I just sold the Bongo, but DVLA won't let the new owner tax it!

[Coolcats]

Im with minxy about insurance, as i worry about every little thing, the big "what if" for me would be what if i crash?what would insurance do

Is it mot’d = yes is it insured =yes unable to tax speak due to dvla with your insurer if your worried

 

[Northernraider]

Im with minxy about insurance, as i worry about every little thing, the big "what if" for me would be what if i crash?what would insurance do

I have asked this question to various insurance companies and you are still covered.

I've driven vehicles from the far flung south of England home to Scotland on numerous occasions over the years with no road tax and I've driven vehicles around for a couple of weeks untaxed while I've been waiting for classification changes etc etc. You have to pay tax from the first of a month .if I'm paying for it I'm damm sure I'm going to use it.

Their system is the issue therfore its their responsibility.

I've been stopped well over a dozen times over the years in an untaxed vehicle and each time the police have only ever been interested in the mot and insured status.

Insurance is not invalidated by lack of road tax or mot despite what they may say publicly they have to by law cover you.

Dvla themselves will not take any action on an untaxed vehicle for at least 28 days and they have their own enforcement teams . You can't get the police to attend a road accident these days or a car break in etc never mind a vehicle that's not been taxed for a few weeks.

It is also not an endorsable offence.

 

[Oldrat]

There has to be a serious mistake on your behalf, or serious misleading statement for your insurance to refuse to payout.

Even then their options are limited- they are legally obliged to cover third party injuries (maybe damage too?).

What they may choose to do is decline to pay out for your own damages if they feel that they have been mislead.

And in this respect the insurance companies will normally try to wiggle out of paying you- but I have never heard of it for something as simple as no VEL.


The sting is in the tail though..

If the insurance company feel they have been misled AND they have had to payout to a 3rd party .. they’ll come after you personally through the courts to recoup their costs.

Especially if they have had to pay out large sums for life changing injuries

 

[Northernraider]

There has to be a serious mistake on your behalf, or serious misleading statement for your insurance to refuse to payout.

Even then their options are limited- they are legally obliged to cover third party injuries (maybe damage too?).

What they may choose to do is decline to pay out for your own damages if they feel that they have been mislead.

And in this respect the insurance companies will normally try to wiggle out of paying you- but I have never heard of it for something as simple as no VEL.


The sting is in the tail though..

If the insurance company feel they have been misled AND they have had to payout to a 3rd party .. they’ll come after you personally through the courts to recoup their costs.

Especially if they have had to pay out large sums for life changing injuries

At any time when you've purchased insurance have they asked you if the vehicle is road taxed? They've never asked me.
I've also had vehicles parked up insured that never were road taxed.


Dvla are a bit like the BBC...mostly incompetent but will happily expect you to pay them for their incompetence.

When they changed the taxation system to not being able to transfer it with a vehicle they managed to make themselves a small fortune as many vehicles changing hands are having a months tax paid by 2 separate people

 

[Oldrat]

Not upon insuring the vehicle, but they will almost certainly check if there is a claim.

The insurance company do ask you to notify them of any relevant changes of circumstances at the time of taking on the policy, and they also enter the contract with you on the quite reasonable basis that the vehicle complies with legislation.

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[Coolcats]

Have to say it’s both good to see many want to be law abiding but also the FUD (fear uncertainty and Doubt) that the system invokes…..all helps to keep everyone in line

 

[Astranomicalblue]

The whole crux of the matter is ‘it can be taxed’ so therefore the onus is on the owner to tax the vehicle.

 

[Bill-H]

I’m not sure if VED is included. I would not consider it given it’s less than £15 a month so why would you risk it. But given the chances of being caught and the penalties for non compliance I bet many do.

The RAC site indicates that VED is required

Driving in Europe checklist | Advice and tips | RAC Drive

A European travel checklist to help plan for your trip and keep you safe and on the right side of the law while you are away.

www.rac.co.uk

 

[Minxy]

Insurance is not invalidated by lack of road tax or mot despite what they may say publicly they have to by law cover you.

If the insurance was taken out before the buyer knew that he couldn't tax it online then there's no fraud however he won't have comprehensive cover as he would later knowingly be driving it when it wasn't road legal. If he took out insurance after discovering it couldn't be taxed online and chose to drive it anyway I suspect they would say it was a fraudulent purchase.

It doesn't matter what other people's experience is regarding getting stopped by the police etc, it's the insurance that's important, I wouldn't risk driving any vehicle without fully comprehensive cover especially when there is still a way to tax it and make it legal.

 

[Northernraider]

If the insurance was taken out before the buyer knew that he couldn't tax it online then there's no fraud however he won't have comprehensive cover as he would later knowingly be driving it when it wasn't road legal. If he took out insurance after discovering it couldn't be taxed online and chose to drive it anyway I suspect they would say it was a fraudulent purchase.

It doesn't matter what other people's experience is regarding getting stopped by the police etc, it's the insurance that's important, I wouldn't risk driving any vehicle without fully comprehensive cover especially when there is still a way to tax it and make it legal.

How could the insurance possibly know

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[Minxy]

At any time when you've purchased insurance have they asked you if the vehicle is road taxed? They've never asked me.
I've also had vehicles parked up insured that never were road taxed.

It's in the contract terms of the policy, they don't have to ask you but if you purchase the cover you are deemed to be abiding by their terms.

Dvla are a bit like the BBC...mostly incompetent but will happily expect you to pay them for their incompetence.

They're not incompetent in this regard, there is still a way to tax it, just not online.

When they changed the taxation system to not being able to transfer it with a vehicle they managed to make themselves a small fortune as many vehicles changing hands are having a months tax paid by 2 separate people

That I agree with.

 

[Minxy]

How could the insurance possibly know

In most cases they won't but have an accident and claim and they will certainly find out and it would seriously spoil the buyer's day if their claim was refused or the third party only was covered. Could be an expensive decision!

It's not unheard of for purchasers of vehicles to have a prang as they're not used to driving it.

 

[Itsme]

Thought Police Cars have cameras linked to the DVLA that scan vehicles to ascertain paid or not?

 

[DandJ]

Thought Police Cars have cameras linked to the DVLA that scan vehicles to ascertain paid or not?

Some do have ANPR but can be set to filter out certain offences....RFL presumably being one as it is not the Police who take action.
Emmit mentioned something called a CLE2/6 which was a short form cops used to fill in and they'd get sent to DVLA...generally with no action taken unless the cop had actually spoken with the user/owner of the vehicle.

 

[Sue and Rick]

Thought Police Cars have cameras linked to the DVLA that scan vehicles to ascertain paid or not?

I passed a DVLA van on the M180 yesterday. Cameras on the roof and signage on the side stating it was checking for taxed/ untaxed vehicles.

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[stevewagner]

If your car has been sorned, you can take your vehicle to the MOT station or a repair centre without fear of being fined. (And home again or from a repair centre to the MOT station and back again if it fails the MOT)

In this instance we are being told that for whatever reason the DVLA cannot accept payment for the vehicle for one week. It would seem reasonable that the purchaser takes the. Vehicle home and taxes it. I doubt that they would be fined in the same way of your were taking the vehicle to a repair or MOT station.

A little common sense should be applied eg the purchaser takes the vehicle home and the taxes when the re taxwindow is open again

Only if you have a fixed appointment

 

[John Barrett]

The new owner just called me to tell me he has the V5 and all is OK. Hwe will collect next Tuesday when there is a break in his Social Calendar!
Hoo Bl**dy Ray!
JB