So the driver loses out yet again!

funny.money

scotsman4th wrote: »

If I bought a car with no on it on the 4th of the month, I'd always have had to tax it from the start of the month.

If I sold a car on the 4th of the month and was cashing in the tax myself, as I would normally do, I'd have lost that month anyway.

If I buy a car, I'm pretty sure it will stay showing taxed on the system long enough for me to get it home, have a cup of tea, go online or walk down to the post office and take out the next lot of tax.

Quite right - but the point I was trying to make is that now the seller will have paid for the tax from the 1st of the month and the new buyer is having to pay for the tax from the 1st of the same month - this is just not right - but as usual we will just all pay up, we have no choice.

Quentin

scotsman4th wrote: »

If I buy a car, I'm pretty sure it will stay showing taxed on the system long enough for me to get it home, have a cup of tea, go online or walk down to the post office and take out the next lot of tax......

You can buy the tax immediately 24/7 by phone or online. You have to insure it from the point of purchase if you intend to drive it straightaway, likewise you have to tax it.

Johno100

funny.money wrote: »

I agree, and started to think that maybe this could be done in some way 'privately' between seller and buyer - but after reading Iceweasel's reply it appears not.

It will be done privately between buyer and seller, if last month you bought a car that had 6 or 9 months tax left on it then that would have been factored into the sale/purchase price. Now as the seller gets to keep the unused tax the purchase price will be negotiated accordingly.

runningben16 wrote: »

It's another argument in favour of clean cars... My tax is £30 a year (for now, I'm sure it'll go up soon but that's another issue) so a month's tax is £2.50. I can afford to lose that if I change the car

And how often does the average individual change cars, something like every 3 years, so just over 80p for each year of ownership in your case.

InsideInsurance

funny.money wrote: »

Quite right - but the point I was trying to make is that now the seller will have paid for the tax from the 1st of the month and the new buyer is having to pay for the tax from the 1st of the same month - this is just not right - but as usual we will just all pay up, we have no choice.

It was the same under the old system if the seller decided to cash in the tax disc rather than sell the disc with the car.

I've no idea what proportion of people used to cash the disc nor if you really got 100% of the disc's remaining value if you decided to sell the disc with the car.

Obviously the loss of a choice is a bad thing but I am not sure the impacts are really as material in the real world as the theory suggests.

harveybobbles

But even under the old system the current owner of the car would lose that months VED when it came to cashing it in anyway.

Also under the old system you'd have to tax the car from the start of the month if you bought it on the 1st-26th anyway.

If you want to buy a car, do it on the last day on the month and tax it the following day.

Would like to see how this new system will work.

If I sell my car tomorrow, what system is in place to allert the DVLA/Police that the new owner hasnt taxed it, as it will still be taxed.

EDIT: Just watched the video online and it looks like when the new owner goes online/phones up to tax the car, this then automatically spits out the refund to the current keeper.

If anything, I think people will like the new system as you can pay by direct debit rather than paying out a big chunk of cash

shaun_from_Africa

Quentin wrote: »

You can buy the tax immediately 24/7 by phone or online.

Not at the moment you can't!
http://www.theguardian.com/technology/2014/oct/01/dvla-website-buckles-under-pressure-of-new-online-vehicle-tax-renewals

The website is still down. It's not as if the government wouldn't know how many cars are going to need their VED renewed today yet they still managed to get a website built with insufficient capacity.

Rolandtheroadie

Quentin wrote: »

You can buy the tax immediately 24/7 by phone or online. You have to insure it from the point of purchase if you intend to drive it straightaway, likewise you have to tax it.

If I take out insurance outside a sellers home at 10am, will that now show up immediately on DVLA's system?

mgdavid

Iceweasel wrote: »

........Which raises the next question - at precisely what point does that occur?
When the new owner drives off?
When the DVLA receive the V5C bits in the post?
I can't believe that it can all be done simply and cheaply by phone or internet - without any hiccups.........

very good point which I've not seen answered in any of the many threads on this subject. From what I've read I *think* it's triggered by the V5C arriving at DVLA for change of keeper, in which case if people do the common sense thing and arrange to buy/sell cars a couple of days before the end of the month in theory it should be possible to avoid paying for the month twice. However, I can see DVLA not being able to cope with the majority of keeper changes all at the same time every month. If the V5 arrives on the 30th but they have a 2 day backlog then they'll process it on the 2nd and the seller will lose a month's VED refund, and a lot of arguments will follow.
Be interesting to see how this plays out.

InsideInsurance

scotsman4th wrote: »

If I take out insurance outside a sellers home at 10am, will that now show up immediately on DVLA's system?

No, personal lines insurers have 7 days to upload it to the MID but valid insurance will no longer be checked at the point of buying car tax as there is now the continuous insurance requirements and so the extra checks at point of taxing the car are a little unnecessary.

Quentin

scotsman4th wrote: »

If I take out insurance outside a sellers home at 10am, will that now show up immediately on DVLA's system?

No

It never did.

But you will be insured should you be involved in an incident at half past ten!