New insurance requirements

[Deleted member 66701]

errm no you can't.
I couldn't even get it on a 7day Aviva cover, had to wait looking at the car for 2-3 days until I sorted proper insurance.

Erm, yes you can. Unless the 3 times I've done it were in a dream.

 

[[TW]Fox]

I can get the Westy insured for £4 a day or the Lexus for £6 a day.

For one day?

Where?

 

[Stuff]

Oh interesting. I currently have a car on the driveway that's taxed, but uninsured... When does this come into effect, or is it already? Haven't had a letter or anything about it yet.

 

[Liquidfox]

That's the confusing point, nobody seems to know any dates. I'd presume it meant right now, but they might leave a few months lee-way

EDIT: It says Early 2011, so it seems like it's not yet.

 

[Deleted member 66701]

For one day?

Where?

Sureterm.

RAC even do it from £10 a day - I've used them once before when I couldn't get through to Sureterm computer system was down (not a sinlge day policy - it was a week which came in at £32 iirc).

http://www.rac.co.uk/day-insurance/

 

[[TW]Fox]

The charges will be relating to failiure to declare sorn not the insurance, as it isnt an offence.

 

[Deleted member 66701]

The charges will be relating to failiure to declare sorn not the insurance, as it isnt an offence.

Yes, but if the vehicle is taxed you don't need to declare a SORN.

However the new rules will fine you for not having insurance on a taxed vehicle - thus the fine is for no insurance, not for declaring a SORN.

 

[monkey_boy]

Either Fox is missing the point or the rest of the people in the thread have misunderstood the OP. I'm not sure which though :S.

 

[[TW]Fox]

However the new rules will fine you for not having insurance on a taxed vehicle - thus the fine is for no insurance, not for declaring a SORN.

Has there been an amendment to the Road Traffic Act? IIRC without this, there is no ofference of having a car without insurance parked on a driveway, therefore you cannot be fined for no insurance.

Therefore I suspect its worded in a way to make people think both things are bad when in reality the fines involved are offences relating to not SORNING a vehicle.

Just look at the fines involved. There is no mention of points, there is even a mention of a fixed penalty notice. You cannot deal with offences of no insurance by way of a fixed penalty notice, and it almost always carries quite a few points..

The very concept of requiring insurance on un-used cars is just a non starter. For almost a year I had a broken Mondeo parked on the drive. It was nowhere near a public road, it didnt work, it was declared SORN. It would be completely unreasonable to expect a third party insurance policy to be in force on that car, and would acheive nothing.

 

[siandtina]

They are saying that every vehicle will either have to be insured or declared SORN. So for the broken Mondeo on the drive that was declared SORN there is no problem. If it wasn't declared SORN then you would have to have insurance on it.

There is no mention of points I assume because you aren't in control of a car without insurance. It is sitting on the driveway. You can choose whether you declare it as SORN or whether you insure it.

 

[[TW]Fox]

Of course you are so control of a car without insurance. Park one on the road and you get points.

 

[Phate]

Yes but you can no longer have a vehicle Tax'd, and without insurance, even if it is going to be kept off the road.

Thats not good for people like my sister who keeps both vehicles taxed but changes the insurance over as and when she needs to use the other vehicle. (Both are never parked or kept on a public road for that matter when not being used)

 

[Dup]

You can cash in your tax and SORN in the same letter so it's not that much of a ballache. Done it for the Roadster while I can't drive it. Got myself £70 too

 

[Deleted member 66701]

You can cash in your tax and SORN in the same letter so it's not that much of a ballache. Done it for the Roadster while I can't drive it. Got myself £70 too

It is if you want to cash the tax in early in the month - you lose that whole months tax as they only refund you for complete months.

Plus, it'll be a pain walking down to the PO, completing the paper work. Then having to retax it all over again at the PO a few weeks later if you decide you want to drive it again.


Of course, this new rule wouldn't be a problem at all if the RFL was incorporated into fuel duty or insurance tax - like other countries.


I suppose one way around this is to SORN it, then tax it with cash. If you get a letter stating "you've got a vehicle that's taxed but not SORN'd" you just produce the SORN confirmation. If they state you taxed it after the SORn say "no I didn't - prove it". How could they prove you DID re-tax it?

 

[Cristian]

The dealership that i bought my car from got me tax on a one day cover note

Erm, yes you can. Unless the 3 times I've done it were in a dream.

Well apparently question no.3 here on the 7 day Aviva cover faq says no.
http://www.aviva.co.uk/short-term-car-insurance/frequently-asked-questions.html

depends who pernickety your post office operative is

ah, so they ladies at the PO didn't like me when I asked and they said the same thing as aviva's website.

I guess it's a gray area and I wasn't too lucky.

 

[Deleted member 66701]

I guess it's a gray area and I wasn't too lucky.

I guess so! Thanks for providing the link - learn something new every day!

Let's hope my local PO staff don't go on any training courses!

It's carp isn't - you try and buy something that is legally required and they place so many obstacles in your path - I mean - I'M TRYING TO BUY TAX - NOT AVOID IT!

 

[Peerzy]

I've heard of issues with people trying to buy tax when they only have a few days left on an MOT or insurance. Online it always works but the post office seem to have issues sometimes.

 

[Deleted member 66701]

I've heard of issues with people trying to buy tax when they only have a few days left on an MOT or insurance. Online it always works but the post office seem to have issues sometimes.

It's always the opposite way round for me - if my insurance runs out within a couple of week after the tax is due it wont let me do it online.

 

[PMKeates]

This is interesting. My family are in and out of dozens of 'uninsured' (and by that I mean, there is no specific policy relating to that vehicle in force) but taxed vehicles. Both of my parents are part of a business policy that covers all vehicles owned by the business for business and something like 'short term' personal use, with 'long term' personal use requiring the vehicles to be specified (not sure on the exact thresholds). The reality is that my dad, for example, may change the car he is driving to and from his site or a customer or an auction intra-daily.

I only hope that when a car is sold to a dealer (which the DVLA are notified of) it will be taken off of this automated mailing list, due to the frequency with which dealers will have insurance policies covering multiple unspecified vehicles.

 

[Alibaba99]

This also affects people with competition vehicles which compete in 'road-going' classes as they use the presence of the tax disk to show that the vehicle is roadworthy (ie it has an MOT). They are either run totally on private ground (tracks, airfields) or if they are used on the road during the event the event itself covers the insurance.

Previously the car would be trailered to the MOT station, the tax would be gained using a cover note, and then the car would be trailered to the competitions.

These new regulations would require insurance to be purchased for a car which doesn't need it.