Help please, no V5 for car purchase

SergeantBaker

silvercar said:

diystarter7 said:

Hi

Re private reg

About a year ago when my car was about a year old one of our son's put our private reg on my car - from memory, it was done there and then as we had the v5 and the retention docs - we sent off the old v5 to dvla and got that back quickly as well - its instant during weekdays I think

As I said on this thread a while back, dealers don't often have logbooks/v5 to hand but they can tax a car/etc, its no big deal. However, I'd think twice about buying from an individual unless I could satisfy myself it was ok via my checks and using one of those car details checkers.

Don't forget to change your insurance details, lol.

Thanks

Changing insurance details is an interesting one.

If the sale goes through in the next few days and the car gets picked up quickly I’m tempted not to bother. It’s on the driveway at the moment. My logic is this:
a) if I change the number plate with insurance they may well charge me say £25.
b) I will have a gap between cars of a month at least, so I would need to cancel the remaining time on the insurance, this will also incur a charge. My insurance runs out in February in any case.
c) if I keep the insurance going there is no chance of having a claim from the car being involved in some 3rd party liability claim as the (private) number plate insured isn’t actually on the vehicle, so there is no connection between my private plate, my insurance and the car when sold.
d) if I keep the insurance going until it runs out in February, that’s another year no claims. If I cancel before the year end, I lose the part year. It also means the time I’ve had insurance (for preserving my no claims discount) clock starts a couple of months later.

is my logic correct?

There is a connection between your private plate, insurance and car when sold. So there's a chance of a claim. 

silvercar

SergeantBaker said:

silvercar said:

diystarter7 said:

Hi

Re private reg

About a year ago when my car was about a year old one of our son's put our private reg on my car - from memory, it was done there and then as we had the v5 and the retention docs - we sent off the old v5 to dvla and got that back quickly as well - its instant during weekdays I think

As I said on this thread a while back, dealers don't often have logbooks/v5 to hand but they can tax a car/etc, its no big deal. However, I'd think twice about buying from an individual unless I could satisfy myself it was ok via my checks and using one of those car details checkers.

Don't forget to change your insurance details, lol.

Thanks

Changing insurance details is an interesting one.

If the sale goes through in the next few days and the car gets picked up quickly I’m tempted not to bother. It’s on the driveway at the moment. My logic is this:
a) if I change the number plate with insurance they may well charge me say £25.
b) I will have a gap between cars of a month at least, so I would need to cancel the remaining time on the insurance, this will also incur a charge. My insurance runs out in February in any case.
c) if I keep the insurance going there is no chance of having a claim from the car being involved in some 3rd party liability claim as the (private) number plate insured isn’t actually on the vehicle, so there is no connection between my private plate, my insurance and the car when sold.
d) if I keep the insurance going until it runs out in February, that’s another year no claims. If I cancel before the year end, I lose the part year. It also means the time I’ve had insurance (for preserving my no claims discount) clock starts a couple of months later.

is my logic correct?

There is a connection between your private plate, insurance and car when sold. So there's a chance of a claim. 

Really? How? Say my ex car now registered as AB12 CDE is involved in an accident, to an uninsured driver (as I understand that is the risk). How does that link back to insurance for S11VER?

SergeantBaker

silvercar said:

SergeantBaker said:

silvercar said:

diystarter7 said:

Hi

Re private reg

About a year ago when my car was about a year old one of our son's put our private reg on my car - from memory, it was done there and then as we had the v5 and the retention docs - we sent off the old v5 to dvla and got that back quickly as well - its instant during weekdays I think

As I said on this thread a while back, dealers don't often have logbooks/v5 to hand but they can tax a car/etc, its no big deal. However, I'd think twice about buying from an individual unless I could satisfy myself it was ok via my checks and using one of those car details checkers.

Don't forget to change your insurance details, lol.

Thanks

Changing insurance details is an interesting one.

If the sale goes through in the next few days and the car gets picked up quickly I’m tempted not to bother. It’s on the driveway at the moment. My logic is this:
a) if I change the number plate with insurance they may well charge me say £25.
b) I will have a gap between cars of a month at least, so I would need to cancel the remaining time on the insurance, this will also incur a charge. My insurance runs out in February in any case.
c) if I keep the insurance going there is no chance of having a claim from the car being involved in some 3rd party liability claim as the (private) number plate insured isn’t actually on the vehicle, so there is no connection between my private plate, my insurance and the car when sold.
d) if I keep the insurance going until it runs out in February, that’s another year no claims. If I cancel before the year end, I lose the part year. It also means the time I’ve had insurance (for preserving my no claims discount) clock starts a couple of months later.

is my logic correct?

There is a connection between your private plate, insurance and car when sold. So there's a chance of a claim. 

Really? How? Say my ex car now registered as AB12 CDE is involved in an accident, to an uninsured driver (as I understand that is the risk). How does that link back to insurance for S11VER?

Same way you got your original plate back. There are always links to the cherished and original plates via the DVLA/PNC.