continuous insurance/SORN etc

[Big Rumbly]

Good morning, I cant seem to get the answer I need, and have been hanging on the phone to DVLA and have given up.

Query is as follows, have just purchased a car for my son for his 21st next month. It's still at the dealer till Sat.
If I tax it on sat , then the car will not be insured till 18th which is my sons birthday, can't insure earlier as premium is way too high cos hes not 21 yet, so fall foul of continuous insurance rule.
If I SORN it on sat and send the V5C with a filled in V890 (SORN) declaration. I then cant drive it home for off road keeping cos it wont be taxed.
Any ideas how I can get it home legally.
Many thanks.

[Adrian E]

Get the dealer to deliver it on the back of a low loader or trade plates - only option really as it's got to be insured in its own right for you to use any 3rd party cover you might have for another vehicle to drive it home yourself.

If it's too far away for the dealer to do it there's companies that specialise in delivering further afield and they don't usually charge the earth

[Big Rumbly]

Adrian E said:

Get the dealer to deliver it on the back of a low loader or trade plates - only option really as it's got to be insured in its own right for you to use any 3rd party cover you might have for another vehicle to drive it home yourself.

If it's too far away for the dealer to do it there's companies that specialise in delivering further afield and they don't usually charge the earth

Good Idea Adrian, hes doing just that, delivering it, many thanks

[littleredrooster]

Adrian E said:

...as it's got to be insured in its own right for you to use any 3rd party cover you might have for another vehicle to drive it home yourself.

Another load of internet bks that is repeated as often as the 'driving to an MOT' myths. We do these things at least once a month, it seems.

Definitive answer: It depends upon the Insurance company concerned; some do, most (IME) don't.

[Adrian E]

littleredrooster said:

Another load of internet bks that is repeated as often as the 'driving to an MOT' myths. We do these things at least once a month, it seems.

Definitive answer: It depends upon the Insurance company concerned; some do, most (IME) don't.

Mine has it in the small print that the vehicle I want to drive must be covered under its own policy for me to be able to drive it on a 3rd party basis, so I think suggesting it's bks is stretching it a tad! A large number of insurers don't even offer the ability to drive a car not covered by your policy 3rd party only any more, which might be what you are suggesting?

Christ knows, but it appears the OP has a solution he's happy with so there's not a lot of point getting all keyboard warrior-like now

[SS2.]

He's saying that whilst some insurers might require a vehicle being driven under a 3rd party extension to be insured in its own right, some don't - and unless you know the OP's policy details, then there's no way you could know whether it was or wasn't a requirement.

[littleredrooster]

Adrian E said:

littleredrooster said:

Another load of internet bks that is repeated as often as the 'driving to an MOT' myths. We do these things at least once a month, it seems.

Definitive answer: It depends upon the Insurance company concerned; some do, most (IME) don't.

Mine has it in the small print that the vehicle I want to drive must be covered under its own policy for me to be able to drive it on a 3rd party basis, so I think suggesting it's bks is stretching it a tad!

Glad you read the small print, many don't. I said it was bks because you make a sweeping statement which patently is not true - viz "...only option...as it's got to be insured in its own right..." Sorry, but that's wrong and you're offering it as advice as many, many others do also; the internet myth therefore gets perpetuated yet again. None of my insurers in recent memory have had this clause in the small print.

Adrian E said:

Christ knows, but it appears the OP has a solution he's happy with so there's not a lot of point getting all keyboard warrior-like now

The OP has chosen a very sensible solution; I merely tried to quash the incorrect information being offered on a factual 'advice' forum. I am a grumpy old man by profession

[AndyNetwork]

littleredrooster said:

Another load of internet bks that is repeated as often as the 'driving to an MOT' myths. We do these things at least once a month, it seems.

Definitive answer: It depends upon the Insurance company concerned; some do, most (IME) don't.

In order to drive it on your own insurance, the car must still be taxed, therefore under continuous insurance rules, it has to be insured in it's own right as well. If it isn't insured then it should be SORN'd and therefore you would be guilty of driving without tax.