Insurance question
Discussion
I had a little fender bender last year, low speed shunt, not much damage, entirely my fault. Insurance has settled, no problem.
It was a couple of weeks after I'd renewed my insurance. I was looking to change cars at the time, but my broker was giving me silly quotes on the car in question due to the accident being within the last year.
What I had planned to do at the end of the year's insurance, was let it lapse for a month or so, leave the car off road, and reinsure after the anniversary of the accident, hopefully getting slightly more reasonable quotes.
As far as I'm aware this would have worked fine, but I believe now that if a car is uninsured it needs to be SORNed (another case of the law being changed to stop criminals but actually causing more grief for Joe Public.
As a result, if I want to do this I have to SORN the car and then retax. Without looking into it too much, I would imagine I would be on to a loser with this with admin charges and partial months lost etc. The alternative is to chance it and hope I get away with it uninsured but taxed (remember, car would be left off road) - not sure what the consequences are - a fine, or would it be an IN10
in which case definitely not worth the risk!
Or is it just a huge amount of hassle for no real reason, and just suck up the huge premiums... (got quoted £3k to insure a TVR S2!
)
It was a couple of weeks after I'd renewed my insurance. I was looking to change cars at the time, but my broker was giving me silly quotes on the car in question due to the accident being within the last year.
What I had planned to do at the end of the year's insurance, was let it lapse for a month or so, leave the car off road, and reinsure after the anniversary of the accident, hopefully getting slightly more reasonable quotes.
As far as I'm aware this would have worked fine, but I believe now that if a car is uninsured it needs to be SORNed (another case of the law being changed to stop criminals but actually causing more grief for Joe Public.
As a result, if I want to do this I have to SORN the car and then retax. Without looking into it too much, I would imagine I would be on to a loser with this with admin charges and partial months lost etc. The alternative is to chance it and hope I get away with it uninsured but taxed (remember, car would be left off road) - not sure what the consequences are - a fine, or would it be an IN10
in which case definitely not worth the risk!Or is it just a huge amount of hassle for no real reason, and just suck up the huge premiums... (got quoted £3k to insure a TVR S2!
)You can try 3 things - how much of a guinea pig do you want to be
First is to just leave it off road. According to flowchart the first thing you get is a letter to say it's taxed but not insured. Only if you ignore do you get a fine. It's not clear if anyone has received one of these letters.
However there is a theory that the police may search for off road cars and check they're taxed but not insured. Again no one has said this has happened
(Obviously if it's not taxed and not SORNed a fine is automatic)
Second is to SORN but keep the tax. As soon as you re-insure phoneup DVLA and tell them your car is now insured youve kept the tax so can they unSORN it
In theory you dont need to but your car status will be SORN and DVLA may have marked your tax status as cancelled even though you have a disc.
If they have.. complain - but dont use the car on the road if theres disagreement about whether it's taxed - if in doubt buy extra tax
Third is to do what is preferred and SORN, send back the tax, then reapply for tax once you have insurance.
Post up what happens
First is to just leave it off road. According to flowchart the first thing you get is a letter to say it's taxed but not insured. Only if you ignore do you get a fine. It's not clear if anyone has received one of these letters.
However there is a theory that the police may search for off road cars and check they're taxed but not insured. Again no one has said this has happened
(Obviously if it's not taxed and not SORNed a fine is automatic)
Second is to SORN but keep the tax. As soon as you re-insure phoneup DVLA and tell them your car is now insured youve kept the tax so can they unSORN it
In theory you dont need to but your car status will be SORN and DVLA may have marked your tax status as cancelled even though you have a disc.
If they have.. complain - but dont use the car on the road if theres disagreement about whether it's taxed - if in doubt buy extra tax
Third is to do what is preferred and SORN, send back the tax, then reapply for tax once you have insurance.
Post up what happens
The DVLA are so friggin incompetent that getting it SORNed/UnSORNed and the tax refunded/re-taxed could take the best part of 6 months. I had to get a tax refund on a car I had bought from a dealer but had to return due to a fault... it took forever, they are absolutely hopeless.
I would be seriously tempted to chance it myself. These laws are idiotic anyway - criminals don't give a s
te and the ordinary honest motorist yet again gets shafted.
I would be seriously tempted to chance it myself. These laws are idiotic anyway - criminals don't give a s
te and the ordinary honest motorist yet again gets shafted. saaby93 said:
You can try 3 things - how much of a guinea pig do you want to be
First is to just leave it off road. According to flowchart the first thing you get is a letter to say it's taxed but not insured. Only if you ignore do you get a fine. It's not clear if anyone has received one of these letters.
I can confirm receipt of a letter from the DVLA about my uninsured un-SORN'd car approximately 4 months after it stopped showing as insured on AskMid. I SORN'd the car shortly afterwards (the tax was due to run out anyway) and haven't received a fine or any further correspondance.First is to just leave it off road. According to flowchart the first thing you get is a letter to say it's taxed but not insured. Only if you ignore do you get a fine. It's not clear if anyone has received one of these letters.
i too can confirm that they send out warning letters if the car is not insured. I had the first letter and ignored it, meaning to put my van back on the road, however the lovely, considerate and understanding people at dvla have now sent me a fine of £100 to be paid within a month!!! if i dont pay this fine then i could face prosecution, a £1000 fine and the car/van being clamped/impounded. the van is still taxed and hasnt been on the road since march 2011 but i had a cracked head so its not even drivable, its a joke.
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