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Road Tax When Buying A New Car.
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We have had to change our car...failed MOT and not worth the expense of repair.
So we are picking up a car on Sat,but our present car cannot be used after Friday,when MOT runs out.
Now what happens about Tax Disc(we know we can get a refund),but how can we use the new car without one?Do we have to wait until we have sorted out the insurance for the new car before getting new disc.
Can someone run us though the procedure...please.
Category C and Category D Registered Cars
So we are picking up a car on Sat,but our present car cannot be used after Friday,when MOT runs out.
Now what happens about Tax Disc(we know we can get a refund),but how can we use the new car without one?Do we have to wait until we have sorted out the insurance for the new car before getting new disc.
Can someone run us though the procedure...please.
Category C and Category D Registered Cars
Answers
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I just wanted to add that, with a previous car, I had my annual insurance renewal fall in the same month as the tax disc needed replacing. For two years in succession (the first two years it came into being, in fact), the DVLA online site was unuseable because it refused to acknowledge the newly-renewed insurance.
After phoning DVLA, it was explained to me the reasons why: there is about a two week delay between your insurers updating their computer system and the data transfer disks being received by DVLA and input into their computers (ie no magical direct/live linkup, as you might envision it). Slightly absurd setup but that's just the way it is.
So you could renew your insurance on the 15th of the month, for example and still find that the online renewal website will not let you order a tax disk which commences on the 1st of the following month and yet is ordered in sufficient time to arrive through the post by 30th/31st of the current month.
For me, the way around this was to order a 6-month disc, to get the two renewals out of step and I can use the online renewal process with no problems now.
After phoning DVLA, it was explained to me the reasons why: there is about a two week delay between your insurers updating their computer system and the data transfer disks being received by DVLA and input into their computers (ie no magical direct/live linkup, as you might envision it). Slightly absurd setup but that's just the way it is.
So you could renew your insurance on the 15th of the month, for example and still find that the online renewal website will not let you order a tax disk which commences on the 1st of the following month and yet is ordered in sufficient time to arrive through the post by 30th/31st of the current month.
For me, the way around this was to order a 6-month disc, to get the two renewals out of step and I can use the online renewal process with no problems now.
Hi kloofneck,
I'm slightly confused, since you just said you're not going to buy this particular car.
Hypothetically though, if it's taxed to Feb '14 then you'd be entitled to drive it right away, in terms of "vehicle RFL is paid", afaic.
With the insurance though, you need to speak to your insurance company about your plans - even though it's only a plan at this stage.
They need to work out what the annual premium on this car would be (and they might not like the car's accident history). If you're on a pay monthly plan, they just adjust your payments. If you've paid up front for the whole year, in advance, they need to calculate whether they want you to pay an additional sum.
Example
Old car premium £300, you paid all £300 but have only used 8 month's of this so far
New car premium £350/year but there's only 4 months to go until annual renewal so you only owe them 4/12ths of the extra £50. At renewal time, you'll pay £350 (give or take the usual annual price hikes).
I hope that makes sense.
I'm slightly confused, since you just said you're not going to buy this particular car.
Hypothetically though, if it's taxed to Feb '14 then you'd be entitled to drive it right away, in terms of "vehicle RFL is paid", afaic.
With the insurance though, you need to speak to your insurance company about your plans - even though it's only a plan at this stage.
They need to work out what the annual premium on this car would be (and they might not like the car's accident history). If you're on a pay monthly plan, they just adjust your payments. If you've paid up front for the whole year, in advance, they need to calculate whether they want you to pay an additional sum.
Example
Old car premium £300, you paid all £300 but have only used 8 month's of this so far
New car premium £350/year but there's only 4 months to go until annual renewal so you only owe them 4/12ths of the extra £50. At renewal time, you'll pay £350 (give or take the usual annual price hikes).
I hope that makes sense.
Forgot to add what would happen if you decide to become car-less for a numbe r of months.
If your insurance is paid monthly, you just stop the payments. However, you then enter a lapsed period and you need to ask your insurer where you stand with regard to no-claims bonus when your driving record becomes non-continuous. A few months should be okay; several years' gap might make them want to reset your NCD to a lower value.
If you've paid up the whole year in advance, you'll need to decide whether to stop the policy and demand a partial refund for the unused premium (watch it, they'll be early termination penalties to deter you) or to hang onto it for convenience while you shop around for a new car.
This all revolves around the attitude of the insurer: whether they insure you, as a driver, or the car. (In reality, I think it's a bit of both).
If your insurance is paid monthly, you just stop the payments. However, you then enter a lapsed period and you need to ask your insurer where you stand with regard to no-claims bonus when your driving record becomes non-continuous. A few months should be okay; several years' gap might make them want to reset your NCD to a lower value.
If you've paid up the whole year in advance, you'll need to decide whether to stop the policy and demand a partial refund for the unused premium (watch it, they'll be early termination penalties to deter you) or to hang onto it for convenience while you shop around for a new car.
This all revolves around the attitude of the insurer: whether they insure you, as a driver, or the car. (In reality, I think it's a bit of both).
Does no MOT invalidate insurance?
It is a common misconception that driving around without a valid MOT will automatically invalidate car insurance.
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Yep it sure is - a very common misconception
It is a common misconception that driving around without a valid MOT will automatically invalidate car insurance.
http://
Yep it sure is - a very common misconception
Okay, if you buy your son's car:
Stage 1) Speak to your insurers - they will advise you of the adjustments to annual premium/monthly payments, which will depend on the date of sale you agree with your son.
Stage 2) Pay any additional payment due or wait for the monthly payment date to pass
Stage 3) Wait an additional 2-3 weeks
Stage 4) Try to buy a 12 month disk online at the DVLA website.
Stage 5) Return the Feb14 tax disk to your son
Stage 6) He sends off the disk for a refund of any unused months _it is not transferrable to his next car_
Due to the time delays there is a risk that he misses the opportunity to get a refund off DVLA for October 13 (it is already too late to get refund for Sept). It may be more convenient to all concerned to buy the tax disk off him as part of the deal.
Stage 1) Speak to your insurers - they will advise you of the adjustments to annual premium/monthly payments, which will depend on the date of sale you agree with your son.
Stage 2) Pay any additional payment due or wait for the monthly payment date to pass
Stage 3) Wait an additional 2-3 weeks
Stage 4) Try to buy a 12 month disk online at the DVLA website.
Stage 5) Return the Feb14 tax disk to your son
Stage 6) He sends off the disk for a refund of any unused months _it is not transferrable to his next car_
Due to the time delays there is a risk that he misses the opportunity to get a refund off DVLA for October 13 (it is already too late to get refund for Sept). It may be more convenient to all concerned to buy the tax disk off him as part of the deal.
