No road tax for 3 months

spike7451

forgotmyname wrote: »

Noisy neighbours car vanished at 5:30 one morning. Seems the neighbour opposite had had enough and reported them
online, Said they went to work in the car at 6:30 and it was only outside the house upto 6 - 6:30.

I had to giggle when he told me, He also pops their reg into askmid several times a month.

I bet that helped their xmas having to pay to get the car back and back tax.

I didnt realise they just towed the car for no tax. Maybe they ticketed it 1st or did it have other issues?

Yes they do take cars for no tax.
I was coming back from the shops yesterday & passed a car parked outside the owners flat,clamped & plastered with 'No Tax' stickers.The owner has had no tax for a while now.Passed his gaff today.No car,it'd been towed.

Trebor16

pogofish wrote: »

Its not quite as simple as that but yes, depending on the exact T&Cs of the insurer concerned, they could well find themselves in trouble with the insurer which could lead to a policy being canceled or voided. Which would lead to a great deal of problems and extra cost in future

Broadly, the insurer would still honour the 3rd party aspects of the policy but maybe seek to reclaim costs but probably deny anything that related to the policyholder's side of the claim outright.

You will find that insurers cannot void the policy if the car wasn't taxed and there have been cases where the ombudsman has ruled against insurers in such circumstances.

My own Aviva policy lists general exclusions where they will not pay out and these include where the vehicle is being used whilst not in accordance with the policy, is being driven by a person who is not a permitted driver, doesn't have a current driving licence, is not complying with the terms and conditions of the licence or does not have the appropriate licence for the class of vehicle.

No mention of not paying out if the vehicle is neither taxed or has a current MOT.

pogofish

Trebor16 wrote: »

You will find that insurers cannot void the policy if the car wasn't taxed and there have been cases where the ombudsman has ruled against insurers in such circumstances.

My own Aviva policy lists general exclusions where they will not pay out and these include where the vehicle is being used whilst not in accordance with the policy, is being driven by a person who is not a permitted driver, doesn't have a current driving licence, is not complying with the terms and conditions of the licence or does not have the appropriate licence for the class of vehicle.

No mention of not paying out if the vehicle is neither taxed or has a current MOT.

Yes, they will respect the third party side of the policy and pay-out for damage/injury etc to third parties but will make it very difficult for the policyholder to claim anything for themselves but you do need to read the small print and I have seen some insurers insist on fully valid tax and MOT but others not. My last Aviva policy via the RAC did have this requirement but others did not.

Trebor16

pogofish wrote: »

Yes, they will respect the third party side of the policy and pay-out for damage/injury etc to third parties but will make it very difficult for the policyholder to claim anything for themselves but you do need to read the small print and I have seen some insurers insist on fully valid tax and MOT but others not. My last Aviva policy via the RAC did have this requirement but others did not.

They would be on thin ice if they tried to make it difficult for a policyholder to claim for their own losses in relation to no road tax. Here is another policy document from Zenith Insurance. page 10 shows that the car should have a current MOT but no mention of not paying out if the car isn't taxed.

http://www.zenith.gi/Private_car_policy_06.09.pdf

And from the Citizens Advice Bureau on page 4. Again, no mention of no road tax being a reason for turning down a claim.

http://www.adviceguide.org.uk/c_motor_insurance.pdf

After all, if your car is off road and not taxed and declared SORN, would the insurer turn round to policyholder and say "It wasn't taxed, so you are not covered"?

aldredd

haha, sorry guys - didn't mean to start an argument

Thanks for the detailed replies though - always useful to know!

dacouch

pogofish wrote: »

Yes, they will respect the third party side of the policy and pay-out for damage/injury etc to third parties but will make it very difficult for the policyholder to claim anything for themselves but you do need to read the small print and I have seen some insurers insist on fully valid tax and MOT but others not. My last Aviva policy via the RAC did have this requirement but others did not.

Sorry, but your post is not factually correct in any way.

Insurers cannot refuse to pay any part of a claim whether for own damage or third party liability for lack of Road Tax.

In addition they cannot refuse to pay a claim again whether for own damage or third party liability for lack of an MOT. There are a few cheap and not cheerful Insurers that state a car must have an MOT, however this is entirely unenforcable and will always be over turned by the Ombudsman.

Once again for the purposes of record an Insurer cannot refuse a motor claim for lack or MOT or lack of Road Tax. Please stop perpetuating these urban myths.

taffy056

dacouch wrote: »

Sorry, but your post is not factually correct in any way.

Insurers cannot refuse to pay any part of a claim whether for own damage or third party liability for lack of Road Tax.

In addition they cannot refuse to pay a claim again whether for own damage or third party liability for lack of an MOT. There are a few cheap and not cheerful Insurers that state a car must have an MOT, however this is entirely unenforcable and will always be over turned by the Ombudsman.

Once again for the purposes of record an Insurer cannot refuse a motor claim for lack or MOT or lack of Road Tax. Please stop perpetuating these urban myths.

I fully agree, there are many many many threads on this on MSE, and they clearly show the ombudsman ruling against the insurer who refuses to pay out in the event of accident.

esmerobbo

It's best practice to keep your car MOT'd and Tax'd though and avoid any problems!:D

giraffe69

I was coming back from the shops yesterday & passed a car parked outside the owners flat,clamped & plastered with 'No Tax' stickers.The owner has had no tax for a while now.Passed his gaff today.No car,it'd been towed.

Excellent news. A warm feeling all round (except of course for the owner)