No tax, no insurance test drive
Discussion
I will be putting my old car up for sale shortly. At the moment it's sorned and there is no insurance on it. If a prospective buyer (naturally) wants a test drive and we get stopped by Plod, what would the likely outcome be assuming the prospective buyer is driving the car and I'm in the passenger seat?
Thanks in advance
Thanks in advance
boody said:
I will be putting my old car up for sale shortly. At the moment it's sorned and there is no insurance on it. If a prospective buyer (naturally) wants a test drive and we get stopped by Plod, what would the likely outcome be assuming the prospective buyer is driving the car and I'm in the passenger seat?
Thanks in advance
Well, causing and permitting an offence can carry the same sentence as the original offence so... not well!Thanks in advance
No road tax is a non endorseable offence with a normal fine of £100 I think, although the maximum is a lot higher. You will be paying this as the owner.
If the prospective purchaser had DOC that doesn't require the car he's driving using this extension to be insured, then he will have the minimum legal cover of Third Party Only. Therefore no legal issue. However, if he crashes it than you've got a problem over who foots the repair bill to your car. Please not the "if" at the start of this paragraph. You need to ensure genus insured to avoid the already mentioned "causing / permitting" offence.
If the prospective purchaser had DOC that doesn't require the car he's driving using this extension to be insured, then he will have the minimum legal cover of Third Party Only. Therefore no legal issue. However, if he crashes it than you've got a problem over who foots the repair bill to your car. Please not the "if" at the start of this paragraph. You need to ensure genus insured to avoid the already mentioned "causing / permitting" offence.
Depending on the police force the car may be seized if there's no tax on it,( Some do, some don't) then it's only returned after all the documents relating to THAT car are produced, Tax, MOT, Insurance plus £150 tow fee, + storage fee.
Whilst the other driver may have the "driving other vehicles" extension on their insurance, most insurance companies state this will only honoured if the vehicle is insured in it's own right
Whilst the other driver may have the "driving other vehicles" extension on their insurance, most insurance companies state this will only honoured if the vehicle is insured in it's own right
Edited by Gafferjim on Thursday 16th April 13:58
Getting temp insurance from your own insurer or a "day insurance" provider might solve the insurance problem for you. Of the two, day insurance taken out by the prospective purchaser (assuming their conditions don't preclude it) might be better as you don't really want to be claiming on your own insurance for a test driver's claim.
Bert
Bert
Gafferjim said:
Depending on the police force the car may be seized if there's no tax on it,( Some do, some don't) then it's only returned after all the documents relating to THAT car are produced, Tax, MOT, Insurance plus £150 tow fee, + storage fee.
Whilst the other driver may have the "driving other vehicles" extension on their insurance, most insurance companies state this will only honoured if the vehicle is insured in it's own right
FFS. The bit in bold is bullsWhilst the other driver may have the "driving other vehicles" extension on their insurance, most insurance companies state this will only honoured if the vehicle is insured in it's own right
Edited by Gafferjim on Thursday 16th April 13:58
t. Some insist that and some don't. However, it is not "most" that insist. Never mind though. He's not that inaccurate it's worth bursting a blood vessel over. Whether some, a few, most, several or however many allow it, the statement he gave would cause the askee to check their policy - which is essentially the best advice to give. Relax. Go for a stroll outside or something less stressy.
Every insurer I have ever used have stated car must have valid insurance for driving other cars 3rd party. Thats about 5 big name insurers and 4 little ones ALL stating the same thing. So as said certainly not worth popping a blood vessel over especially as it seems he is correct.
Do you have an proof or experience to the contrary?
Do you have an proof or experience to the contrary?
rb5er said:
Every insurer I have ever used have stated car must have valid insurance for driving other cars 3rd party. Thats about 5 big name insurers and 4 little ones ALL stating the same thing. So as said certainly not worth popping a blood vessel over especially as it seems he is correct.
Do you have an proof or experience to the contrary?
Really? Never been insured by Direct Line, Churchill, Privilege, More Than to name but a few large ones who don't insist that the other car is insured. Feel free to name a few more and we'll look them up. Do you have an proof or experience to the contrary?
Esure and Admiral brands do have that stipulation btw.
Edited by LoonR1 on Thursday 16th April 15:39
chriscpritchard said:
Well, causing and permitting an offence can carry the same sentence as the original offence so... not well!
Indeed:http://www.pistonheads.com/gassing/topic.asp?h=0&a...
Last time I bought a car I arranged a quote for insuring it before going to view. That way once I decided I was interested in purchasing it and had agreed a price, provisional to a road test, I could call the broker and have the insurance sorted in ten minutes.
If you crash it you've bought it and claim on your insurance.
Continuous enforcement and the new non-transfer rules knackers this though as the seller cannot tax it.
Book it in for an MOT maybe? Just risk the tax given the buyer is at least insured?
If you crash it you've bought it and claim on your insurance.
Continuous enforcement and the new non-transfer rules knackers this though as the seller cannot tax it.
Book it in for an MOT maybe? Just risk the tax given the buyer is at least insured?
Why oh why.
Her brother went to see a car in February after returning from aus and having a new job already wanted a car quick. Sellers mum had new car and let her mot service and tax etc lapse on her sale car £8k Audi A3 lived out in the sticks so took it up and down private road did a deal with the private plate, as he needed the car in a ŵeek.
Gets a call two later saying she wants to keep the plate, only had a new car 2-3 months to transfer it!,,,
He pulled and went to vw dealer and bought a 6o plate golf.
Seriously just want to sell want all the money but give nothing.
On the tax front the new system is. Nightmare 60% increase in clamping as when the owner changes there seems to be an overlap period in high people get caught. Think you need to buy it no use it till new keeper and taxed.
Funny thing lad visits the girl opposite no mot since 17th feb but has tax and insurance and been getting away with it for two months.
Her brother went to see a car in February after returning from aus and having a new job already wanted a car quick. Sellers mum had new car and let her mot service and tax etc lapse on her sale car £8k Audi A3 lived out in the sticks so took it up and down private road did a deal with the private plate, as he needed the car in a ŵeek.
Gets a call two later saying she wants to keep the plate, only had a new car 2-3 months to transfer it!,,,
He pulled and went to vw dealer and bought a 6o plate golf.
Seriously just want to sell want all the money but give nothing.
On the tax front the new system is. Nightmare 60% increase in clamping as when the owner changes there seems to be an overlap period in high people get caught. Think you need to buy it no use it till new keeper and taxed.
Funny thing lad visits the girl opposite no mot since 17th feb but has tax and insurance and been getting away with it for two months.
jbsportstech said:
Why oh why.
Her brother went to see a car in February after returning from aus and having a new job already wanted a car quick. Sellers mum had new car and let her mot service and tax etc lapse on her sale car £8k Audi A3 lived out in the sticks so took it up and down private road did a deal with the private plate, as he needed the car in a week.
Gets a call two later saying she wants to keep the plate, only had a new car 2-3 months to transfer it!,,,
He pulled and went to vw dealer and bought a 6o plate golf.
Seriously just want to sell want all the money but give nothing.
On the tax front the new system is. Nightmare 60% increase in clamping as when the owner changes there seems to be an overlap period in high people get caught. Think you need to buy it no use it till new keeper and taxed.
Funny thing lad visits the girl opposite no mot since 17th feb but has tax and insurance and been getting away with it for two months.
My head hurtsHer brother went to see a car in February after returning from aus and having a new job already wanted a car quick. Sellers mum had new car and let her mot service and tax etc lapse on her sale car £8k Audi A3 lived out in the sticks so took it up and down private road did a deal with the private plate, as he needed the car in a week.
Gets a call two later saying she wants to keep the plate, only had a new car 2-3 months to transfer it!,,,
He pulled and went to vw dealer and bought a 6o plate golf.
Seriously just want to sell want all the money but give nothing.
On the tax front the new system is. Nightmare 60% increase in clamping as when the owner changes there seems to be an overlap period in high people get caught. Think you need to buy it no use it till new keeper and taxed.
Funny thing lad visits the girl opposite no mot since 17th feb but has tax and insurance and been getting away with it for two months.
jbsportstech said:
Why oh why.
Her brother went to see a car in February after returning from aus and having a new job already wanted a car quick. Sellers mum had new car and let her mot service and tax etc lapse on her sale car £8k Audi A3 lived out in the sticks so took it up and down private road did a deal with the private plate, as he needed the car in a week.
Gets a call two later saying she wants to keep the plate, only had a new car 2-3 months to transfer it!,,,
He pulled and went to vw dealer and bought a 6o plate golf.
Seriously just want to sell want all the money but give nothing.
On the tax front the new system is. Nightmare 60% increase in clamping as when the owner changes there seems to be an overlap period in high people get caught. Think you need to buy it no use it till new keeper and taxed.
Funny thing lad visits the girl opposite no mot since 17th feb but has tax and insurance and been getting away with it for two months.
This post seems like it is about a completely different topic, I think...?Her brother went to see a car in February after returning from aus and having a new job already wanted a car quick. Sellers mum had new car and let her mot service and tax etc lapse on her sale car £8k Audi A3 lived out in the sticks so took it up and down private road did a deal with the private plate, as he needed the car in a week.
Gets a call two later saying she wants to keep the plate, only had a new car 2-3 months to transfer it!,,,
He pulled and went to vw dealer and bought a 6o plate golf.
Seriously just want to sell want all the money but give nothing.
On the tax front the new system is. Nightmare 60% increase in clamping as when the owner changes there seems to be an overlap period in high people get caught. Think you need to buy it no use it till new keeper and taxed.
Funny thing lad visits the girl opposite no mot since 17th feb but has tax and insurance and been getting away with it for two months.
jbsportstech said:
On the tax front the new system is. Nightmare 60% increase in clamping as when the owner changes there seems to be an overlap period in high people get caught. Think you need to buy it no use it till new keeper and taxed.
Yes there is a 60% increase, but not for that reason and no.If the 'process' whereby any "new" vehicle - as in "new to the buyer" - must be taxed upon purchase had been better publicised, then there wouldn't be a problem
; but it seemingly wasn't, and there is...Still, it's all funds for UKplc2015, so what's the point in changing the situation??
aw51 121565 said:
Yes there is a 60% increase, but not for that reason and no.
If the 'process' whereby any "new" vehicle - as in "new to the buyer" - must be taxed upon purchase had been better publicised, then there wouldn't be a problem ; but it seemingly wasn't, and there is...
Still, it's all funds for UKplc2015, so what's the point in changing the situation??
Is it really difficult to understand?If the 'process' whereby any "new" vehicle - as in "new to the buyer" - must be taxed upon purchase had been better publicised, then there wouldn't be a problem
; but it seemingly wasn't, and there is...Still, it's all funds for UKplc2015, so what's the point in changing the situation??
Sounds like a tax on stupidity
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