Bought a car with a disabled tax disc

gayleanne

If the previous owner has a new car and has taxed it with his/her exemption form, then the tax disc, on your car, is now void, meaning that you are driving with out tax, you will find that with out tax you also have no insurance, the police with the recognition equipment on there vehicles will soon stop you for not being taxed, I would not wait until the end of September I would get your tax now, before it gets you into even more trouble, with no tax and insurance.

Lomast

TomB360 wrote: »

Was the V5C registered as disabled or was it changed by the DVLA when you got the car?

V5C and tax disc were both registered as disabled i just took the new buyer supplement, insurance and MOT to the local office with the payment and they sorted it out for me

paddedjohn

gayleanne wrote: »

If the previous owner has a new car and has taxed it with his/her exemption form, then the tax disc, on your car, is now void, meaning that you are driving with out tax, you will find that with out tax you also have no insurance, the police with the recognition equipment on there vehicles will soon stop you for not being taxed, I would not wait until the end of September I would get your tax now, before it gets you into even more trouble, with no tax and insurance.

Lack of tax does not mean that the insurance is void.

Hintza

madjay wrote: »

If you use the car and have a crash you will not be covered.

Can you show me some evidence of this?

madjay

Hintza wrote: »

Can you show me some evidence of this?

I had the same problem with my last car and I was advised by my insurance company said that the policy was invalidated due to not the car not being the right taxation class for the insurnance and not having the right tax disc.


So check with your insurance company first to see if is still okay to drive your car

paddedjohn

madjay wrote: »

I had the same problem with my last car and I was advised by my insurance company said that the policy was invalidated due to not the car not being the right taxation class for the insurnance and not having the right tax disc.


So check with your insurance company first to see if is still okay to drive your car

They can advise you all they want, they can't get out of their obligations just because the car isn't taxed.

gayleanne

paddedjohn wrote: »

They can advise you all they want, they can't get out of their obligations just because the car isn't taxed.

Did you know that not having car tax invalidates your motor insurance?

A lot of people don’t realise that if they ‘forget’ to renew their road tax when it runs out – or don’t purchase it at all – then their car insurance is null and void. If they are involved in an accident while untaxed, then they will essentially be uninsured and will be subject to all the consequences as described above. Even if they have been paying their car insurance, it won’t make any difference – you’re still guilty of committing a criminal offence.


So what can happen if I’m caught?

Depending on what you’ve done, the consequences can be pretty nasty. At best, you’ll get a fine and potentially a ban. You might find that your car is clamped, towed away and resold or even crushed – and of course as you’re not insured, you won’t get a penny for it. Worst case scenario: you’re caught because you’re involved in an accident and you end up in court, bankrupt and facing a jail sentence. So just remember; if you can’t afford to tax and insure your vehicle, then you can’t afford to drive it.


So Paddedjohn this information on the DVLA site is wrong according to YOU!!! I would check your facts first. The tax disc is voided as soon as the disabled person sells or gets rid of that car, so they are driving with no tax or insurance.

mcjordi

gayleanne- the insurer will still pay out for the third party claim under its obligations..no tax does not mean no insurance same as no mot.

please do some searching on here to find out...

Rolandtheroadie

gayleanne wrote: »

Did you know that not having car tax invalidates your motor insurance?

A lot of people don’t realise that if they ‘forget’ to renew their road tax when it runs out – or don’t purchase it at all – then their car insurance is null and void. If they are involved in an accident while untaxed, then they will essentially be uninsured and will be subject to all the consequences as described above. Even if they have been paying their car insurance, it won’t make any difference – you’re still guilty of committing a criminal offence.


So what can happen if I’m caught?

Depending on what you’ve done, the consequences can be pretty nasty. At best, you’ll get a fine and potentially a ban. You might find that your car is clamped, towed away and resold or even crushed – and of course as you’re not insured, you won’t get a penny for it. Worst case scenario: you’re caught because you’re involved in an accident and you end up in court, bankrupt and facing a jail sentence. So just remember; if you can’t afford to tax and insure your vehicle, then you can’t afford to drive it.


So Paddedjohn this information on the DVLA site is wrong according to YOU!!! I would check your facts first. The tax disc is voided as soon as the disabled person sells or gets rid of that car, so they are driving with no tax or insurance.

http://www.nopenaltypoints.co.uk/legal-implications-avoiding-car-tax-insurance.html

Heres a link to the DVLA site it came from.

Here's their disclaimer as well.

http://www.nopenaltypoints.co.uk/DisclaimerNotice.html

Finally the no MOT bit.

http://www.nopenaltypoints.co.uk/driving-without-insurance-tax-or-mot.html

Lum

Well at least one other section of that page is talking rubbish. They claim:

Motor Insurance protects you too. If you are involved in an accident is not your fault but don't have motor insurance, then you can't claim and may well be sued by the driver, any of their passengers, and potentially the insurance company for the other party.

This is wrong, you can claim directly off the other person's insurance, through a solicitor or through one of many ambulance-chasing claims management or credit hire companies.

Also, the no-MOT thing has been done to death on this forum, with any insurer denying payout due to no MOT being overruled at the ombudsman unless they can prove that the car actually had a fault that caused the accident, so I really can't see how failure to purchase a bit of expensive round paper and stick it in your windscreen would fare any better.