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Nov 24, 2010 16:23:25 GMT
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Nov 24, 2010 16:24:17 GMT
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I'm quite willing to be shot down on this but, even if your motor insurance allows you to drive other cars, that car must still have been insured in another persons name. Otherwise if caught by a ANPR camera, it would come back as un-insured. Urban Myth, a vehicle does not have to have an Insurance Policy bearing its Registration Number to be legally driven on the road IF you have a Policy which allows you to drive other vehicles not owned by you. Yes, the ANPR will flag the car as Uninsured, but if you can subsequently prove that the vehicle was covered Third Party under a 'drive any car' clause on your Policy, no offense will have been commited. Sorry but not urban myth. Law changed a year or so ago so all cars on the road must have insurance even if driven by someone other than owner on their "driving cars not belonging to you" clause. It is also "supposed" to be "in cases of emergency" and not a regular thing although I don't know how that could be enforced. I think the only exception is vehicles within the motor trade and covered by a traders policy - and normally they have to inform insurer of any vehicle they keep for more then a certain number of days. Paul H.
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skinnylew
Club Retro Rides Member
Posts: 5,546
Club RR Member Number: 11
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Nov 24, 2010 17:37:41 GMT
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No, no, no. This is sooooo annoying. Yes i can understand the need to crack down on uninsured motorists but this is going to be a ball ache for me. Why? I have my Polo locked away in a nice cosy garage for the winter, i taxed it for the year in april so its got 5 months still on it, its mot'd as well. But not insured. I don't use it over the winter (salt, poor heater etc) HOWEVER it is my back up car just in case my daily breaks. In this case (as mine did last year) I insure it on temporary insurance (Tempcover) as it is only for a day or two whilst my daily is fixed. To get around this now though they are saying i will have to cash the tax in, then take out a temp policy go to the Post office, get tax, then use the car for a few days, then send the tax back to the DVLA after a day or two. Stupid. Pointless. Its basically forcing me to insure a car that for 4 months of the year i 99% won't use grrrrr. I wouldn't mind if it was just the one car that was like that but I have two 'back up' cars that I use like this. ![:(](//storage.proboards.com/forum/images/smiley/sad.png) oh well looks like a further fleet reduction has been imposed on me ![:(](//storage.proboards.com/forum/images/smiley/sad.png)
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Nov 24, 2010 18:03:49 GMT
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Somebody mentioned 'Laid up' insurance. Now, this doesn't cover for road risks does it? So would that even show up on the MID, as it's not insurance to drive on the roads? Skinny lew would your insurance add the second car on 3rd party? It might not be more than a few tays on temp cover.
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Nov 24, 2010 18:14:29 GMT
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Somebody mentioned 'Laid up' insurance. Now, this doesn't cover for road risks does it? So would that even show up on the MID, as it's not insurance to drive on the roads? Skinny lew would your insurance add the second car on 3rd party? It might not be more than a few tays on temp cover. I tried getting the bug on layed up insurance once, And they told me it wouldnt be on the system as insured as is more of a property (like house) insurance rather than a normal car policy.
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Nov 24, 2010 18:29:15 GMT
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Ok but if you now want to go buy a car that the seller has replaced, you are going to have to tax it. So the days of picking a car up of an evening are going to be a thing of the past. It will be a case of agree to buy, take insurance out (As you would now). Wait for cover note, arrange a time in the day to pick car up, pay, walk to post office, tax it, walk back to car then your on your way.. simples ![:-X](//storage.proboards.com/forum/images/smiley/lipssealed.png) I've bought plenty of untaxed cars where I had to do just that. Also as of soon you won't be able to get a tax disc at the post office, has to be done online. Frances Maude announced this today. Part of cost saving. So I assume that they will amend the online system so that you can tax the car with just the green buyer's slip. This means you can arrange to buy your car, arrange your insurance, tax it online and you are good to go before even setting off to pick the car up. For those spur of the moment days you could even do it from your mobile. I wonder how its going to work for car auctions?
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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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Ryannn
Posted a lot
![*](//storage.proboards.com/forum/images/stars/star.png) ![*](//storage.proboards.com/forum/images/stars/star.png)
Posts: 2,421
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Nov 24, 2010 18:57:08 GMT
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I've got two cars which are taxed atm but not insured. They're taxed so that if I need to move them anywhere, I can just ring my insurance and get some temporary cover...
Good job I'm reducing...
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Nov 24, 2010 19:09:39 GMT
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Ok but if you now want to go buy a car that the seller has replaced, you are going to have to tax it. So the days of picking a car up of an evening are going to be a thing of the past. It will be a case of agree to buy, take insurance out (As you would now). Wait for cover note, arrange a time in the day to pick car up, pay, walk to post office, tax it, walk back to car then your on your way.. simples ![:-X](//storage.proboards.com/forum/images/smiley/lipssealed.png) I've bought plenty of untaxed cars where I had to do just that. Also as of soon you won't be able to get a tax disc at the post office, has to be done online. Frances Maude announced this today. Part of cost saving. So I assume that they will amend the online system so that you can tax the car with just the green buyer's slip. This means you can arrange to buy your car, arrange your insurance, tax it online and you are good to go before even setting off to pick the car up. For those spur of the moment days you could even do it from your mobile. I wonder how its going to work for car auctions? Tax online doesn't work for MOT exemptions. It either has an MOT, and you can tax it, or it doesn't and you can't. You have to go to the Post Office or DVLA with your V112. So, unless that's the only kind of tax you will be able to get at the PO, I can't see them bringing tax online only in. Also not 100% of the car owning public are online, you also need some kind of electronic method of payment, and not 100% of the car owning public have plastic.
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Nov 24, 2010 19:13:08 GMT
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You'll stil be able to get tax at a DVLA office.
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Volvo back as my main squeeze, more boost and some interior goodies on the way.
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Nov 24, 2010 19:16:04 GMT
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There aren't as many DVLA offices as POs though are they? Also, the work load will be massive at the end of each month. The ques in the PO are bad enough, and they are everywhere. I just Googled 'Frances Maude road tax post office' and didn't find anything on it. Anybody got any links?
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Nov 24, 2010 19:27:06 GMT
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. Part of cost saving. So I assume that they will amend the online system so that you can tax the car with just the green buyer's slip. Realy? I doubt they will.
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Nov 24, 2010 19:48:24 GMT
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Good point if you just bought the thing, as online tax is only sent the the reg'd keeper's address.
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`state
Yorkshire and The Humber
Posts: 1,215
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Nov 24, 2010 20:06:47 GMT
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Its just aload of unthought out toss as usual.It`ll be a nightmare for people like us who swop cars as and when we feel like it.No doubt make millions more of the uk`s law abiding citizens into criminals. They`ll have to open up a university degree soon on how to keep a car legit in the eyes of dvla/vosa/eu/any other office of showersofshite.
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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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Nov 24, 2010 20:20:16 GMT
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No, no, no. This is sooooo annoying. Yes I can understand the need to crack down on uninsured motorists but this is going to be a ball ache for me. Why? I have my Polo locked away in a nice cosy garage for the winter, I taxed it for the year in april so its got 5 months still on it, its mot'd as well. But not insured. I don't use it over the winter (salt, poor heater etc) HOWEVER it is my back up car just in case my daily breaks. In this case (as mine did last year) I insure it on temporary insurance (Tempcover) as it is only for a day or two whilst my daily is fixed. To get around this now though they are saying I will have to cash the tax in, then take out a temp policy go to the Post office, get tax, then use the car for a few days, then send the tax back to the DVLA after a day or two. Stupid. Pointless. Its basically forcing me to insure a car that for 4 months of the year I 99% won't use grrrrr. I wouldn't mind if it was just the one car that was like that but I have two 'back up' cars that I use like this. ![:(](//storage.proboards.com/forum/images/smiley/sad.png) oh well looks like a further fleet reduction has been imposed on me ![:(](//storage.proboards.com/forum/images/smiley/sad.png) you may be better off putting them on a proper limited mileage classics policy then. by the time you add up two or three temp covers, and the admin for switching it on and off you policy each summer.....
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wanted, 25th hour. Required daily, cash waiting
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Nov 24, 2010 21:10:39 GMT
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You can doubt that they will do it if you like but it was announced officially by Frances Maude the Cabinet Office Minister today that by 2013 you will ONLY be able to get a tax disc through the online portal. They were very specific in this. I suspect trade and other folks who want to can still go to the local VRO to deal with it, assuming you still have one reasonably local.
Interestingly you will only be able to claim job seekers allowance online as well by then.
This is part of a £2billion cost saving by sacking customer facing staff and getting rid of paper processing.
If it saves the tax payer £2 billion a year I think that the govt. will regard the inconvenience it may cause odd people like those MOT exempt vehicles as no skin off thier ass.
They could also modify the online road tax system to work with MOT exempt vehicles, or require MOT exempt vehicles to get MOTs.
I've not seen the detail, only the announcement.
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Last Edit: Nov 24, 2010 21:12:25 GMT by akku
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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RobinJI
Posted a lot
![*](//storage.proboards.com/forum/images/stars/star.png) ![*](//storage.proboards.com/forum/images/stars/star.png)
"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 21:58:05 GMT
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Everyone's still missing the point that when you send your tax back, you only get it back to the nearest month, so selling/cancelling your insurance on the 5th of the month will result in loosing nearly £20 worth of road tax, bit of a pee take to say the least. And the guys saying 'just get insurance' it costs a bloody fortune if you're under 25, in a lot of cases it's more than the car is worth, so is completely pointless if you only want to cover it in case it gets nicked/burned. Can you tax a car at the post office with just the buyers slip thing? Also, surely if you want to drive away with you nice new car, you'll either have to go via the post office, having pre-arranged your insurance leaving time to get the certificate printed out or sent to you, or tax it online, (assuming the V5's already sorted, and the computers been updated so they actually register the car as yours and insured). If you do it online, you won't have a nice new tax disc to display, and you won't be able to display the old one, as it will have been sent off.... As said, it's a load of ![](http://www.wired.com/images_blogs/underwire/2009/11/fox_60.jpg) ache, for no reason besides the government trying to make them selves some money.
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Last Edit: Nov 24, 2010 22:04:26 GMT by RobinJI
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Nov 24, 2010 22:06:07 GMT
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You can only tax with the green new keeper's slip once, they stamp it. If you send the tax back, you can use the V5C, you don't need a form these days, it goes on the bar code.
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Nov 24, 2010 22:09:09 GMT
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You can tax a car at the post office with the buyers' green slip.
I have a lot of sympathy with the "insurance is expensive" line. It sucks. We've all been there. Perhaps if you work it out so your insurance expires at the end of the month and cash the disc back then?
Without seeing the detail on exactly how this will work we don't know what "adjustments" and dodges will be possible. The DVLA allow 14 days untaxed grace period for online renewals currently so I assume there should be a similar window which applies to this.
It reminds me what a pointless and stupid thing tax discs are, all they do now is serve to keep a few thousand people in Swansea in a job. Maybe thats a good thing right now. Maybe it isn't.
Oh, and I rechecked Frances Maude's statement and it seems to have changed slightly or I misread it, either are possible... It now says DVLA tax discs will be "prioritised" to be online only and that 80% of JSA will be online by 2013. IME this means 50% by 2015... OTOH all the infrastructure is already in place to do tax discs. Student loans are going online only pretty much immediately. Its a big rolling programme.
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Last Edit: Nov 24, 2010 22:10:41 GMT by akku
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 22:13:16 GMT
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You can doubt that they will do it if you like but it was announced officially by Frances Maude the Cabinet Office Minister today that by 2013 you will ONLY be able to get a tax disc through the online portal. They were very specific in this. I suspect trade and other folks who want to can still go to the local VRO to deal with it, assuming you still have one reasonably local. Interestingly you will only be able to claim job seekers allowance online as well by then. This is part of a £2billion cost saving by sacking customer facing staff and getting rid of paper processing. If it saves the tax payer £2 billion a year I think that the govt. will regard the inconvenience it may cause odd people like those MOT exempt vehicles as no skin off thier ass. They could also modify the online road tax system to work with MOT exempt vehicles, or require MOT exempt vehicles to get MOTs. I've not seen the detail, only the announcement. MOT'ing every ambulance, recovery vehicle, and specialist stuff? I don't think so. Also those islands off the mainland that have no MOTs, will they become tax exempt then? How will you tax a car new to you too, pitch up at the VRO? What if you don't have one close to you? Also, as I said not everybody has plastic to pay online. I bet the PO love this.....
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Lopez
East Midlands
Posts: 867
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Nov 24, 2010 22:38:04 GMT
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Urban Myth, a vehicle does not have to have an Insurance Policy bearing its Registration Number to be legally driven on the road IF you have a Policy which allows you to drive other vehicles not owned by you. Yes, the ANPR will flag the car as Uninsured, but if you can subsequently prove that the vehicle was covered Third Party under a 'drive any car' clause on your Policy, no offense will have been commited. Sorry but not urban myth. Law changed a year or so ago so all cars on the road must have insurance even if driven by someone other than owner on their "driving cars not belonging to you" clause. It is also "supposed" to be "in cases of emergency" and not a regular thing although I don't know how that could be enforced. I think the only exception is vehicles within the motor trade and covered by a traders policy - and normally they have to inform insurer of any vehicle they keep for more then a certain number of days. Paul H. I'd like to see any references you have for this as I don't believe it to be correct.
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