can't tax my f***ing car
can't tax my f***ing car
Author
Discussion

Dave9

Original Poster:

579 posts

184 months

Thursday 18th November 2010
quotequote all
got a 911, insurance due 30th november, tax due 30 november.

rang today to renew insurance and did so. rang to renew tax, wouldn't let me as said details not updated on insurance database even though it's still insured.

therefore i want to cancel the insurance i took out today and put the car on a sorn so the bds at the dvla don't get any money off me.

but, if i pay for 'laid up' insurance which is £210 then when I come to tax and insure the car in the summer will I have to pay a full years insurance premium (£400) ontop of the £210 laid up cover i have already paid. Ie £610 in total?

If so it looks like i'm cutting my nose of to spite my face but I can't be fked with the hassle.

Edited by mods to remove name and shame

Dave9

Original Poster:

579 posts

184 months

Thursday 18th November 2010
quotequote all
the insurers aren't really the hassle mods, it's the car tax

trickywoo

13,537 posts

252 months

Thursday 18th November 2010
quotequote all
Can't you cancel the 'laid up' cover in summer and get a refund on the balance of that, then insure the car for the next 12 months and tax it then?

Depends on which tax band its in as to whether or not you'll save any money doing this.

Lordglenmorangie

3,071 posts

227 months

Thursday 18th November 2010
quotequote all
Oh I have been there on that one, took my insurance certificate in to post office, could not tax as insurance wasn't in force for day the tax started. As luck would have it my brokers lived in the next village so was able to go and get a cover note. Ever since I make sure my insurance and RFL do not fall on the same day.

Grey Ghost

4,608 posts

242 months

Thursday 18th November 2010
quotequote all
It's just a timing thing with your insurance renewal being due on the last day of the month. The DVLA system won't show you as insured until you pay your renewal, and even then it may take a couple of days to update.

Having said that I don't know if the DVLA "on-line" system will pick up the insurance renewal and allow you to pay over t'internet.

SonicHedgeHog

2,697 posts

204 months

Thursday 18th November 2010
quotequote all
Chill out and give them a chance to update the database. You've got ages to get a new disc. Order it on 30th Nov online and print out the confirmation. If the police stop you, which they won't, then just show them you have paid. Really can't see what all the fuss is about.

300bhp/ton

41,030 posts

212 months

Thursday 18th November 2010
quotequote all
Dave9 said:
got a 911, insurance due 30th november, tax due 30 november.

rang today to renew insurance and did so. rang to renew tax, wouldn't let me as said details not updated on insurance database even though it's still insured.

therefore i want to cancel the insurance i took out today and put the car on a sorn so the bds at the dvla don't get any money off me.

but, if i pay for 'laid up' insurance which is £210 then when I come to tax and insure the car in the summer will I have to pay a full years insurance premium (£400) ontop of the £210 laid up cover i have already paid. Ie £610 in total?

If so it looks like i'm cutting my nose of to spite my face but I can't be fked with the hassle.

Edited by mods to remove name and shame
What's wrong with going to the Post Office like most other people? confused

Zod

35,295 posts

280 months

Thursday 18th November 2010
quotequote all
300bhp/ton said:
Dave9 said:
got a 911, insurance due 30th november, tax due 30 november.

rang today to renew insurance and did so. rang to renew tax, wouldn't let me as said details not updated on insurance database even though it's still insured.

therefore i want to cancel the insurance i took out today and put the car on a sorn so the bds at the dvla don't get any money off me.

but, if i pay for 'laid up' insurance which is £210 then when I come to tax and insure the car in the summer will I have to pay a full years insurance premium (£400) ontop of the £210 laid up cover i have already paid. Ie £610 in total?

If so it looks like i'm cutting my nose of to spite my face but I can't be fked with the hassle.

Edited by mods to remove name and shame
What's wrong with going to the Post Office like most other people? confused
yes You need to go to the Post Office, where they will issue a tax disc. Buy a six month one though, so that you can renew online in May (for 12 months), thus removing yourself from this annoying coincidence of insurance and tax renewal.

tim-b

1,279 posts

232 months

Thursday 18th November 2010
quotequote all
SonicHedgeHog said:
If the police stop you, which they won't, then just show them you have paid. Really can't see what all the fuss is about.
Doesn't make a difference, if you don't have a tax disc showing you're still liable to get in trouble, regardless if you've paid or not. Hence if you order the disc online, you should do it a good few days before it runs out otherwise you (legally) have to wait until it arrives... curse


Zod

35,295 posts

280 months

Thursday 18th November 2010
quotequote all
tim-b said:
SonicHedgeHog said:
If the police stop you, which they won't, then just show them you have paid. Really can't see what all the fuss is about.
Doesn't make a difference, if you don't have a tax disc showing you're still liable to get in trouble, regardless if you've paid or not. Hence if you order the disc online, you should do it a good few days before it runs out otherwise you (legally) have to wait until it arrives... curse
No you don't. There is a five day grace period.

hornetrider

63,161 posts

227 months

Thursday 18th November 2010
quotequote all
Why do you want to cancel the insurance to put it on Sorn? Why not leave insurance valid then Sorn it if required? The insurance DB should update soon anyway, chill winston.

BRMMA

1,897 posts

194 months

Thursday 18th November 2010
quotequote all
cancel your insurance and don't bother with tax, at worst you'll get a £200 fine and blurred face on some st traffic cops programme where you'll be described as a "Road Renegade"

300bhp/ton

41,030 posts

212 months

Thursday 18th November 2010
quotequote all
tim-b said:
SonicHedgeHog said:
If the police stop you, which they won't, then just show them you have paid. Really can't see what all the fuss is about.
Doesn't make a difference, if you don't have a tax disc showing you're still liable to get in trouble, regardless if you've paid or not. Hence if you order the disc online, you should do it a good few days before it runs out otherwise you (legally) have to wait until it arrives... curse
It would also show up on the computer that it was taxed.

oldcynic

2,166 posts

183 months

Thursday 18th November 2010
quotequote all
zod's right - there's now a grace period with online applications - as long as the tax is actually paid online then you've got 5 days to actually display it, although you may want to keep a copy of the receipt/acknowledgement in case you're pulled before the system is updated.

CampDavid

9,145 posts

220 months

Thursday 18th November 2010
quotequote all
300bhp/ton said:
tim-b said:
SonicHedgeHog said:
If the police stop you, which they won't, then just show them you have paid. Really can't see what all the fuss is about.
Doesn't make a difference, if you don't have a tax disc showing you're still liable to get in trouble, regardless if you've paid or not. Hence if you order the disc online, you should do it a good few days before it runs out otherwise you (legally) have to wait until it arrives... curse
It would also show up on the computer that it was taxed.
I theory it's illegal to be on the road without a valid disk. It's failure to display. n practice you'll be completely fine.

I asked a magistrate about this and they said that they've never had anyone in for failing to display and even if they had it would be a complete discharge.

You've paid the tax, these days the disk is just ornamental.


CampDavid

9,145 posts

220 months

Thursday 18th November 2010
quotequote all
oldcynic said:
zod's right - there's now a grace period with online applications - as long as the tax is actually paid online then you've got 5 days to actually display it, although you may want to keep a copy of the receipt/acknowledgement in case you're pulled before the system is updated.
I never knew this but I've checked and it's bang on

taxdisk.gove.pleb.uk said:
I have not received the tax disc. Can I use the vehicle without the tax disc displayed?

When you apply for a tax disc online or by using our phone service you are able to legally continue to drive your vehicle for up to 5 days after the tax disc has expired while you wait for the new tax disc to arrive. This will only apply when you have applied for a new tax disc before the current one expires. You should continue to display the expired disc on your vehicle, until the new one arrives
Edited by CampDavid on Thursday 18th November 16:10

oldcynic

2,166 posts

183 months

Thursday 18th November 2010
quotequote all
From direct.gov.uk...

"If you use the electronic vehicle licensing service or tax by post at the end of the month, there’s now an exemption for not displaying a tax disc. This exemption covers the first five working days of the month to allow time for the new disc to arrive in the post. While you are still waiting for your tax disc you will need to display your current tax disc. The exemption only applies if applications are made before the current tax disc or SORN expires."

Dog Star

17,265 posts

190 months

Thursday 18th November 2010
quotequote all
CampDavid said:
300bhp/ton said:
tim-b said:
SonicHedgeHog said:
If the police stop you, which they won't, then just show them you have paid. Really can't see what all the fuss is about.
Doesn't make a difference, if you don't have a tax disc showing you're still liable to get in trouble, regardless if you've paid or not. Hence if you order the disc online, you should do it a good few days before it runs out otherwise you (legally) have to wait until it arrives... curse
It would also show up on the computer that it was taxed.
I theory it's illegal to be on the road without a valid disk. It's failure to display. n practice you'll be completely fine.

I asked a magistrate about this and they said that they've never had anyone in for failing to display and even if they had it would be a complete discharge.

You've paid the tax, these days the disk is just ornamental.
+1

Any copper that stopped me for the (what is largely irrelevant these days) offence of "failing to display" would be quite welcome to take me to court for it. It is something that any computer check would flag up anyway, whether the disc was displayed - fake or not - along with insurance, license etc.

If I was a magistrate I'd take a very dim view of any police bringing someone up before me for a paper offence like that when the streets are chock full of 'proper' offences!

SGirl

7,922 posts

283 months

Thursday 18th November 2010
quotequote all
SonicHedgeHog said:
Chill out and give them a chance to update the database. You've got ages to get a new disc. Order it on 30th Nov online and print out the confirmation. If the police stop you, which they won't, then just show them you have paid. Really can't see what all the fuss is about.
yes

I couldn't tax my car online last week because the MoT expired on 29 November. I got the car MoTed last Friday and taxed it online on Monday. The tax arrived today.

You're meant to give the tax 5 working days to arrive, apparently, although I've always found they arrive within 3 or 4.

You just have to give the database time to update.

Edited by SGirl on Thursday 18th November 16:26

Plotloss

67,280 posts

292 months

Thursday 18th November 2010
quotequote all
SGirl said:
SonicHedgeHog said:
Chill out and give them a chance to update the database. You've got ages to get a new disc. Order it on 30th Nov online and print out the confirmation. If the police stop you, which they won't, then just show them you have paid. Really can't see what all the fuss is about.
yes

I couldn't tax my car online last week because the MoT expired on 29 November. I got the car MoTed last Friday and taxed it online on Monday. THe tax then arrives within 5 working days, apparently, although I've always found they arrive within 3.

You just have to give the database time to update.
Or not arrive at all and then helpfully be told you're committing an offence by not displaying a disc when you call up to ask where it is.

Nice one, thanks DVLA