, we printed out the insurance, went to pick up the car, got the new owner slip off the V5, then bought the tax disk at the local post office, then drove home.
It's worth ringing the PO first to check they will be happy with a home printed insurance, even though they should, not all accept them, then you're stuck miles from anywhere looking for another PO.

Rover_Driver

gerturdeanna wrote: »

Will buy road tax and insurance online so are covered as soon as the button is clicked!!

A new keeper cannot tax a vehicle online, only the current registered keeper can.

The seller should give you the green 'New Keeper' part of the V5C registration document which you can use with form V10 to tax it at a Post Office.

neilmcl

If you can sort out the insurance in advance then do this, if not then get a days insurance from one of the day insure companies, print off the certificate, and with the V5C you'll get from the seller you can the tax from the post office.

Trebor16

If you buy the road tax today you will lose virtually all of November as it will expire either on the 30th April 2012 or the 31st October 2012, depending on whether or not you get 6 or 12 months tax. If you pick up the car after the 1st December then the tax will expire either 31st May or 30th November 2012.

forgotmyname

Go look at the car, Pay deposit, Contact insurance start or swap over at midday, Go and pay for the car at 11:59
or go and tax the car at 12:01. and drive away all legal.

[Deleted User]

If it is a trader, get them to tax it using their traders policy. Then you won't need to worry about printing off certificates.