SORN or Insurance, in a predicament

[emu88]

Ok we are selling our car, it is up for sale now with 1 years MOT, and tax until the end of THIS November. Our insurance though expires in 3 days, on 11th November. I know we either need to renew our insurance or declare a SORN, but my question is can we declare the SORN WITHOUT cashing in the tax disk since it only has 3 weeks left? I could then continue to advertise the car for sale with a SORN and 3 weeks of tax remaining so the new buyer only would need to get insurance done.

BUT are DVLA likely to notice this in the 3 week period and fine me £100?

If so, should I declare a SORN, cash the tax disk and advertise as with no tax? Or will this really crap out my chances of selling?

[emu88]

Yes but could take for a quick spin around the block. Or, the buyer, if on temp insurance, could drive right?

Edit: Or couldn't I declare a sorn but keep tax disc as there' under 1 month left on it, then do daily insurance for a day a buyer wants to test drive and then re-declare a SORN online in the evening?

Edited by emu88 on Thursday 8th November 19:34

Edited by emu88 on Thursday 8th November 19:34

[emu88]

Ok great thanks everyone. And thanks Loon1, I thought so too!

Ss2 I don't understand how taxing a car that is has a SORN does not unSORN it. What does it do to the SORN status then?

I think what I will do then is wait til 11th November when insurance expires, get a SORN and then sell within the three weeks of tax remaining. If someone wants a quick spin round the block I will do that, but if they want a road test drive and are serious I will get daily insurance. But now I am thinking why bother to SORN at all? Couldn't I just leave it uninsured and not drive it for those same three weeks? If the system is as slow as you say and they have to give me 2 weeks to act on any letters then surely it won't matter?

[emu88]

Oh yes quite right. So if I declare it sorn after my ins expires will my tax be invalid, or could I carry on using it for the last 3 weeks in practice? If the latter than I will just do that. We are leaving the country hence the need for a quick sale, but yes insisting on documentary proof of insurance for a test drive is a good idea.

[emu88]

Excellent, thanks a lot for all your help guys. I will do nothing!

Any buyers for an X reg automatic Micra now?

[emu88]

Ok so another question just to make sure. Still have not sold the car but a guy is interested and may come to view in a few days. If he does not buy it though and the 2 weeks remaining road tax runs out then we will have no tax or insurance and will have to get a SORN. That sucks for selling though as cannot test drive. In that case can we take out 2 weeks insurance for example and then get 6 months road tax? Or does your insurance have to be valid for the length of road tax you are applying for? OR if i apply for road tax NOW when the current one still has 2 weeks left but i have no insurance, will that work?

[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?

[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.

[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?

[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

[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.