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?
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!
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