Bought a new car, faulty old cars insurance ran out before I sold it. How to proceed?

Tammykitty

Just sell it as is, it's not worth the repair costs

Silver-Surfer wrote: »

Not unless you added it to your current policy, you be using it without insurance.

I have quoted the wording of the DOC extension to by policy - there is nothing written about it needing to insured.


It may not be legal to drive a taxed car without it having its on insurance, however the driver is still insured if they have DOC cover on another policy

Silver-Surfer_2

Just sell it as is, it's not worth the repair costs

Tammykitty wrote: »

I have quoted the wording of the DOC extension to by policy - there is nothing written about it needing to insured.


It may not be legal to drive a taxed car without it having its on insurance, however the driver is still insured if they have DOC cover on another policy

I think you'll find it states the vehicle may not be owned by you, which it was.

Tammykitty

Just sell it as is, it's not worth the repair costs

Silver-Surfer wrote: »

I think you'll find it states the vehicle may not be owned by you, which it was.

No I said I sold it - didn't say it was mine.


It was actually my mums car (It did used to be mine, but I gave it her)

I sold the car on my mums behalf (And she was with me when I sold me - I just had to do all the work, and she signed her name)

BeenThroughItAll

Tammykitty wrote: »

I sold a car yesterday, that hadn't been insured since Sunday, didn't sorn it as I knew it would sell quickly. (And that would just create extra paperwork) So it was still taxed, and MOT'd, and I could in theory drive it under my own DOC extension (I didn't actually - the buyer took it for a test drive on my private lane only)


Car has now been transferred to the new owner.


I think the new rules make it impossible to be fully legal buying a new car,


My mum bought a new car on sunday, was insured and MOT'd but probably not taxed (unless the old owner hadn't sorned it). I tried to tax it online, but couldn't - so had to go the post office on Monday morning.


I would drive without tax if there was no reasonable alternative, but would never drive without insurance at all.

Those 'new' two year old rules don't make it anything of the sort. I've bought six or seven vehicles since they came in, and every one of them has been insured, MOTd and taxed before I've driven them away from the seller's house or forecourt.

Tammykitty

Just sell it as is, it's not worth the repair costs

BeenThroughItAll wrote: »

Those 'new' two year old rules don't make it anything of the sort. I've bought six or seven vehicles since they came in, and every one of them has been insured, MOTd and taxed before I've driven them away from the seller's house or forecourt.

They do when you live in Northern Ireland, as you can't tax online when you are a new owner. So you can't buy a car and drive it home taxed at the weekend.


Even if you could tax online, you would need internet access to do so, which you won't always having when buying a car privately.


buyer from a dealer, yes, you can wait a few days until the paperwork is in order.


Buying Privately, the owner probably won't keep the car for 2 days while you get the paperwork sorted

BeenThroughItAll

Tammykitty wrote: »

They do when you live in Northern Ireland, as you can't tax online when you are a new owner. So you can't buy a car and drive it home taxed at the weekend.

Even if you could tax online, you would need internet access to do so, which you won't always having when buying a car privately.

buyer from a dealer, yes, you can wait a few days until the paperwork is in order.

Buying Privately, the owner probably won't keep the car for 2 days while you get the paperwork sorted

I can't find any evidence on DVLA's website that the online taxation system doesn't work in NI for V5C/2? I'm sure you're right, but I'd love to know why DVLA don't say anything about it.

That aside, however, there's always the telephone. I'm *pretty* certain they have those in NI? Alternatively, why not just pop to the post office?

I'm sorry, but "I live in NI and the online system doesn't work so I'm going to drive illegally" doesn't wash with me.

Tammykitty

Just sell it as is, it's not worth the repair costs

BeenThroughItAll wrote: »

I can't find any evidence on DVLA's website that the online taxation system doesn't work in NI for V5C/2? I'm sure you're right, but I'd love to know why DVLA don't say anything about it.

That aside, however, there's always the telephone. I'm *pretty* certain they have those in NI? Alternatively, why not just pop to the post office?

I'm sorry, but "I live in NI and the online system doesn't work so I'm going to drive illegally" doesn't wash with me.

Confirmed here - In Northern Ireland you need to go a post office - https://www.gov.uk/vehicletaxrules


You can't tax it in the post office until you have the V5C/2 - ie: After you have bought the car.
The post office will not be open when you buy a car evenings and weekends, which is when most private sales happen.

BeenThroughItAll

Tammykitty wrote: »

Confirmed here - In Northern Ireland you need to go a post office - https://www.gov.uk/vehicletaxrules


You can't tax it in the post office until you have the V5C/2 - ie: After you have bought the car.
The post office will not be open when you buy a car evenings and weekends, which is when most private sales happen.

All the post offices I can think of are open on Saturday mornings. Or is that another thing that is different in NI?

Regardless, none of these things are excuses. Buy a car during the day when the PO is open. Driving it around without tax is not the answer.

My point still stands - the 'new' rules do NOT make it impossible to buy a car completely legally.

EpicFishFingers

Although I disagree with the idea that it's impossible to sell a car legally, when any of the big 3 have run out (insurance, tax, MOT), it is a bit of a nightmare.

With mine the insurance ran out about 4 days before I SORN'd it - I thought it was only untaxed vehicles that needed to be declared SORN, however I later found out it's either tax or insurance running out that requires it. Insurance for me is £700+ for a year, which is even more than any fine they'd slap me with, so SORN it was.

Then there was the tin-pot temporary insurance I got to get the car to the MOT garage - turns out that doesn't actually cover vehicles that don't have a valid MOT, so the car was technically uninsured. All the temporary insurances stipulated this, and I'm sure most annual insurances would too, thus making it impossible to get a car to the garage for an MOT legally once it's run out... this can't be right.

Then the garage offered to drive it back home but during that period it was technically untaxed too. I just bought tax and it "starts" on the 1st August, so I guess I'm back-covered for that drive.

So that's 3 different ways I've possibly broken the law while trying to deal with this car, one of which I couldn't have done anything about if there is no get-out clause in law; the other two were mistakes on my part but easy mistakes to make, I believe.

WBAC arbitrarily reduced my valuation to £608 when I went on to check it and clicked "update details", to just check the "tick-over fault" had been included. It had, so I just clicked "finish" or whatever and it fell to £608. So don't mess with your quote just to check you entered it right - even if you change nothing, the price will fall.

The MOT garage denied damaging my passenger door, so I'll have to touch it up as best as I can before selling it. At least the primer is intact

Tammykitty

Just sell it as is, it's not worth the repair costs

BeenThroughItAll wrote: »

All the post offices I can think of are open on Saturday mornings. Or is that another thing that is different in NI?

Regardless, none of these things are excuses. Buy a car during the day when the PO is open. Driving it around without tax is not the answer.

My point still stands - the 'new' rules do NOT make it impossible to buy a car completely legally.

Some post offices are and some aren't.


Even if you bought a car on a Saturday morning or when the post offices are open, do you leave it at the sellers house, drive to the post office and tax it, and then go back and collect it?


The seller won't want it on his property after selling, so it will be on a public road, and therefore also illegal.


the rules make it very difficult, and very near impossible. When selling a car. I didn't process the transfer of ownership online until about an hour after the seller the left, so there was still tax on it to get him home.