Insurance/MOT/Tax question and advise please......

[Nicko_12345]

Ok, long winded i no, my dad passed away not long ago and left me/my brother his toyota MR2 which is currently garaged and SORN, The car is still registered in my dad name and originally was a import ( dont no if that makes a difference) My brother lives in france and wants to take the car over there, he will be driving it.

Mot - easy enough, i take it fails/passes i can sort that

Insurance - oviously i need this to tax it dont i? so can i used something like dayinsure to insure it to tax it (go into post office and give them v5, mot cert and insurance cert?)

Any help would be nice

Thanks

Nick

[Tunku]

Can't help, but I doff my cap to your Dad. Maybe the best way is to trailer it over to France.

Edited by Tunku on Thursday 4th December 00:56

[Nicko_12345]

Thanks, he was a top bloke, trying to adjust to life without him is hard at the min.

[Nicko_12345]

Trailor - Nether of us own a car that is capable of towing

[LadyHayles]

I think that the insurance policy has to show dates that last for at least as long as the period the tax will cover because of there being a spate of "wrong-uns" providing false insurance policies or short term policies to tax cars and then cancelling or not bothering to renew insurance.

Or did I just make that up in my head because I can't sleep!?!?!?!

[CrashTD]

LadyHayles said:

Or did I just make that up in my head because I can't sleep!?!?!?!

It happens but as far as I know there is no law against it yet. But double check in S,P&L as its not worth the risk. ANPR at ports now I think

[Nicko_12345]

Any other ideas?

[esselte]

LadyHayles said:

I think that the insurance policy has to show dates that last for at least as long as the period the tax will cover because of there being a spate of "wrong-uns" providing false insurance policies or short term policies to tax cars and then cancelling or not bothering to renew insurance.

Or did I just make that up in my head because I can't sleep!?!?!?!

I think it's made up,hope this helps..

[onomatopoeia]

LadyHayles said:

I think that the insurance policy has to show dates that last for at least as long as the period the tax will cover because of there being a spate of "wrong-uns" providing false insurance policies or short term policies to tax cars and then cancelling or not bothering to renew insurance.

Or did I just make that up in my head because I can't sleep!?!?!?!

Insurance rarely covers the whole period of a tax disk since both usually last exactly one year. My understanding is it the insurance has to be valid on the date that the tax disc comes into force or the that date you buy the disk if buying one retrospectively, e.g. on the 20th of November to run from 1st November, as I did last month.

What you can't do is go to the post office on 20th November to buy a disk starting from 1st November using an insurance certificate that starts from 21st November, you have to wait until the insurance is in force.

Think I've got that right. I've been through this a few times with my Imps after they've been off the road for a long time.

[paoloh]

Do you have any friends in the trade?

[JazD]

There are companies that provide insurance for a limited time such as a month or so. Could you insure it, tax it and move it to France?

[illmonkey]

JazD said:

There are companies that provide insurance for a limited time such as a month or so. Could you insure it, tax it and move it to France?

Will the PO tax it on temporary cover though? Seems a easy way to get tax and then let insurance expire.

I know you could just cancel your normal policy, but this is temporary cover, meaning it WILL expire!

[JazD]

illmonkey said:

JazD said:

There are companies that provide insurance for a limited time such as a month or so. Could you insure it, tax it and move it to France?

Will the PO tax it on temporary cover though? Seems a easy way to get tax and then let insurance expire.

I know you could just cancel your normal policy, but this is temporary cover, meaning it WILL expire!

I think so. I looked into it a while ago and was told that there wouldn't be a problem doing it that way. I suppose the sticking point is whether qwnership needs to be transferred prior to this (or has this already happened and I'm being dense)

[onomatopoeia]

illmonkey said:

JazD said:

There are companies that provide insurance for a limited time such as a month or so. Could you insure it, tax it and move it to France?

Will the PO tax it on temporary cover though? Seems a easy way to get tax and then let insurance expire.

How can they refuse? My insurance policy might run 3rd Feb 08 to 2nd Feb 09. If I go into the post office on 31st Jan 09 to buy a new tax disc to run from 1st Feb 09 they can't refuse to give me one because my insurance will expire the day after they issue it.

[paoloh]

Who's name is the car in?

[insurance_jon]

You only need 14 days insurance to tax a car.

[paoloh]

insurance_jon said:

You only need 14 days insurance to tax a car.

You would hope that he knows his stuff

[Oakey]

I'm pretty sure Dayinsure or whatever it's called says their policies can't be used to tax a vehicle.

ETA:

Yes, Dayinsure short term insurance certificate can be used to purchase Road Tax. The law has not yet caught up with common practise and therefore we cannot guarantee aceeptance at all DVLA and Post offices.

Edited by Oakey on Thursday 4th December 12:00

[GreenDog]

Nicko_12345 said:

Any other ideas?

Ring your current insurer and ask them - They're the experts after all

[Nicko_12345]

paoloh said:

Do you have any friends in the trade?

Yes, Why?