SORN or Insurance, in a predicament

[emu88]

LoonR1 said:

Now you're just trying to buck the system for the sake of it.

If you want the car to be taxed then insure it. Cancel the insurance when you've sold it.

Read your post again ad explain this to me:

You are afraid to use the car on the road with no tax, yet at the same time, you are trying to find a way to break the rule that says it must be insured if you want to maintain the tax status.

It seems bizarre to me that you are scared of one rule, but actively looking to break another.

Course I am nervous to test drive without insurance or tax as it would be on the road, but I am not nervous about keeping the car in my driveway with only the few remaining weeks of tax left but no insurance since I am unable to declare a SORN without cashing in my tax disc which I cannot do as there's less than 1 month on it.

If I get 1 years insurance and pay like 400 for it, if I then sell the car and have 11 months insurance left on it surely they will not refund me!? If I can do that I would happily tax and insure the car until sold, but if not then it's simply retarded to insure the car for 400 odd quid just so I can tax it and sell.

Edit: anywho, can you answer this?: Can I get a tax disc if I insure my car temporarily for say 2 weeks? Is that possible?

[LoonR1]

emu88 said:

Course I am nervous to test drive without insurance or tax as it would be on the road, but I am not nervous about keeping the car in my driveway with only the few remaining weeks of tax left but no insurance since I am unable to declare a SORN without cashing in my tax disc which I cannot do as there's less than 1 month on it.

If I get 1 years insurance and pay like 400 for it, if I then sell the car and have 11 months insurance left on it surely they will not refund me!? If I can do that I would happily tax and insure the car until sold, but if not then it's simply retarded to insure the car for 400 odd quid just so I can tax it and sell.

Edit: anywho, can you answer this?: Can I get a tax disc if I insure my car temporarily for say 2 weeks? Is that possible?

I can answer the question and that is that it depends on the Post Office you go to based on some of the posts on here previously.

Seriously though, you are worried about breaking one rule, but happy to try to circumvent the other. Do you not see the irony in that?

[emu88]

LoonR1 said:

I can answer the question and that is that it depends on the Post Office you go to based on some of the posts on here previously.

Seriously though, you are worried about breaking one rule, but happy to try to circumvent the other. Do you not see the irony in that?

It's only irony if the likelyhood of punishment is equal. I reckon most people would be far less willing to risk driving around public roads with no insurance than to simply park their car on their drive with no insurance.

Thanks, I might then get temporary cover if the car does not sell before the current tax disc runs out and go to the post office with the documents to get 6 months more of tax so as to increase chances of selling. Then ı could just do single day insurances if someone wanted to test drive the car on a main road rather than just around the block.

[KevinA4quattro]

emu88 said:

If I get 1 years insurance and pay like 400 for it, if I then sell the car and have 11 months insurance left on it surely they will not refund me!? If I can do that I would happily tax and insure the car until sold, but if not then it's simply retarded to insure the car for 400 odd quid just so I can tax it and sell.

Why do you think they would not refund you? If you cancel the insurance after 1 month you would receive a refund of 11/12ths minus an admin fee that could be any amount, but you would get some money back.

[Roo]

emu88 said:

I am unable to declare a SORN without cashing in my tax disc which I cannot do as there's less than 1 month on it.

You can declare the car SORN anytime you like. The fact it has less than one months tax left on it just means you aren't entitled to any refund of VED.

[emu88]

Another question! I have 2 people coming to view the car tomorrow have yet to confirm it though. My insurance is expired, so my question is if they want to test drive the car themselves and they get day insurance will it be legal even though my insurance has expired?

Am I correct in understanding that if they wished to drive the car without having to pay daily insurance, I would need to have current insurance so they would be covered third party?

[LoonR1]

emu88 said:

Another question! I have 2 people coming to view the car tomorrow have yet to confirm it though. My insurance is expired, so my question is if they get day insurance will they still be allowed to drive the car even though my insurance has expired?

Am I correct in understanding that if they wished to drive the car without having to pay daily insurance, I would need to have current insurance so they would be covered third party?

It depends on the form of insurance they buy, some may insist on it, some may not. It has nothing to do with your car being insured.

[emu88]

So if when they ring up to finalise the visit tomorrow they say they want to test drive it, should I say 'then you must get day insurance'?

So for both him and me to not be breaking the law, the daily insurance he gets must not require him to be the owner of the car. As long as HE is insured, it does not matter than I am not so long as I don't drive the car during the test drive?

Edited by emu88 on Saturday 24th November 19:25

Edited by emu88 on Saturday 24th November 19:25

[GoneAnon]

Three things I'd like to contribute to this thread.
1) If they drive your car on their insurance using a "Drive Any Car" extension, and have a bump your loss is not covered.
2) Similarly, I've been told that if they park on the street and nip into the shops your car is now on the road without insurance - maybe worth checking that.
3) I seem to recall a thread on here or another car forum where someone bought a car with a tax disc in the window and got done for driving without tax as the previous owner had declared SORN but not returned the disc. The gist of the discussion seems to be that the previously all-important bit of paper doesn't mean much nowadays and we need to check the tax status online.

[LoonR1]

emu88 said:

So if when they ring up to finalise the visit tomorrow they say they want to test drive it, should I say 'then you must get day insurance'?

So for both him and me to not be breaking the law, the daily insurance he gets must not require him to be the owner of the car. As long as HE is insured, it does not matter than I am not so long as I don't drive the car during the test drive?

Edited by emu88 on Saturday 24th November 19:25

Edited by emu88 on Saturday 24th November 19:25

No and I'm losing the will to live.

[emu88]

LoonR1 said:

No and I'm losing the will to live.

Well go and do the deed then, your methods of explanation are very vague anyway.

Thanks anon, interesting info there.

[LoonR1]

emu88 said:

Well go and do the deed then, your methods of explanation are very vague anyway.

Thanks anon, interesting info there.

It's not rocket science though.

Some people may be able to use their Driving other Cars extension on their existing policy, which would cover them TPO. There is NO cover for any damge to your car, only damage they do with your car to others. However, this depends on:

1. Whether they have it
2. Whether it insists on the other car being insured in its own right or not.

The potential purchaser will need to check this in advance with their insurer. nobody on here can answer whether they have this or not.

Despite GoneAnon's comment if they stop mid-journey the car remains insured, as it is mid-journey. At the end of the journey (aka road test) the car must be parked off road.

If you want further cover beyond TPO on DOC, or if they do not have this cover then you can ask them to buy temp insurance for the day.

The T&Cs of that cover will be on their website, you must check these to see what restrictions there are. Again nobody on here can answer any questions around that with any degree of accuracy.

How's that for clarity?

[Lunablack]

Engineer1 said:

SORN cancels your Tax or at least registers on the system as un-taxed, the tax disc becomes invalid and is effectively a voucher that is reducing in value each month you choose not to get the refund.

This is correct, and it can be a right pain.... My insurance was about to run out just as I was leaving the country, but I had a few months tax left, I wasn't bothered about cashing it in, I just wanted to leave it run, then re-insure the car on my return...

Couldn't do it.... Apparantly it is now against the law to leave an uninsured, but taxed vehicle, on your own drive without a SORN...