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Taking a car for MOT without TAX or Insurance

Taking a car for MOT without TAX or Insurance

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Family Guy

Original Poster:

802 posts

110 months

Wednesday 23rd July 2008
quotequote all
Just a quick question. I have a car that i need an MOT on. It's declared SORN at the moment and is not insured. I've booked it in at my local MOT station for the work next week. Question is, can i drive it there without insurance or not??

It'll be left there until all the work is done for the MOT.

FG

Wattsie

1,155 posts

103 months

Wednesday 23rd July 2008
quotequote all
Family Guy said:
Just a quick question. I have a car that i need an MOT on. It's declared SORN at the moment and is not insured. I've booked it in at my local MOT station for the work next week. Question is, can i drive it there without insurance or not??

It'll be left there until all the work is done for the MOT.

FG
Surely not, it's driving w/o insurance.. you'd need to tow/trailer it I would have thought...

Even towing it might be illegal (curse my lack of legal knowledge)

smile

Munter

26,680 posts

143 months

Wednesday 23rd July 2008
quotequote all
Just day insure it.

gadzookz

147 posts

99 months

Wednesday 23rd July 2008
quotequote all
Do you own the car? (and i don't mean are you the registered keeper) If not, e.g. its the wifes, then you can take it providing you have cover on your own car, and that car is roadworthy. Check your policy for "DOC" Drive Other Cars cover.

If it is yours, just get another family member or a friend drive it on their insurance.

Check the policy. Some DOC clauses are now being tightened, but this is really to stop people getting their mates to take cars impounded by the police. It shouldn't stop you taking a SORN to an MOT.

uk_vette

3,277 posts

106 months

Wednesday 23rd July 2008
quotequote all
gadzookz said:
Do you own the car? (and i don't mean are you the registered keeper) If not, e.g. its the wifes, then you can take it providing you have cover on your own car, and that car is roadworthy. Check your policy for "DOC" Drive Other Cars cover.

If it is yours, just get another family member or a friend drive it on their insurance.

Check the policy. Some DOC clauses are now being tightened, but this is really to stop people getting their mates to take cars impounded by the police. It shouldn't stop you taking a SORN to an MOT.
.
.
Are you sure !
If the vehicle has no insurance, then it don't count.
That thing about driving another car on your insurance, is only valid if the other car has insurance.
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Munter

26,680 posts

143 months

Wednesday 23rd July 2008
quotequote all
Actually I have the solution. Pay/convince the guys at the garage to drive it to their garage. They'll be insured on their Garage policy. Problem solved...?

Family Guy

Original Poster:

802 posts

110 months

Wednesday 23rd July 2008
quotequote all
Thanks for the responses thumbup

Munter said:
Just day insure it.
Never thought of this, great idea. Just had a quote for £10. What a bargain biggrin

collateral

7,238 posts

120 months

Wednesday 23rd July 2008
quotequote all
You are fine to drive to a booked MOT without tax. That's from the mouth of the DVLA when I called em up

Dave 500

2,666 posts

144 months

Wednesday 23rd July 2008
quotequote all
It must be insured to drive it on the road. You are exempt from road tax if its booked in for a MOT. By booked I mean they must know what time your going etc etc also a good idea to have the phone number of the garage with you in case you get stopped on the way there. smile

rev-erend

18,775 posts

186 months

Wednesday 23rd July 2008
quotequote all
collateral said:
You are fine to drive to a booked MOT without tax. That's from the mouth of the DVLA when I called em up
Ask 10 people at DVLA the same question and you will get loads of different answers..

They know didly squat !

2 sMoKiN bArReLs

19,134 posts

137 months

Wednesday 23rd July 2008
quotequote all
collateral said:
You are fine to drive to a booked MOT without tax. That's from the mouth of the DVLA when I called em up
Some aeroplanes are blue.

(It may be a true fact, but not the answer to the question! biggrin)

HTH

collateral

7,238 posts

120 months

Wednesday 23rd July 2008
quotequote all
2 sMoKiN bArReLs said:
collateral said:
You are fine to drive to a booked MOT without tax. That's from the mouth of the DVLA when I called em up
Some aeroplanes are blue.

(It may be a true fact, but not the answer to the question! biggrin)

HTH
Point taken.

bocky

111 posts

95 months

Wednesday 23rd July 2008
quotequote all
yes im sure thats right about insurance.if the cars not insured then knowone can drive it on their insurance unless they have trade plates.as for tax as long as the mot is pre booked and you go strait to garage no tax is ok, due to the fact you cant obtain tax without mot.

2 sMoKiN bArReLs

19,134 posts

137 months

Wednesday 23rd July 2008
quotequote all
bocky said:
unless they have trade plates.
trade plates only get round the tax thing, not insurance

FlossyThePig

3,666 posts

145 months

Wednesday 23rd July 2008
quotequote all
Have you thought about actually talking to your insurance company? They will tell you exactly what they are prepared to do.

Noger

7,106 posts

151 months

Wednesday 23rd July 2008
quotequote all
uk_vette said:
.
Are you sure !
If the vehicle has no insurance, then it don't count.
That thing about driving another car on your insurance, is only valid if the other car has insurance.
It is still valid. Just as it was the last dozen times someone trotted out the DOC myth smile

Edited by Noger on Wednesday 23 July 22:04

gadzookz

147 posts

99 months

Thursday 31st July 2008
quotequote all
uk_vette said:
gadzookz said:
Do you own the car? (and i don't mean are you the registered keeper) If not, e.g. its the wifes, then you can take it providing you have cover on your own car, and that car is roadworthy. Check your policy for "DOC" Drive Other Cars cover.

If it is yours, just get another family member or a friend drive it on their insurance.

Check the policy. Some DOC clauses are now being tightened, but this is really to stop people getting their mates to take cars impounded by the police. It shouldn't stop you taking a SORN to an MOT.
.
.
Are you sure !
If the vehicle has no insurance, then it don't count.
That thing about driving another car on your insurance, is only valid if the other car has insurance.
Ok - Phone a UK insurance broker and ask to "insure a vehicle"... They will ask for the name of the "Policy Holder". They will also want to know all about the policy holders history with cars etc and NCB. They couldnt care less about the amount of claims the specific car has had against it in its past.

This is the UK insurance industry - the POLICYHOLDER is covered, NOT the CAR!

It is also illegal for an insurer to not give the POLICYHOLDER the bare legal minimum cover - and that cover is third party only and allows driving other cars not owned by the POLICYHOLDER.

Other countries, including USA, actually cover the VEHICLE, so no matter who drives it (within reason) its covered. Bahhh.... My piss is boiled!

Corpulent Tosser

5,113 posts

147 months

Thursday 31st July 2008
quotequote all
My insurance policy clearly states that I am insured to drive cars I do not own and are not hired or leased to me as long as they are insured by the owner. That is the key bit, they have to be insured.

SS2.

8,878 posts

140 months

Thursday 31st July 2008
quotequote all
Corpulent Tosser said:
My insurance policy clearly states that I am insured to drive cars I do not own and are not hired or leased to me as long as they are insured by the owner. That is the key bit, they have to be insured.
Only if the policy says they do. And to be fair, most don't (or at least never used to) specify that as a DOC condition.

Edited by SS2. on Thursday 31st July 07:35

Noger

7,106 posts

151 months

Thursday 31st July 2008
quotequote all
Corpulent Tosser said:
My insurance policy clearly states that I am insured to drive cars I do not own and are not hired or leased to me as long as they are insured by the owner. That is the key bit, they have to be insured.
Which insurer ? What does the wording say ? Not doubting you, just interested.