How long do you have to tax a vehicle?

Mildly_Miffed

vacheron said:

matt_drummer said:

A 20 year old car does as much damage as a 20 minute old car.

You could also argue that a 20 year old car does not have many of the safety features of a more recently built car.

I always use the (hypothetical) example of an infinite line of personal injury lawyers standing at a bus stop. 

The question is how far down the line would your car get before coming to a stop! This is a combination of speed, mass and a little to do with some car safety features and the cost of repairing the car (but this is insignificant compared to the third party damage costs)!

Light x Slow x New = Cheap

Fast x Heavy x Older = Expensive   

The older car would, in most cases, just be written off out-of-hand for even very minor damage = very cheap
A newer car would not only have the repair costs, but hire car costs while it's being repaired = gets expensive quickly

B0bbyEwing

Keep_pedalling said:

There is no grace period, the tax should have been paid at the same time as the pointless  change in registered keeper. 

Got to get that in there eh? 

I didn't ask when it "should" have been paid either. 

Thanks for attempting to answer the question though. 

B0bbyEwing

matt_drummer said:

B0bbyEwing said:

Also I don't suppose any of you are with Direct Line by any chance? 

What's going on with their pricing? They're having a laugh! I've ve been with them for 5yrs and they've consistently been the cheapest but not this year. 

My renewal was £500. Ridiculous on a 20yr old car. 
Comparison site got me £250.

Wife got quoted £920 on a 13yr old car, nothing special about either of these. Nothing sporty. 

Comparison site got her £290. Legal protection add on: £315.

Way way off the mark for 2 people in their 40s with 13 & 16 yrs NCDs.

Insurance isn't really for the value of the car.

The main risk is that you kill or seriously injure somebody.

A 20 year old car does as much damage as a 20 minute old car.

You could also argue that a 20 year old car does not have many of the safety features of a more recently built car.

So in short you've no idea why Direct Line are so ridiculous with their pricing this year vs many other big name companies? 

matt_drummer

B0bbyEwing said:

matt_drummer said:

B0bbyEwing said:

Also I don't suppose any of you are with Direct Line by any chance? 

What's going on with their pricing? They're having a laugh! I've ve been with them for 5yrs and they've consistently been the cheapest but not this year. 

My renewal was £500. Ridiculous on a 20yr old car. 
Comparison site got me £250.

Wife got quoted £920 on a 13yr old car, nothing special about either of these. Nothing sporty. 

Comparison site got her £290. Legal protection add on: £315.

Way way off the mark for 2 people in their 40s with 13 & 16 yrs NCDs.

Insurance isn't really for the value of the car.

The main risk is that you kill or seriously injure somebody.

A 20 year old car does as much damage as a 20 minute old car.

You could also argue that a 20 year old car does not have many of the safety features of a more recently built car.

So in short you've no idea why Direct Line are so ridiculous with their pricing this year vs many other big name companies? 

Maybe there is something about you, your car or where you live that makes them less keen to offer you insurance than some other insurers.

Insurers appetite for risk changes all the time.

The point was that the value of the car is not the only metric in arriving at the premium.

Many of the risks of a car being on the road bear little relation to the age of the car.

It was a helpful comment for you and others that the age and value of the vehicle is not the most important part, that was all you mentioned, the age and value of your cars.

Haven't you had at least one total loss insurance claim recently, in the last few months?

Maybe that had something to do with it?

born_again

Mildly_Miffed said:

vacheron said:

matt_drummer said:

A 20 year old car does as much damage as a 20 minute old car.

You could also argue that a 20 year old car does not have many of the safety features of a more recently built car.

I always use the (hypothetical) example of an infinite line of personal injury lawyers standing at a bus stop. 

The question is how far down the line would your car get before coming to a stop! This is a combination of speed, mass and a little to do with some car safety features and the cost of repairing the car (but this is insignificant compared to the third party damage costs)!

Light x Slow x New = Cheap

Fast x Heavy x Older = Expensive   

The older car would, in most cases, just be written off out-of-hand for even very minor damage = very cheap
A newer car would not only have the repair costs, but hire car costs while it's being repaired = gets expensive quickly

There is also you may not be bothered about anymore dents etc in a old car, compared to a new car. So a driver of a new car will be more careful.

TonyMMM

I was with Direct Line for years but their renewal last year was way up on previous cost, so I bought elsewhere.

This year I've gone through confused.com and am back with Direct Line again ( with a much cheaper price than getting a quote from them direct).

Keep_pedalling

B0bbyEwing said:

Keep_pedalling said:

There is no grace period, the tax should have been paid at the same time as the pointless  change in registered keeper. 

Got to get that in there eh? 

I didn't ask when it "should" have been paid either. 

Thanks for attempting to answer the question though. 

The title of your thread asks how long you have to tax a vehicle, and I think I provided an accurate answer to that question. 

jimjames

For future reference if you need to do this again then doing so by changing owner on the last day of the month then you'll be able to do tax the car on the first day of the next month to save taxing it across both months.

B0bbyEwing

Keep_pedalling said:

B0bbyEwing said:

Keep_pedalling said:

There is no grace period, the tax should have been paid at the same time as the pointless  change in registered keeper. 

Got to get that in there eh? 

I didn't ask when it "should" have been paid either. 

Thanks for attempting to answer the question though. 

The title of your thread asks how long you have to tax a vehicle, and I think I provided an accurate answer to that question. 

I disagree & since I'm the one asking for the help that makes me correct. 

I think it was pretty clear what I'm asking. 

So if you do the V5 switch on a Monday then I'm pretty sure you should still be able to tax it on the new keepers slip on the Tuesday. In fact I know this is correct as I've done it myself. 

But obviously there comes a cut off point & it's this that I was asking about. 

"pointless change" is an irrelevant comment. I decide whether it's pointless or not & that's what I chose to do. 

Yes tax should be paid the moment you get the car but I wasn't asking that (pretty key here!) and I also explained why that didn't happen. Does it make it right? No. If I got pulled then would they care? Maybe, maybe not. I suspect someone like yourself would give a ticket regardless, someone else less so maybe. 

But anyway, it should be super clear now what I was asking. 

B0bbyEwing

TonyMMM said:

I was with Direct Line for years but their renewal last year was way up on previous cost, so I bought elsewhere.

This year I've gone through confused.com and am back with Direct Line again ( with a much cheaper price than getting a quote from them direct).

I figured £920 was way too much for them to drop from for them to be worthwhile seeing what a new quote would be. 

£300 is more realistic. 

And for the write off comment in the thread - yes true but the write off has been declared on the £300 quote also. 

Anyway I guess Direct Line just have different criteria & we're not a fit this year.