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Car Tax

jarica Avatar
9y, 2w agoPosted 9 years, 2 weeks ago
Does anyone know if driving without having your car taxed invalidates your insurance?

Basically I am buying a new car tomorrow and it is not taxed my cover note may not be here in time to get it taxed before I need to drive it home. I can not tax it online the site will not let me.

I would have all the docs bar the cover note in my car so if stopped by the police I can say that I am ready to do it just awaiting the cover note.

Anyone know for sure if I would be ok?

:thumbsup:
jarica Avatar
9y, 2w agoPosted 9 years, 2 weeks ago
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1 Like #1
If the car has no road tax, the ABI says insurers are still obliged under the Road Traffic Act to pay out for both third party and comprehensive claims. The fact that you are commmitting an offence by not having tax is irrelevant

You can insure a vehicle without tax, but not tax a vehicle without insurance
#2
You will have a grace period where you can tax the car. If you're just getting the car, then in addition to you not have received the cover note the DVLA will not even know you own the car. They realise that these things take time.
#3
You have NO grace period, if the police stop you then you ARE breaking the law. You should'nt even be collecting the car until you have insurance and tax in hand. Believe me i know first hand :-)

P.S if you have no MOT that cancels your insurance, and i BELIEVE (only believe) the same applies to tax.
#4
Lulu'sMammy
You have NO grace period, if the police stop you then you ARE breaking the law. You should'nt even be collecting the car until you have insurance and tax in hand. Believe me i know first hand :-)

P.S if you have no MOT that cancels your insurance, and i BELIEVE (only believe) the same applies to tax.


Sorry I haven't been clear.

I was refering to transporting the vehicle from the place of purchase to the new address. By the letter of the law, you need a tax disc to drive any vehicle on a public road at any time. However, if you are transporting the car and not driving it (and can PROVE it) and not stopping anywhere en route the if you are stopped, it is unlikely the police will take it any further as it can be over 2 weeks before you get a tax disc you've paid for online, but are still allowed to drive the car and the car is taxed, but you haven't got the disc yet.

However, the seller of the car should have taxed it for you as part of the sale as they would have had the vehicle insured either privately or under trader's insurance.

Having a MOT or tax is NOT a legal requirement for having car insurance. The only issue is if you made a claim without an MOT, where the insurance company would most likely value your car lower as it had no MOT and therefore no proof it was roadworthy.
#5
Buy your Tax disc online, then the DVLA will have a record of a tax disc purchase just not one to display, the police can check this if need be and will be fine.

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