Neighbour has no car tax

[TW]Fox;19299690 said:
What uninsured motor, she is driving an untaxed vehicle, not an uninsured one.
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I'm about 99.999999999% certain that if an insurance company found out a vehicle was untaxed (and therefore legally unroadworthy) when investigating a claim, they would declare the insurance invalid and refuse to pay. Similarly if it was un MOT'd. They dont need much to refuse a claim.
 
Liampope said:
I'm about 99.999999999% certain that if an insurance company found out a vehicle was untaxed (and therefore legally unroadworthy) when investigating a claim, they would declare the insurance invalid and refuse to pay. Similarly if it was un MOT'd. They dont need much to refuse a claim.
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The cars taxation status will not 'declare the insurance invalid'

Why do people keep saying this?

Either stop saying it, or quote the Road Traffic Act where it allows an insurer to refuse cover against third party risk if the owner hasnt got a tax disc in the window :rolleyes:

They need a hell of a lot to refuse a claim made by a third party, actually. What is it with the internet and people being certain about absolute rubbish?
 
I'd be pretty sure the insurance T's and C's would state the car must have a valid moT and be taxed to be used on the road otherwise the insurance would be considered invalid.
 
"I've been involved in an accident and discovered my vehicle tax has expired, will this void my insurance?"

"Possibly. Although the situation is not ideal, lack of a road fund licence does not give an insurer adequate reasons to void a policy, unless the reason that the tax had not been renewed is because the vehicle was unroadworthy."


taken from http://www.motorlawyers.co.uk/offences/vehicle_tax.htm
 
Possibly. Although the situation is not ideal, lack of a road fund licence does not give an insurer adequate reasons to void a policy, unless the reason that the tax had not been renewed is because the vehicle was unroadworthy.
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So essentially what this says is that regardless of whether the car is taxed or untaxed if it is unroadworthy the insurance will be invalid. This can be shortened to :
If the vehicle is unroadworthy the insurance will be invalid.
 
[TW]Fox;19299784 said:
Either stop saying it, or quote the Road Traffic Act where it allows an insurer to refuse cover against third party risk if the owner hasnt got a tax disc in the window :rolleyes:
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Laws tend to be lists of things that are not allowed, not lists of things that are allowed (or they'd go on a bit). So can you quote the Road Traffic Act where it says an insurer must not refuse cover against third party risk if the owner hasn't got a tax disc?

[TW]Fox;19300514 said:
Well what a shocker.
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Way to cherry pick quotes. Did you notice the first word of that answer, which was 'possibly'. It's really not as black and white as you seem to think. Perhaps you'd like to be a test case? :)
 
Liampope said:
Laws tend to be lists of things that are not allowed, not lists of things that are allowed (or they'd go on a bit). So can you quote the Road Traffic Act where it says an insurer must not refuse cover against third party risk if the owner hasn't got a tax disc?
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That's not how debating works, you don't just make assertions and then when someone asks you to back it up, you just tell them to prove the opposite :p
 
It explains why it says 'possibly' - for situations where the lack of road tax is because the vehicle itself isn't roadworthy. Not because the vehicle is unroadworthy due a lack of road tax.

It's simple - no road tax doesnt void insurance. There is no logical reason why it should, either. It doesnt make the car more likely to be stolen nor could it contribute to an accident.

So can you quote the Road Traffic Act where it says an insurer must not refuse cover against third party risk if the owner hasn't got a tax disc?
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Err surely covered by the section which states they MUST provide cover irrespective? Even if you are drunk they must pay out to the third party, so road tax isn't going to be an issue.
 
The whole no tax no insurance is an urban myth been doing the rounds for many years.
 
Tysonator said:
sooner or later she will drive pass a VOSA van and will receive a fine in the post. nice
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Interesting point on this - I had a DVLA transit with ANPR cameras on all 4 corners of the roof come down my road the other day - I'm assuming looking for untaxed/uninsured cars?

Since when have they been doing this? I thought they only had the roadside ones?
 
Remind her that it needs taxing and take it from there. If she doesn't do anything shop her. If she comes looking for you, all you need say is that you warned her. There's no way she can link it back to you.
 
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