Road test ... no tax. Help please.

Warwick_Hunt

PhilStation wrote: »

If the car is not taxed it cannot be driven on the road, unless in exceptional circumstances which do not include a test drive.

A condition of a motor insurance policy will be that the car is taxed or else there would be no cover, in which case, the car is uninsured.

We are not talking about a trader here, we are talking about a private sale.

Rubbish, you’ve just made that up.

PhilStation

Warwick_Hunt wrote: »

Rubbish, you’ve just made that up.

8 years experience in motor insurance tells me that.

If your car is insured but not taxed, the only way you can drive it on the road is to an MOT testing station. Anything else would be outside the terms of the policy.

Warwick_Hunt

PhilStation wrote: »

8 years experience in motor insurance tells me that.

If your car is insured but not taxed, the only way you can drive it on the road is to an MOT testing station. Anything else would be outside the terms of the policy.

No, it’s not.

You can drive it home even if it fails the mot.

PhilStation

Warwick_Hunt wrote: »

No, it’s not.

You can drive it home even if it fails the mot.

That made me laugh, thanks for that!

Warwick_Hunt

PhilStation wrote: »

That made me laugh, thanks for that!

So given your 8 years in insurance under what do they void your policy once your tax expires.

PhilStation

Warwick_Hunt wrote: »

So given your 8 years in insurance under what do they void your policy once your tax expires.

Nope, they just screw you over when you have a crash or you get stopped by the police and they make a call. It ain't pretty, and as is often the way, its the naive / unlucky, but otherwise good people that tend to get hit the hardest.

Warwick_Hunt

PhilStation wrote: »

Nope, they just screw you over when you have a crash or you get stopped by the police and they make a call. It ain't pretty, and as is often the way, its the naive / unlucky, but otherwise good people that tend to get hit the hardest.

That’s rubbish, they can’t cancel or void a valid policy due to lack of tax. If it’s shown as being insured but doesn’t have tax the police will not call the insurance company.

PhilStation

Warwick_Hunt wrote: »

That!!!8217;s rubbish, they can!!!8217;t cancel or void a valid policy due to lack of tax. If it!!!8217;s shown as being insured but doesn!!!8217;t have tax the police will not call the insurance company.

:rotfl:

They will cancel the insurance because you are using your vehicle outside the terms of the policy.. The terms being that the vehicle must be taxed / MOT'd, in a safe condition etc etc.

Oh and as for the police, yes they often do. After they have made you walk home and seized your car, they will make a call to the insurers to verify the policy details and after disclosing the reason for the call, you will find yourself hearing from your insurers in due course.

ANYWAY.... we are going off track.

OP, If I was you, I just wouldn't buy it, ultimately, if you choose to risk it, you have to accept the consequences. Yes the chances are you would get away with it, but what if you didn't?

TooManyPoints

A condition of a motor insurance policy will be that the car is taxed or else there would be no cover, in which case, the car is uninsured.

Will it? Perhaps you could point us to one. And that's without considering that insurers cannot void Third Party cover required under the RTA for such a trivial reason. What you are suggesting is that if an owner allows his car RFL to lapse by a few days before renewing it he would be driving uninsured.If that was the case, every driver caught by the police driving an untaxed vehicle will also face the far more serious charge of driving without insurance. A trip to your local Magistrates' Court on a day when they are dealing with DVLA matters will demonstrate that this is patently untrue.

Warwick_Hunt

PhilStation wrote: »

:rotfl:

They will cancel the insurance because you are using your vehicle outside the terms of the policy.. The terms being that the vehicle must be taxed / MOT'd, in a safe condition etc etc.

Oh and as for the police, yes they often do. After they have made you walk home and seized your car, they will make a call to the insurers to verify the policy details and after disclosing the reason for the call, you will find yourself hearing from your insurers in due course.

When in a hole the best advice I can give you is to stop digging.

Have a read of Section 165.