Dealer requires insurance before they can register and tax new vehicle.

Goudy

2pints said:

Goudy said:

Dealers have a list of reg numbers and they will assign one to your new vehicle before they attempt to regisiter it..

When they fill in the V55/4 to register it with DVLA, they add this to the form but before that they give the reg number to you so you can insure it.

If you were doing this yourself say for a personal import, you would leave this blank and DVLA would issue a number at the time of registration but you would still need to insure it before hand.
You usually do this on it's VIN. Most insurance companies allow this for a short period.

They have given me the Reg number and VIN number, but I don''t get why they need me to inform my insurance before they can tax and register it, never had to do that before and as I said, I don't have the delivery date as yet, so cannot really insure until then anyway.

Have a look at form V55/4 from DVLA. There are also some notes on how to fill it in (V355/4), see the supporting documents section.

https://www.gov.uk/government/publications/apply-for-first-vehicle-tax-and-registration-of-a-new-motor-vehicle-v554

It must be insured to tax it, which is done at the same time as registration.

In the past most dealers sold new cars with free 7 day insurance, it's aim wasn't really to help you that much, though it kind of did, but to smooth out this registration process.
The new vehicle could be registered and taxed waiting for you to collect rather than the dealer waiting for you to transfer insurance over from your trade in to the new vehicle, then registering and taxing it.

There is obviously a cost to the dealers for this "free" insurance and some have hit it on the head to save some money.
Now they are wanting you to sort the insurance so they can register and tax the new car which means you usually end up with insuring two vehicles for a short time.

2pints

Goudy said:

2pints said:

Goudy said:

Dealers have a list of reg numbers and they will assign one to your new vehicle before they attempt to regisiter it..

When they fill in the V55/4 to register it with DVLA, they add this to the form but before that they give the reg number to you so you can insure it.

If you were doing this yourself say for a personal import, you would leave this blank and DVLA would issue a number at the time of registration but you would still need to insure it before hand.
You usually do this on it's VIN. Most insurance companies allow this for a short period.

They have given me the Reg number and VIN number, but I don''t get why they need me to inform my insurance before they can tax and register it, never had to do that before and as I said, I don't have the delivery date as yet, so cannot really insure until then anyway.

Have a look at form V55/4 from DVLA. There are also some notes on how to fill it in (V355/4), see the supporting documents section.

https://www.gov.uk/government/publications/apply-for-first-vehicle-tax-and-registration-of-a-new-motor-vehicle-v554

It must be insured to tax it, which is done at the same time as registration.

In the past most dealers sold new cars with free 7 day insurance, it's aim wasn't really to help you that much, though it kind of did, but to smooth out this registration process.
The new vehicle could be registered and taxed waiting for you to collect rather than the dealer waiting for you to transfer insurance over from your trade in to the new vehicle, then registering and taxing it.

There is obviously a cost to the dealers for this "free" insurance and some have hit it on the head to save some money.
Now they are wanting you to sort the insurance so they can register and tax the new car which means you usually end up with insuring two vehicles for a short time.

That could be it, maybe they have scrapped the free insurance since this is my first new car post COVID. Will give him another day or so before phoning again for clarification.

daveyjp

SpudGunPaul said:

daveyjp said:

How it has worked for me for 20 years.

You need insurance to tax a car.  Many main dealers sometimes offer 7 days cover on new and used cars so it can be taxed.

If no 7 day cover is offered you insure the car from the day it is due to be collected.  The car is then taxed online on the day you pick it up and on that day the insurance changes from your old vehicle to your new one.

Do you, who checks you have it?

The VED system checks the insurance database.

Bigwheels1111

Never been asked for insurance for taxing purposes on a new car, all done by dealer.
The only thing they could not do was register it as disabled at point of pick up.
So drove it home and got a tax refund and re registered the car as disabled and taxed at the post office same day.
Needed insurance for that.

diystarter7

Hi OP

We've bought several brand-new cars over the years. We've never been asked about insurance, possibly because we've agreed to the FoC 7-day cover. 

Thanks

Grey_Critic

I wonder if this is the reason so many cars are untaxed?

Ectophile

Grey_Critic said:

I wonder if this is the reason so many cars are untaxed?

Probably not. Vehicles are untaxed because people don't want to pay the tax. Or insurance. Or MOT.

Goudy

If you do have to insure both for a day, your own insurance will likely let you do that, often for free.
If it's longer they will probably charge you a daily fee but once you know dates etc, you'll need to talk to them.

There are also providers that will sell you short term policies, like Tempcover.

I'm with Swiftcover (Axa) and they do let me cross over vehicles for a day, so say I trade in a car on Friday for a new one, they'll cover both that whole day as long as I let them know.

They also allow me to add another vehicle for short periods for a fee. It's not cheap for longer periods but for a day or two it's not too bad.

sheramber

Our insurance covered our old car until 1pm and the new car from 1pm.

diystarter7

Grey_Critic said:

I wonder if this is the reason so many cars are untaxed?

Hi

You don't need insurance to have a car taxed

Thanks