Drive other cars question

anto135

This is gonna probably sound stupid and obvious but if you have drive other cars on your insurance policy does the car you're driving have to be insured by someone else. For instance, if you were driving a car that had no insurance does your drive other car cover you?

Aretnap

Depends on the terms of your policy. Some policies do state that the driving other cars cover only applies if the other car has a policy of its own. Others have no such condition.

forgotmyname

Quite often these days in the terms and conditions it may state that the other car must be insured in its own right. Not all though.

But the other issue is that the uninsured car wont have any valid tax. If uninsured then it should be SORN'd and kept off the road.

System

A common situation where people consider this option is when buying a new car and ask a friend with DOC cover to drive it home for them.


The question that I've never seen satisfactorily answered is at what precise moment does the tax stop when a car is sold?
As far as any official database goes, it's when the DVLA receive the seller's completed V5 document, which might be a week later.
But theoretically has the tax stopped the second you shake hands on the deal? Or when you make payment? Or at midnight?


Does tax run to the hour and minute, or only to the day?

System

The tax can only run to the day because there is nowhere on the V5 to indicate the time that the transfer of ownership took place, only the date.

System

So on the day you buy a car it's old tax will still be valid?

dotchas

No you should retax it before you drive away.

PixelPound

Clifford_Pope wrote: »

So on the day you buy a car it's old tax will still be valid?

Tax is no longer transferable, so on the day its sold, the new owner would need to tax it before you drive it away. Tax can be bought online or over the phone 24 hrs a day.

Sea_Shell

I'd also be worried that the car being driven under DOC, is not in itself covered for damage, it'll only ever provide Third Party cover.

So whose going to pay to replace/repair your car if they have a fault accident??

System

nic_c wrote: »

Tax is no longer transferable, so on the day its sold, the new owner would need to tax it before you drive it away. Tax can be bought online or over the phone 24 hrs a day.

Yes I know that, but we have just been told that tax can only end in complete days, not to the exact time.



Supposing I shake hand with the seller at 10.30 concluding the contract, what is the car's tax status at 10.31?
If I drove it home round the corner and then SORNed it at 10.35, when would the SORN commence?

Zorillo

At the point the seller exchanges it is untaxed. It's their problem they pay for the rest of the day, not yours.