Insurers won't pay out

ROY47

 Yes  I'm the registered keeper on the insurance policy.

Do you have the log book V5C   in your name  ie is the car actually registered in your name at correct address ?

If so you will have had a reminder from DVLA about tax  I get one for my car even though the "tax" is free  I still have to fill

in the paperwork

Car_54

Catbells said:

sheramber said:

Has the car ever been registered to you ?

If not, than rather the probelm being that car is not taxed it couid be that you were not the registered keeper.

Yes  I'm the registered keeper on the insurance policy.

No, “Registered Keeper” means registered with the DVLA. 

Do you have the V5C (logbook), with your name and address? I rather suspect not, or you would have been sent reminders to tax it.

If you haven’t, you need to put that right ASAP.

Jumblebumble

Catbells said:

I bought a hybrid car 18 months ago.  Since then I have had it MOTd but didn't know I had to register it for car tax - even though I don't actually pay any road tax .    I've had a scrape and spoke to someone at my insurers who told me any claim would be invalid because it isn't tax registered.   Is this right?  

I bet whoever told you this would not be prepared to put it in writing as it is made up nonsense
( 

Catbells

Brie said:

Catbells said:

sheramber said:

Has the car ever been registered to you ?

If not, than rather the probelm being that car is not taxed it couid be that you were not the registered keeper.

Yes  I'm the registered keeper on the insurance policy.

But are you registered as the keeper with DVLA?  If so I wonder why you didn't get a tax renewal reminder.

Pretty sure I didn't but will check with them.  Thanks for flagging that.

macman

Of course it still has to be registered for tax: it just happens that the tax rate for that category is zero.
As above, why haven't you received a reminder to tax it, if you are listed as the registered keeper.? Or did you ignore the reminder because the tax due was declared as being £0?
The fine is usually £80 minimum.

Catbells

TooManyPoints - thanks again.  I copied the ombudsman's findings in your post and sent it to my insurers and they are now accepting my claim with no questions asked.   Won't have to pay £1500 for repair.  But will make a complaint about this.