car tax/insurance

djpeterj

hi i just moved into a new house and had to renew my car tax so i went to the post office to get my tax i could not find my car insurance papers so i just took the log bog got my tax went out the next day got stopped buy the police and found out my insurance ran out in may so that said i got 6 pints and 300 pound fine and 150 pound as my car was taken of me i have lots of insurance on a van and bikes i can't see y the post office taxed my car with out insurance on it i would never of drove it if new i didn't have insurance is the post office in the wrong if so what can i do about it

HappyMJ

So did you or did you not have insurance?

marc7

can't do nothing its not post offices fault that you can't be bothered to make sure you keep up with your legal requirements

shaun_from_Africa

If you didn't have valid insurance for the car concerned at the time that you purchased the vehicle tax then yes, the Post Office were in the wrong.
However, they were only in the wrong for issuing the tax. Driving without having valid insurance cover in place is entirely your fault and it's not something that the PO can be held accountable for.

CKhalvashi

It is the drivers responsibility to make sure they are insured.

The fact you weren't will kill when you get quotes, and the police have acted correctly in the situation. I wouldn't be happy had you hit my car and I couldn't claim from you.

force_ten

shaun_from_Africa wrote: »

If you didn't have valid insurance for the car concerned at the time that you purchased the vehicle tax then yes, the Post Office were in the wrong.
However, they were only in the wrong for issuing the tax. Driving without having valid insurance cover in place is entirely your fault and it's not something that the PO can be held accountable for.

sorry but that is old information that is not correct


the post office no longer check car insurance when you tax your car this has been the case for about four months now and is to do with the changes that are coming in on the 1st october where tax discs are abolished

www.thisismoney.co.uk/money/cars/article

djpeterj

yes i under stand its my fault for not having insurance even though i thought i did and getting the tax only made me not to think about the insurance i still think that the post office should be dealt with as i have after i checked out my insurance they nether renewed my policy and i did not receive letters about that so i have been driving since may without insurance but i would of known that if the post office did the job properly

force_ten

www.gov.uk/government/pdf

that is a link to the DVLA that contains information stating that the need to show valid insurance will be dropped when taxing a car

force_ten

djpeterj wrote: »

yes i under stand its my fault for not having insurance even though i thought i did and getting the tax only made me not to think about the insurance i still think that the post office should be dealt with as i have after i checked out my insurance they nether renewed my policy and i did not receive letters about that so i have been driving since may without insurance but i would of known that if the post office did the job properly

who was your insurance with until it ran out in may

shaun_from_Africa

force_ten wrote: »

sorry but that is old information that is not correct

Thanks for that.
I thought (wrongly) that the Post Office staff still checked to see if the vehicle being taxed was showing on the insurance database.

force_ten

shaun_from_Africa wrote: »

I thought that although you don't have to show insurance doc's at the Post office, there should still be a check carried out to ensure that the vehicle is showing on the insurance database.

the post office system is not linked to the insurance database so no check is carried out, the only thing that will show on the post office system is no MOT

this is why the post office always required the original insurance certificate or a valid cover note as that was the only way that they had of checking valid insurance