Selling Uninsured Car

Gleedo

Hello all,

I have read a number of threads on here and think I have the general gist of it, but my situation is slightly different...

I have recently lost my driving licence due to an issue with my eyes that DVLA say is too bad to drive (utter tosh tbh)!

Anyways, once I told my car insurance company that I had to surrender my license, the terminated my insurance policy a week later. So then I SORN'd the car.

It looks like my eyes will not improve any time soon in order to reapply for my licence back so I want to sell my car.

Now, I believe I can put tax on my car, but it will be flagged as uninsured?

I was hoping that if I tax it and can sell it quickly, that a potential buyer can drive it under their insurance policy 3rd party only, but after reading some threads on here, it looks as though that is the case as long as the registered keeper of said car (me) also has it insured.....

I guess if nobody can legally drive my car I will either have to keep it and hope my eyes improve OR get ripped off by We buy any car and hope they can collect it....:(

All very confusing....any thoughts appreciated.


EDIT: Just had a thought.....Can I tax the car, and then get a friend to insure my car in their name for it to be legal(ish) for someone with fully comp insurance to test drive my car?

Quentin

You could just buy a day's cover for test drive purposes


Google temporary car insurance

forgotmyname

If you tax it whilst uninsured it will flag up and the buyer will have to tax it anyway so you wasted at least a months worth of tax and risk them sending you a fine for no insurance.

Not all policies cover driving other cars and some exclude those that are not insured. Mine did a couple of years back but this year it didnt have that clause.

foxy-stoat

Keep it SORN, off the road and uninsured.

State in your advert that buyers will need to take out insurance cover for to cover the vehicle before test drives as its uninsured and SORN'd. One day insurance is £25 ish, they can do this over the internet on their phone, if they like it and buy it they can tax it there and then as well. Dont let them drive it without seeing the insurance proof.

You could speak to a local mechanic or garage, they may want to buy it if its cheap enough.

TadleyBaggie

foxy-stoat wrote: »

State in your advert that buyers will need to take out insurance cover for to cover the vehicle before test drives as its uninsured and SORN'd.

There is a problem with that, if the vehicle is on SORN it cannot be driven on a public road (except to/from a pre-arranged MOT test). If the test driver was stopped by the police for any reason, or the vehicle passed an ANPR camera, there could be repercussions.

Gleedo

Thank you for replies thus far everyone

Interesting thought on the temporary one day cover. So is that OK even though the car is SORN?

EDIT : Just saw reply #5 after posting this...

dannyrst

Without any idea of the value of the car, you're probably best just getting it taken to a local dealer (if it's fairly new, low miles you can go main dealer) and most will give cash.

Just get a friend to insure it for a day. As for tax, you'd need someone who understands it better than me to determine whether it would be you or your friend that would be at risk if caught driving without tax. Then you/your friend can decide whether to accept the risk or tax it for a month.

Gleedo

dannyrst wrote: »

Without any idea of the value of the car, you're probably best just getting it taken to a local dealer (if it's fairly new, low miles you can go main dealer) and most will give cash.

Just get a friend to insure it for a day. As for tax, you'd need someone who understands it better than me to determine whether it would be you or your friend that would be at risk if caught driving without tax. Then you/your friend can decide whether to accept the risk or tax it for a month.

It's a 59 plate BMW 118d Sport. Car tax for year is only £30 so not worried about paying that. I did try main dealer but that said it's too old for them to take, so would only end up buying it at ball park auction price (£2000! - I think not lol).

dannyrst

Gleedo wrote: »

It's a 59 plate BMW 118d Sport. Car tax for year is only £30 so not worried about paying that. I did try main dealer but that said it's too old for them to take, so would only end up buying it at ball park auction price (£2000! - I think not lol).

Try a local independant garage that sells cars of a similar age and mileage. They will no doubt offer more plus they will likely give you a ball park figure without seeing the car.

If I was looking at a private sale and the car was SORN and uninsured, I'd keep scrolling or want some serious discount.

Bigphil1474

No point taxing it - as soon as the buyer sends off the V5c, the tax would be cancelled and they'd have to pay for new tax - only takes about a week these days - and if it's not insured, you can't drive it anyway. Trader could cover it on their trade policy for moving or use a transporter.
That car would be worth in the region £7-£8k, maybe a little less trade in value (depending on condition) - your best bet would be a local second hand car dealer where they'd look to be selling it, not a main dealer . If you know any you can trust (lol) or ask friends for recommendations.
Assuming your car is decent condition and not high mileage, to buy it I'd expect to pay well over £7k private, or £8k or more at a dealer - checkout www.honestjohn.co.uk for price guide My brother sells motorbikes, and he often sells other peoples bikes on his forecourt for a small commission - maybe someone local has that option?
Good luck with the eyes.

Herzlos

dannyrst wrote: »

Just get a friend to insure it for a day.

It's not a heavy car, so you may be able to get a local garage or farmer to trailer it a dealership if they agree to look at it.

I'd get an AA report, stick it up for sale at a bit above the WBAC price, and mention it's currently SORN, but you have a report to show it's in good condition.