Confusion over private reg retention
Discussion
Hi, I was hoping you folks could help me out as I think I'm overthinking this and have now gotten myself confused.
Current car has a private plate but I'm PXing this car next week. The new car will be registered for the first time under my private registration, so as requested by the dealership, I've now retained my private reg so that the new V5 will arrive by next week.
This is where the confusion comes in.
The current car was also registered under my private reg from brand new, so has only just been assigned an age-related plate for the first time. Obviously, this means I've never had plates for the age-related reg before and can't just easily swap the plates around.
As of now, the car is currently sat in the driveway with the private plates still on and the insurance untouched, but the car comes up on the DVLA records as the age-related plate. So even though the insurance still matches the plates that are physically on the car, I assume it's illegal to continue driving the car like this for the next week? This is the option I prefer the most and have done in the past, but I don't want to push my luck if this is a huge no-no with the police. I've also inquired about this with my insurance company, and they say that my insurance is correct as long as the plates that are physically on the car match with the reg that's on the policy document. But the car's tax will be now be tied to the new age-related registration, so I suppose I risk being pulled over for no tax.
For those who've been in this situation before, what route did you go down? I grudge the hassle and cost of getting new plates made up and the insurance admin fees just for a car that I'm about to get rid of in a week.
Am I overthinking this?
Current car has a private plate but I'm PXing this car next week. The new car will be registered for the first time under my private registration, so as requested by the dealership, I've now retained my private reg so that the new V5 will arrive by next week.
This is where the confusion comes in.
The current car was also registered under my private reg from brand new, so has only just been assigned an age-related plate for the first time. Obviously, this means I've never had plates for the age-related reg before and can't just easily swap the plates around.
As of now, the car is currently sat in the driveway with the private plates still on and the insurance untouched, but the car comes up on the DVLA records as the age-related plate. So even though the insurance still matches the plates that are physically on the car, I assume it's illegal to continue driving the car like this for the next week? This is the option I prefer the most and have done in the past, but I don't want to push my luck if this is a huge no-no with the police. I've also inquired about this with my insurance company, and they say that my insurance is correct as long as the plates that are physically on the car match with the reg that's on the policy document. But the car's tax will be now be tied to the new age-related registration, so I suppose I risk being pulled over for no tax.
For those who've been in this situation before, what route did you go down? I grudge the hassle and cost of getting new plates made up and the insurance admin fees just for a car that I'm about to get rid of in a week.
Am I overthinking this?
When you retained the plate online you would have been emailed a form that allows you to go and get a set of plates made up.
Simply get plates affixed to the car (Halfords is by far the easiest place gto do this) change the reg with your insurance company to the age related mark and you can drive the car.
I don't understand what all the fuss is about, you just need to spend a few £'s buying plates and possible a small charge from your insurance company.
Simply get plates affixed to the car (Halfords is by far the easiest place gto do this) change the reg with your insurance company to the age related mark and you can drive the car.
I don't understand what all the fuss is about, you just need to spend a few £'s buying plates and possible a small charge from your insurance company.
95JO said:
Scrump said:
My insurers don’t charge for a plate change, this can even be done online to save having to be put on hold if using the telephone.
I think he doesn't want to spend £20 on a set of plates for a weekI struggle to understand how someone can spend thousands of pounds on a new/nearly new car, that will lose thousands in depreciation, and then worry about spending £20 on a set of number plates!
4rephill said:
95JO said:
Scrump said:
My insurers don’t charge for a plate change, this can even be done online to save having to be put on hold if using the telephone.
I think he doesn't want to spend £20 on a set of plates for a weekI struggle to understand how someone can spend thousands of pounds on a new/nearly new car, that will lose thousands in depreciation, and then worry about spending £20 on a set of number plates!
Although OP is also complaining about the insurers admin fee, which may not even be applicable.
irnbru718 said:
I grudge the hassle and cost of getting new plates made up and the insurance admin fees just for a car that I'm about to get rid of in a week.
Surely when you come to trade the car in you will be trading it in using the log book issued by the DVLA with the age related plates shown at the top. I would think the dealer is expecting to have a car traded in with plates displayed which match the log book?
This seems a whole load of hassle for yourself to save £20-£30.
This seems a whole load of hassle for yourself to save £20-£30.
When retention cert arrives, change over number plates of old car to the new reg nr (as others have said just buy them from Halfords) + inform insurance of that too. Say a week later trade in old car for new car that will have the private plate on it then swap over insurance again.
TX.
TX.
It is part of the cost of having a private plate, if you cant afford the £20 then you should have let the number stay on the car. You will have completed a declaration to the DVLA that you WILL change the plates to the new number.
Imagine how difficult it is going to be selling a car where the plates don't match the V5 . . . . . any trustworthy buyer is going to walk away.
Imagine how difficult it is going to be selling a car where the plates don't match the V5 . . . . . any trustworthy buyer is going to walk away.
I’m trading the car back into a main brand dealership and it will be part of their preowned stock, so these plates will be torn off anyway and replaced with their own dealership branded ones. That’s why I grudge paying the £40 Halford’s charge for plates plus the £25 admin fee my insurance charges to update the policy just for the sake of being able to drive the car to the dealership. Suppose I’ll just have to suck it up! Thanks for all the advice - I’m now off to get the plates fitted!
IJWS15 said:
It is part of the cost of having a private plate, if you cant afford the £20 then you should have let the number stay on the car. You will have completed a declaration to the DVLA that you WILL change the plates to the new number.
Imagine how difficult it is going to be selling a car where the plates don't match the V5 . . . . . any trustworthy buyer is going to walk away.
Imagine not reading the original post properly and realising that the dealer is putting the chrerished plate on the new car, so the old car will have age related plates on anyway.Imagine how difficult it is going to be selling a car where the plates don't match the V5 . . . . . any trustworthy buyer is going to walk away.
irnbru718 said:
I’m trading the car back into a main brand dealership and it will be part of their preowned stock, sothese plates will be torn off anyway and replaced with their own dealership branded ones That’s why I grudge paying the £40 Halford’s charge for plates plus the £25 admin fee my insurance charges to update the policy just for the sake of being able to drive the car to the dealership. Suppose I’ll just have to suck it up! Thanks for all the advice - I’m now off to get the plates fitted!
How about asking the dealer to supply the new "dealer scripted" plates or is that going to be too much inconvenience for you?When I part ex’d my car a few months ago, i put my plate on retention online, and had a wait of a week before the new v5 came through. Although it did say online to changed the plate immediately I didn’t, because the v5 I held wouldn’t match the new plate. Once the new v5 arrived I had a wait of a few days before collecting the new car. I didn’t bother changing the plates over and informed the dealership the car would be coming in with the old plate on, they weren’t in the slightest bit concerned. I’m quite confident any insurance related query that may have cropped up could easily have been resolved by explaining the transition of ownership of the car and plate. It’s the car that’s insured not the number plate. If the worst come to the worst, and I had been stopped, i could have said I hadn't received the new v5 yet so was holding back changing the plate. Not that I am condoning anything other than playing a straight bat at all times of course. I suppose I could have been charged with displaying an incorrect reg plate, but as with all things, you asses the risks and decide whether to take your chances or not!
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