Car off road, need insurance?
Discussion
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SS2. said:
There are posters on here who claim to have SORN'd whilst their vehicle was uninsured, kept the tax disc, re-insured and then contacted DVLA who were happy to 're-instate' the original disc.
Tried doing this recently following threads saying the same. But when trying to remove the SORN the DVLA were not having any of it, apparently that method of retaining tax disk is no longer possible as of March 2013. Had to buy a new tax disk, but they did back date the tax refund from the old disk, which was surprisingly nice of them.
henrycrun said:
marshalla said:
If it's taxed it must be insured.
Why ? It's not being driven. Why is this question still coming up on PH ? It's been discussed here many, many, MANY times before. It's on the .gov.uk website : https://www.gov.uk/vehicle-insurance/uninsured-veh...
DVLA even send out notices about it with the VED reminders.
Jonleeper said:
Fish said:
You can still SORN it and retain the tax disc for use in the future.
I thought it was also illegal to have a car that you have declared SORN and keep the tax disk. It is an either / or not a both.SS2. said:
There are posters on here who claim to have SORN'd whilst their vehicle was uninsured, kept the tax disc, re-insured and then contacted DVLA who were happy to 're-instate' the original disc.
The gov.uk site would have you believe that it is an offence not to surrender the disc using a V14 form (application for a refund)https://www.gov.uk/register-sorn-statutory-off-roa...
The concept of why anybody would choose otherwise (e.g. the insurance runs out while the car is off road for a couple of months for an engine rebuild or whatever but the tax is still unexpired) is completely alien to them.
However the gov.uk site is not law. It has form for telling people what the government would like people to believe not what the legislation actually says. What that is has been the subject of many threads on here with divided opinions as to the answer. We have anecdotal evidence that people have kept the disc, then reinsured and persuaded the DVLA to unSORN. The records thereby being changed to show as taxed.
The current mess was created by the CIE notification being tacked on to the VED SORN legislation while not taking into account that the two expiry dates are in most cases completely different. If they were the same there wouldn't be a problem.
Insurers already collect IPT on behalf of the government. I can't see why in principle this couldn't be extended to VED. It would be more complicated because IPT is a percentage and VED has bands. The latter is also based on individual calendar months. It's not an impossible task though. It just requires some imagination and lateral thinking. Unfortunately this is not something that governments and civil servants are very good at.
Out of interest, how does this impact this hypothetical situation:
I have a taxed car where the insurance has expired. I lend the car to a friend, who has a traders "any vehicle in the possession of x" style policy. Is this acceptable in the eye of the all seeing DVLA or am in trouble?
I have a taxed car where the insurance has expired. I lend the car to a friend, who has a traders "any vehicle in the possession of x" style policy. Is this acceptable in the eye of the all seeing DVLA or am in trouble?
Tophatron said:
Out of interest, how does this impact this hypothetical situation:
I have a taxed car where the insurance has expired. I lend the car to a friend, who has a traders "any vehicle in the possession of x" style policy. Is this acceptable in the eye of the all seeing DVLA or am in trouble?
Not a problem if he adds your car to his policy by phone or on line, if he doesn't add it you will get the non declaring sorn fine. I have a taxed car where the insurance has expired. I lend the car to a friend, who has a traders "any vehicle in the possession of x" style policy. Is this acceptable in the eye of the all seeing DVLA or am in trouble?
Collectingbrass said:
Riley Blue said:
Wouldn't you want to insure it against theft, perhaps also fire?
And also to keep the NCB building up, if you intend to put the car back on the road in the next insurance year at least?Just need insurance rebate once I cancel it early.
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