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Makes sense to me, even if your not using your car over the winter for instance, you still want it covered for damage or loss anyway, My vans insured despite being SORNED and engineless, costs 45 quid for the year, thats a quarter of what the road tax would be.
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Volvo back as my main squeeze, more boost and some interior goodies on the way.
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No problem with that here tbh. I'm not really sure why you'd want to have your car taxed but not insured unless you are trying to get away with driving without insurance and if it helps cut down on uninsured drivers then thats not a bad thing.
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May make selling your car a bit more tricky though.
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May make selling your car a bit more tricky though. Why? if its on a SORN they cant drive it and if its taxed it'd be insured. |
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Volvo back as my main squeeze, more boost and some interior goodies on the way.
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md
Part of things
Posts: 839
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cant see a lot wrong with it as rules go - if it ain't insured, it shouldnt be on the road
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If you buy a new one and transfer the insurance onto new one, means your going to have to sorn the car you want to sell, meaning ther person coming to buy it is going to have to tax it.
I'm all for stopping people driving uninsured but a better way would be to adopt the Ozy way of the road tax carrying 3rd party cover.
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Last Edit: Nov 24, 2010 9:15:07 GMT by joem83
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makes sense to me, you either have a car to drive legally on the roads or you don't have it on the road.....
... although a few years ago I did have road tax on a car but no insurance (but it was kept on my driveway). the reason it wasnt insured is because I was unemployed at the time and wanted to put my premium up, which I didnt agree with on principle. their argument was that I might was a greater risk as I might be driving about more (even though I had a limited mileage policy of 5k miles a year). the only reason I didnt sorn it was because I couldnt be bothered with the paperwork.
wonder how long it will be before the francise to do road tax moves from the post office to the insurance companys. seems like its only a step away from having it added as a part of the iinsurance, a bit like having fuel duty on petrol.
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If you buy a new one and transfer the insurance onto new one, means your going to have to sorn the car you want to sell, meaning ther person coming to buy it is going to have to tax it. I'm all for stopping people driving uninsured but a better way would be to adopt the Ozy way of the road tax carrying 3rd party cover. +1 ive said this for a long time, your tax is in date the police know your covered, and if you want an independant insurance to up it to tpft or fully comp thats up to you, would make life a whole lot easier |
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Last Edit: Nov 24, 2010 9:23:50 GMT by tattoo101
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I have a taxed but uninsured car on my drive at the moment. It belongs to my son who has not passed his test yet, I'd rather not have to untax it because I want it ready to go when he passes....I can also drive it on my classic policy but I but I can't I'm forced to send the disc back. What about people with trader's policies?
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md
Part of things
Posts: 839
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I have a taxed but uninsured car on my drive at the moment. It belongs to my son who has not passed his test yet, I'd rather not have to untax it because I want it ready to go when he passes....I can also drive it on my classic policy but I but I can't I'm forced to send the disc back. What about people with trader's policies? with traders policies i guess when you sell a car to a trader you fill in that bit of the v5 and the car is exempt from being SORNed until a new owner registers the purchase when they buy it of a trader? :/ |
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I had my first car insured and ready to go before i passed my test so that i could drive it if i went out anywhere with the family with my dad sitting next to me, the day i passed i just rang the insurance company and told them and went straight out in it. I'd have wanted it covered anyway though, what if some tiles fell off the house roof onto it, or it got stolen off the drive?
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Volvo back as my main squeeze, more boost and some interior goodies on the way.
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joe90
Yorkshire and The Humber
Posts: 1,027 
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What about people with trader's policies? You just keep adding cars and keep the sorns up to date, i just phone up and they do it their and then, and then send me a list in the post with my updates. Bryan |
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Nov 24, 2010 10:11:16 GMT
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As said, not got an issue with this, even my SORNed cars are insured.
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1937 Austin Street Rod - 1941 Wolseley Not Rod - 1956 Humber Hawk - 1957 Daimler Conquest - 1966 Buick LeSabre - 1968 Plymouth Sport Fury - 1968 Ford Galaxie - 1969 Ford Country Squire - 1969 Mercury Marquis - 1970 Morris Minor - 1970 Buick Skylark - 1970 Ford Galaxie - 1971 Ford Galaxie - 1976 Continental Mark IV - 1976 Ford Capri - 1976 Rover V8 - 1994 Ford Fiesta
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Nov 24, 2010 10:28:28 GMT
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Get a trade policy,far easier,you know your always covered then.can't see a problem with this in principle.after all,sorn was a pain initially but it's part of life now.easy to get round if you forget anyway.
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Nov 24, 2010 11:02:33 GMT
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As said, not got an issue with this, even my SORNed cars are insured. A hypothetical (but entirely plausible) situation. Your Mustang is your only, daily transport. You want to replace the Mustang, but cannot have a 'no car' period You find a replacement car (currently taxed and used on the road), but you have no buyer for your Mustang as yet. You can't buy the replacement car, as you'd have to insure it under a new Policy (you can't transfer the insurance from the Mustang, as it will leave it taxed but uninsured, illegal under the new law). You can't expect the seller of the replacement car to wait around until you sell the Mustang. You could pass on the replacement car, and wait until you found a buyer for the Mustang, but will a suitable replacement be immediately available? What do you do? |
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Last Edit: Nov 24, 2010 11:04:00 GMT by Eidolon
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md
Part of things
Posts: 839
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Nov 24, 2010 11:15:50 GMT
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i'm sure there'll be a grace period which should eliminate most of those occurances...
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Nov 24, 2010 11:37:38 GMT
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It does have it's pros and cons.
I too am worried about the period of being between cars. I've pretty much only ever had one (the same) policy, yet I've had about 5 cars on it now. They just get transfered when I change car...
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RobinJI
Posted a lot
"Driven by the irony that only being shackled to the road could ever I be free"
Posts: 2,995
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Nov 24, 2010 11:45:09 GMT
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Get a trade policy,far easier,you know your always covered then.can't see a problem with this in principle.after all,sorn was a pain initially but it's part of life now.easy to get round if you forget anyway. What if you're not a trader? I currently have my Scirocco taxed but not insured. I'd rather not send the tax back, as I could sell it at any minute, but I can't afford to insure it, because I'm under 25, and therefore am a nun and kitten killing maniac who must be charged ridiculous amounts, plus if I'd taken out a new policy on the MX-5 rather than swapping mine, I'd put my self back 10 months on my no-claims. I wouldn't have a problem with this, if the DVLA could be trusted to wipe their own arses, let alone keep up with people taxing/un-taxing cars every 30 seconds. Or if they'd pay you back the full, exact amount of tax, not to the nearest month. If I declared my scirocco sorned, (due to removing it's insurance), on the 10th of the month, and sold it on the 20th, then I'd be out 20 days worth of road tax, and the buyer would be out 10 days worth due to having to re-tax it strait away so they can drive it home. It's either a stupid, un-thought out system, or a sneaky way of making more money from car tax, without actually putting tax up. As has been said, there's much more sensible ways around making sure everyone's insured. For a start actually punishing they properly when they get caught, I know someone who crashed a car he wasn't insured on, writing off 2 other cars, he received a 2 week ban and a £200 fine. Complete curse word take, that's probably cheaper than it would have been for him to insure the car in the first place. |
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`state
Yorkshire and The Humber
Posts: 1,215
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Nov 24, 2010 11:55:18 GMT
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Its got nothing to do with keeping uninsured drivers off the road.Its just a money making scam yet again from the dvla.All it`ll do is allow them to fine yet more people who have more important things to think about than the masses of paperwork you`ll need to have to even own a car,god forbid.
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Look at all the plastic people who live without a care.Try to sit with me around my table,but never bring a chair.
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