HELP - buying a uninsured & SORN car and drive it away ?

[7s2000]

Hi, please help. Google is not helpful.
How to buy a uninsured SORN car and drive it away the same day?

idea 1: at the spot, get insurance cover over the phone/internet, print it out, bring it with the V5 to the post office, get it taxed then drive it away.

idea 2: at the spot, get insurance cover over the phone/internet, then buy road tax online using previous owner's documents, hoping that the insurance database has been updated instantly. Then ask previous owner to mail you the disc when he receives it

idea 3: just bring the V5 to the post office with the owner and see if we can tax it. Once tax is sorted it's easy to get insurance.

idea 4: impossible. DVLA sucks.

Thanks in advance guys

[Ash From Flux]

Idea 1 sounds the most feasible...

[illmonkey]

You no longer need a cover note for tax at a post office.

Go with the seller to the PO, buy the tax with the V5 and MOT, pay for car and drive home. (insurance sorted over the phone). You can also tax a car on the new keepers slip and MOT too. I've done it.

[7s2000]

illmonkey said:

You no longer need a cover note for tax at a post office.

Go with the seller to the PO, buy the tax with the V5 and MOT, pay for car and drive home. (insurance sorted over the phone). You can also tax a car on the new keepers slip and MOT too. I've done it.

Thank you. Just came back from the post office and she asked me to ring DVLA to ask instead - if the car iS UNINSURED & SORN, can we still buy tax disc at the PO with only the V5 and MOT? My doubts are if their system at the PO will decline it if car is uninsured?

[ShyTallKnight]

Well the last SORN car I bought (3 weeks ago) I just insured it before I collected, drove the 250 miles home and taxed it at the PO with the green slip at the next opportunity. I'm probably going to hell though

[Vocal Minority]

Get insurance quote for car tee'd up.

Once bought call to confirm, and get certificate emailed and printed there.

Take this and the green slip (not whole V5) along with its MOT (assuming it has one - if not, its trailer time - or straight to an MOT station) then to post office to get it taxed.

Robert is very much your mothers brother. Car.

[illmonkey]

7s2000 said:

illmonkey said:

You no longer need a cover note for tax at a post office.

Go with the seller to the PO, buy the tax with the V5 and MOT, pay for car and drive home. (insurance sorted over the phone). You can also tax a car on the new keepers slip and MOT too. I've done it.

Thank you. Just came back from the post office and she asked me to ring DVLA to ask instead - if the car iS UNINSURED & SORN, can we still buy tax disc at the PO with only the V5 and MOT? My doubts are if their system at the PO will decline it if car is uninsured?

Surely she needs to know if she can tax the car or not. What if you'd just asked her to issue tax?!


Why'd it not be insured at the point of taxing it?

[7s2000]

Thanks all. Car is roadworthy with MOT but just uninsured & SORN. The pain is I cannot test drive the car *legally* before buying it...

[CrutyRammers]

I've used Dayinsure before to get one day insurance for this kind of thing. Cost about 10-15 quid as I recall.

[Toaster Pilot]

My A6 was SORN when I picked it up - I arranged day insurance using Aviva short term insurance (provided by Dayinsure I think) and then taxed at the nearest PO before driving away.

[P-Jay]

IMHO there's the absolutely right and legal way to do things, and the way most people do things.

Personally I wouldn't buy a car without at least a short test drive, but if that's not possible - caveat emptor.

Typically I'll put the details though go-compare or the like and chose my potential insurer, and make sure I've got the details on me / on my smart phone when the day comes - if I buy the car, I hit the 'buy now' button whilst I'm still sat on the drive and make sure it's insured - then drive it home and tax it within a few days - if you don't span a month-end before you tax it then the DVLA / Revenue hasn't lost out.

There is a small fine for not having a Tax Disc, there is a small fine for not having an MOT (having an un road worthy car is another matter) it's not having valid insurance that means big fines and a minimum of 6 points - it's also the main thing the Police really care about, in my experience they don't give a monkeys about RFL if you're otherwise legal as they're not revenue collectors for the government and fines are automatic anyway.

If you ask the Police / DVLA about it they'll obviously tell you, you need he holy trinity of MOT, Tax and Insurance, but

[SS2.]

A change of keeper triggers a 14 day period of grace from displaying a tax disc.

Get it insured, drive it away and tax it at your leisure..

[illmonkey]

SS2. said:

A change of keeper triggers a 14 day period of grace from displaying a tax disc.

Get it insured, drive it away and tax it at your leisure..

Displaying a tax disc or actually having tax? What if he's spotted by ANPR?

[SS2.]

illmonkey said:

Displaying a tax disc or actually having tax? What if he's spotted by ANPR?

Whilst valid, it's a moot point - the exemption applies only if a new disc has been applied for.

Best just ignore me, it's already been a long day..

[illmonkey]

SS2. said:

illmonkey said:

Displaying a tax disc or actually having tax? What if he's spotted by ANPR?

Whilst valid, it's a moot point - the exemption applies only if a new disc has been applied for.

Best just ignore me, it's already been a long day..

Is it? You suggest 'at his leisure', but if he got caught before applying for the tax online, he'd be liable.

[jgtv]

I would insure it over the phone then tax it online using the reference from the V5 and other documents, no physical tax disc but will show up as you having done what you need to do.

Or is that to straight forward and I am missing something.

[Camoradi]

1) Book the car in for an MOT at a garage in a location where your house is en route from the seller's house to the garage.

2) Drive the car to it's pre booked MOT, passing your house on the way

3) "Break down" outside your house

4) Cancel MOT booking

[Ozzie Osmond]

SS2. said:

A change of keeper triggers a 14 day period of grace from displaying a tax disc.

Seriously? I've bought and sold many cars but the tax disc has never been affected in any way.

The only exemption I know is where a new tax disc has been applied for online and you get 14 days grace for displaying it. This appl;ies on tax disc renewals but I don't know if it applies when a car is being first registered or taken off SORN. Do dealers ever send out cars without tax discs?

[Toaster Pilot]

jgtv said:

I would insure it over the phone then tax it online using the reference from the V5 and other documents, no physical tax disc but will show up as you having done what you need to do.

Or is that to straight forward and I am missing something.

Missing the fact the tax disc will be sent to the previous registered keeper.

[Engineer1]

Ozzie Osmond said:

SS2. said:

A change of keeper triggers a 14 day period of grace from displaying a tax disc.

Seriously? I've bought and sold many cars but the tax disc has never been affected in any way.

The only exemption I know is where a new tax disc has been applied for online and you get 14 days grace for displaying it. This appl;ies on tax disc renewals but I don't know if it applies when a car is being first registered or taken off SORN. Do dealers ever send out cars without tax discs?

Possibly but the rules are changing at the moment what with monthly payment and the removal of the requiremnt for a tax disc.