going to buy a car tomorrow, Insurance/tax problem

[paulwoof]

so im going to look at a new car tomorrow.
here lies the dillema, i need to drive it home, but the car is currently sorn, presumably due to the new continual insurance rule which annoys everyone.

so do i go about this?
say i go up and like the car and agree on a price, i will insure it theyr and then. but i will also need to tax it theyre and then to legally drive it home.

problem comes with being able to tax it. i will insure but i will need it to be updated on the Insurance database which i believe takes days, not 5 minutes, so i wont be able to tax it.

how do i work this one out?

[Ecurie Ecosse]

Tax it online on your smart phone?

I was in the same situation a couple of years ago - I phoned the insurance company and then taxed it online.

[paulwoof]

the problem being the insurance needs to be on the insurance database to be able to tax it,
i can insure it on the spot, but im presuming if i then phone up the dvla they wont see the insurance on their database therefor wont be able to tax it.

[xRIEx]

- Get to a post office with the new keeper supplement before 12ish (or whenever they shut on a Saturday)
- Pick it up another day once you've had a chance to tax it
- Pay a vehicle delivery company to move it for you
- Hire a trailer or a truck
- Drive it home without tax

[Fox-]

Ecurie Ecosse said:

Tax it online on your smart phone?

You can't because:

a) You are not the registered keeper on the database so it goes to the previous owners house.
b) You can't drive it until the disc turns up (the grace period only applies if you relicense a vehicle before its tax expires, which isn't the case here).

It's post office time.

[deeen]

Ask the current owner to tax it.

[daemonoid]

Many insurers email your cert over immediately. When I purchased my monster I insured it, drove to the post office, showed the emailed pdf on my iPad and they took the V5 off me and sent it off for me. Went back and got on the bike and rode off! Easy.

[Pontoneer]

Insure it , book it in for an MOT near home , take it for the test , then drive home from the test - all legal , plus the MOT should confirm the car is basically sound .

[GC8]

Yes, Id day insure it and buy it 'without an MOT'. Book the MOT for Monday morning and legally drive it home.

Thisll ruffle some peoples feathers but its water tight.

[paulwoof]

the car currently has a mot though.

it would still set off anpr cameras surely?
its a fair drive aswell, 3 hours or so. i really dont want to risk points etc.

its a bit of a nightmare

[GC8]

It may well do, but if you buy it without a certificate then itll be easier to simply submit it for an MOT test, and this gives your new purchase a reassuring once over too.

You have to read between the lines.

[ensignia]

A friend has not had tax since October 2009 and insurance and MOT a few months prior to that. He drives pretty much daily and has never been caught in 2 and a half years. You'll probably be OK if you do risk it.

[GC8]

Providing that you have insurance and a driving licence, the law isnt particularly bothered. Its the 1st of June today: if you buy the car tomorrow and then tax it on Wednesday morning (back to today), then I cant see the DVLA or the local VRO who prosecute, being bothered.

[The Moose]

ensignia said:

A friend has not had tax since October 2009 and insurance and MOT a few months prior to that. He drives pretty much daily and has never been caught in 2 and a half years. You'll probably be OK if you do risk it.

Cue the thread turning into discussing whether this guy should be your mate or not!

[paulwoof]

GC8 said:

Providing that you have insurance and a driving licence, the law isnt particularly bothered. Its the 1st of June today: if you buy the car tomorrow and then tax it on Wednesday morning (back to today), then I cant see the DVLA or the local VRO who prosecute, being bothered.

are you sure?
i would presume one police car behind me and it would flag up straight away. no tax. points and fine?

[GC8]

No points for driving an untaxed vehicle and the SORN is cancelled with a change of keeper. The DVLA prosecute, the police only report and its the local VRO who will actually take you to court, but Im not aware of them ever doing this for one or two days.

Admittedly I havent tested this recently, but I have many times in the past.

[GC8]

Anyway, I wouldnt need to be sure as Id buy the car without an MOT, making a trip to the testing station necessary (with an appointment and all that that implies).........

[Petrolhead_Rich]

If caught by an ANPR camera you get a DVLA warning letter, not sure about if stopped by the police though, smile sweetly??

I only know this because a few years ago I drove a car I had repaired to its first MOT without TAX etc, ANPR camera in Shorpe caught me and I got a warning letter from DVLA, no action taken.

[Ecurie Ecosse]

Does the owner still have it insured?

If so, he or she could tax it and you could drive it back. It would still show on askmid as being insured - get him or her to cancel their insurance a few days later. Sort out your own insurance too, of course.

[SmoothCriminal]

To be honest I know it's taboo on here but I'd risk the drive back if stopped would produce all my evidence at roadside that it's a new recent purchase as they probo get it all the time by unsavoury characters and hope the copper is a nice chap if not then id take the £60 fine on the chin.