New Car No Tax Disc

Wig

Keith wrote: »

As above I'd have driven it home without tax.

It's worth doing a vehicle enquiry on a car you buy via dvla, we bought one and discovered it was still taxed but did not have a disc, we drove it for the next few days until the docs came and we could buy a valid disc.

That's an excellent point, which I had forgot to mention. If the vehicle is taxed but someone is in the process of cashing it in, the only offence you commit is failure to display. You can check via the DVLA website.

Wig

harz99 wrote: »

Well I sincerely hope that an uninsured driver does not run into you at some stage, leaving you in pain, unable to work or enjoy life!

Or there again, maybe I am lying and hope that your idiot views actually do end up biting you.

There is no such thing as an uninsured driver in the sense that all cars are covered either by a current policy, or an expired policy If the policy is expired the MIB will cover the claim and I believe it is then re-directed to the previous insurance company to pay for the claim (but I'm not sure about that bit and it doesn't matter anyway - because the point is the claim will be met through the MIB system.).

If it is a current policy which the insurer, holds up their hands to say (for example like Endsliegh no MOT = we won't insure you) They are still required under the Road Traffic Act to provide a minimum of cover TPO to cover the innocent victims of the accident. Hence why ultimately whatever the policies say about MOT VED roadworthiness, they still have to cover the claim.

I love you too.

Conor_3

Wig wrote: »

You would not be legal to drive it or tow it home. If it is not too far and you can do it under cover of darkness, you might aswell go for it, I doubt you will be caught.

Except by the ANPR camera network on the UK main roads...

Tozer

Wig wrote: »

Why the heck not? If the law is an A$$ why should I or any one else give a damn.

What a bizarre statement. So do you condone opting in and out of law as you see fit?

harz99

Wig wrote: »

There is no such thing as an uninsured driver in the sense that all cars are covered either by a current policy, or an expired policy If the policy is expired the MIB will cover the claim and I believe it is then re-directed to the previous insurance company to pay for the claim (but I'm not sure about that bit and it doesn't matter anyway - because the point is the claim will be met through the MIB system.).

If it is a current policy which the insurer, holds up their hands to say (for example like Endsliegh no MOT = we won't insure you) They are still required under the Road Traffic Act to provide a minimum of cover TPO to cover the innocent victims of the accident. Hence why ultimately whatever the policies say about MOT VED roadworthiness, they still have to cover the claim.

I love you too.

And even if one accepts your logic, which I don't, the law abiding motorist will end up paying for all this via the portion of his/her insurance that goes to fund the MIB claims...so thanks very much, again!

custardy

Keith wrote: »

As above I'd have driven it home without tax.

It's worth doing a vehicle enquiry on a car you buy via dvla, we bought one and discovered it was still taxed but did not have a disc, we drove it for the next few days until the docs came and we could buy a valid disc.

however non display is still an offence

Altarf

flutterbyuk25 wrote: »

Officially the Post Office should not accept a printed covernote from the internet, it must be an official one with a watermark. though it does depend on how much attention the PO clerk pays to it when they look at it. Best thing is to get insurance company to post it out to you for next day delivery and go back and pick up the car the next day.

I believe that you are wrong for two reasons.

Firstly, the legislation never envisaged the situation of insurance companies offering insurance over the internet and people printing the insurance certificate that the insurance company 'sends' them electronically. Hence since the certificate that is printed has been issued it is perfectly valid. There are several insurance companies who only 'send' the certificate online for you to print and never send a printed copy (unless you cannot print one). For example http://www.its4me.co.uk/ which is part of the Swinton group.

Secondly, I still use a traditional high street insurance broker (who always manages to beat any online quotes, so keeps my business). The insurance certificate that I am issued with by the insurance company, is actually printed out by the broker whilst you are in their office. The certificate is a black and white print on plain paper (no watermark) printed on on a standard laser printer. It would be impossible to distinguish it from something that I printed at home.

franklally

flutterbyuk25 wrote: »

Officially the Post Office should not accept a printed covernote from the internet, it must be an official one with a watermark.

I'm with swiftcover and just print off my insurance cover note and take it to the post office.

I bought my last tax disc online so didn't need insurance details at all.

All the details seem to be held centrally now so it is registered somewhere my car is taxed and mot-ed.

oldagetraveller

Wig wrote: »

I didn't even know you could print off a covernote from the internet.

With Swiftcover there is not even any need for a covernote. The full certificate of insurance is available to print off as soon as the insurance application is completed online and it is accepted by the P.O.
I purchased a car some time ago and a weeks temporary insurance was provided through Norwich Union via the dealership just to get the car taxed and driven home. The temporary covernote was printed out at the dealers on plain A4 paper and used to tax the vehicle at a P.O.

custardy

oldagetraveller wrote: »

With Swiftcover there is not even any need for a covernote. The full certificate of insurance is available to print off as soon as the insurance application is completed online and it is accepted by the P.O.
I purchased a car some time ago and a weeks temporary insurance was provided through Norwich Union via the dealership just to get the car taxed and driven home. The temporary covernote was printed out at the dealers on plain A4 paper and used to tax the vehicle at a P.O.

it depends on the PO.
i know of a few dealers who can do this as they are known to their local PO.
however a PO is within their rights to refuse a home printed covernote/policy