Bank transfer before for car?

Car_54

WellKnownSid said:

GrumpyDil said:

WellKnownSid said:

Car_54 said:

WellKnownSid said:

If it’s a new car they will register and tax it on the day. No reason to do it beforehand. If they don’t provide drive away insurance then you just need to provide a cover note.
…

Why? It's not needed to tax a car any more.

No idea why.  I’ve bought two cars in the last two months from different dealers presumably they just ask for the hell of it? 😄

If on finance I could understand some interest but otherwise 🤷‍♀️

Both cash. Dealer one told me it was needed to tax the car. Dealer two told me it wasn’t needed because it came with 24 hours of insurance. I presume there is a consumer duty thing where they cannot click through the notice that the car needs to be insured. Allowing someone off the forecourt in an untaxed uninsured car because you didn’t check sounds to me to be a legal goldmine…

Proof of Insurance hasn't been needed to tax a car since about 2013. I can't remember the last time a dealer asked me.

Driving off without insurance would certainly be an offence (well, two offences), but that's not the dealer's problem.

baser999

Alanp said:

Why can’t you pay by bank card on the day?, I bought a brand new car last July ( albeit from my local Toyota dealer) they asked me to check with my bank regarding payment, as I wasn’t taking any finance or pcp, the bank told me there’d be no problem just using chip and pin which I did, I didn’t even have to get a verification code even though it was for 13k, as others have pointed out, be careful before handing over any money before hand, if I remember rightly, they had to do something with dvla or someone before I could drive away, but this was done in a matter of minutes…

Same here, paid the main dealer a deposit whilst on site, having agreed the p/ex on ours with balance due on collection. At that stage we’d only seen photos of the car as it had to be moved from another branch in the Midlands. On the day, we checked the car over, all ok, so paid using my debit card; I had to input a verification code but other than that all straightforward. Dealer arranged road fund licence on the day and dealt with paperwork. Few days later I received V5? direct from dvla. 

Wouldn’t want to pay in advance if it weren’t a local main dealer and especially not on a ‘distance’ purchase

Liz08000

Thanks Alanp,

that’s exactly my plan now. Get there , view, ensure previous part exchange agreed. Pay balance and have them DVLA register and road tax it. Drive away.

Grumpy_chap

Car_54 said:

Proof of Insurance hasn't been needed to tax a car since about 2013. I can't remember the last time a dealer asked me.

Driving off without insurance would certainly be an offence (well, two offences), but that's not the dealer's problem.

You need to have insurance to VED the car.
The proof is typically verified by the VED-issuer all online.
Maybe, in the case of new cars, the online record does not update immediately and / or the Dealer simply wants to avoid spending time to obtain the VED unless they have evidence that the insurance is in place first.  A Dealer may not have access to the same online system - I don't know?

I can also see that the Dealer would not want a car driven off the forecourt unless they know it has been insured by the purchaser.  Even the start time of the policy could be relevant to the Dealer.  Say the policy start is 12 noon, the Dealer would not want the purchaser driving off at 11:30 and writing the car off before 12 noon owner's policy is in force and the purchaser then trying to claim on the Dealer's trade policy.

Car_54

Grumpy_chap said:

Car_54 said:

Proof of Insurance hasn't been needed to tax a car since about 2013. I can't remember the last time a dealer asked me.

Driving off without insurance would certainly be an offence (well, two offences), but that's not the dealer's problem.

You need to have insurance to VED the car.

That is simply no longer the case. Whether you tax your car online or at the Post Office, you are not now asked for your insurance details.

AFAIK the requirement was dropped when the continuous insurance law came in. Presumably the DVLA had realised at last that proof of insurance on day 1 was no help at in ensuring the car was covered for the remaining 364 days, and so essentially pointless.

in practice, if the car isn’t insured within a few days the new keeper will get a letter from DVLA threatening prosecution and offering an out-of-court settlement. 

Grumpy_chap

Car_54 said:

Whether you tax your car online or at the Post Office, you are not now asked for your insurance details.
. 

You do  need to have insurance to obtain VED.  You are not asked for it because the online and Post Office check online.
If you try to tax without insurance, the tax won't process

EnPointe

Grumpy_chap said:

Car_54 said:

Whether you tax your car online or at the Post Office, you are not now asked for your insurance details.
. 

You do  need to have insurance to obtain VED.  You are not asked for it because the online and Post Office check online.
If you try to tax without insurance, the tax won't process

exactly this and 'cover notes' are dead as the insurer  generates and  emails you/ your broker if you  use a brisk and morter  broker  a PDF certificate,   'cover notes' really is a  pre internet thing 

Alanp

Regarding insurance. Can you not just ring your present insurer and tell them you will be picking up a new car..?, also, most dealers offer drive away insurance usually for a few days, or you can obtain one day insurance, there are companies that offer this..

HHarry

Car_54 said:

WellKnownSid said:

GrumpyDil said:

WellKnownSid said:

Car_54 said:

WellKnownSid said:

If it’s a new car they will register and tax it on the day. No reason to do it beforehand. If they don’t provide drive away insurance then you just need to provide a cover note.
…

Why? It's not needed to tax a car any more.

No idea why.  I’ve bought two cars in the last two months from different dealers presumably they just ask for the hell of it? 😄

If on finance I could understand some interest but otherwise 🤷‍♀️

Both cash. Dealer one told me it was needed to tax the car. Dealer two told me it wasn’t needed because it came with 24 hours of insurance. I presume there is a consumer duty thing where they cannot click through the notice that the car needs to be insured. Allowing someone off the forecourt in an untaxed uninsured car because you didn’t check sounds to me to be a legal goldmine…

Proof of Insurance hasn't been needed to tax a car since about 2013. I can't remember the last time a dealer asked me.

Driving off without insurance would certainly be an offence (well, two offences), but that's not the dealer's problem.

It could be the Dealers problem - it’s an offence to permit or cause someone to drive without insurance.

https://www.ah-solicitors.co.uk/road-traffic/driving-without-insurance#:~:text=CAUSING%20OR%20PERMITTING%20ANOTHER%20TO,the%20vehicle%20(see%20above).

Car_54

HHarry said:

Car_54 said:

WellKnownSid said:

GrumpyDil said:

WellKnownSid said:

Car_54 said:

WellKnownSid said:

If it’s a new car they will register and tax it on the day. No reason to do it beforehand. If they don’t provide drive away insurance then you just need to provide a cover note.
…

Why? It's not needed to tax a car any more.

No idea why.  I’ve bought two cars in the last two months from different dealers presumably they just ask for the hell of it? 😄

If on finance I could understand some interest but otherwise 🤷‍♀️

Both cash. Dealer one told me it was needed to tax the car. Dealer two told me it wasn’t needed because it came with 24 hours of insurance. I presume there is a consumer duty thing where they cannot click through the notice that the car needs to be insured. Allowing someone off the forecourt in an untaxed uninsured car because you didn’t check sounds to me to be a legal goldmine…

Proof of Insurance hasn't been needed to tax a car since about 2013. I can't remember the last time a dealer asked me.

Driving off without insurance would certainly be an offence (well, two offences), but that's not the dealer's problem.

It could be the Dealers problem - it’s an offence to permit or cause someone to drive without insurance.

https://www.ah-solicitors.co.uk/road-traffic/driving-without-insurance#:~:text=CAUSING%20OR%20PERMITTING%20ANOTHER%20TO,the%20vehicle%20(see%20above).

The dealer is not 'permitting' the new owner to drive the vehicle. It has changed hands, and he no longer has any control over what the owner does.

And he's certainly not 'causing'.