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Road Tax question

Scouser78 Avatar
8y, 9m agoPosted 8 years, 9 months ago
Hoping someone can give advice.

I'm part ex'ing my car on 1st March for a brand new car, which has all been agreed but I can't pick up until then as it will be a new 08 plate.

My current car's road tax runs out on 29th Feb and I'll be taking it in the next day.

Do I have to purchase 6 months worth of road tax before then so I'm covered for 1st March and then resend the disc in the post to get some of it back, or will the DVLA be lenient enough to let me go part ex it without that day's tax?

It will only be till 8am and the trip will take about 25 mins.

Just don't see the point of sorting it all out and then having to send back the disc where I'll probably only get back 75% of the tax disc price even tho I've used it for one day.
Scouser78 Avatar
8y, 9m agoPosted 8 years, 9 months ago
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(38) Jump to unreadLocked
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#1
Why don't you phone the DVLA, surely that's better than asking on here?

If you are given incorrect information you have no comeback on HUKD.
#2
You get 30 days grace, but I'd phone DVLA to check
#3
The road tax part shouldn't be a problem - I've done this a couple of times.

Your main concern should be whether or not your insurance company will still be willing to cover you if you have no tax disc - phone them just to check.
#4
Can you not drop off your old car on the 29th?
#5
cis_groupie
The road tax part shouldn't be a problem - I've done this a couple of times.

Your main concern should be whether or not your insurance company will still be willing to cover you if you have no tax disc - phone them just to check.


Yes, just to drive it to part - ex it fine as long as that is the only place you drive, as cis_groupie says though and I agree I doubt your insurance will be valid
#6
You WONT be covered on insurance so if you have an accident over the time your not taxed then the likleyhood is you insurance company will not pay out. An outside chance I know, but do you want to take a risk?

If the police see you then you'll likeley get a producer and a 30 day notice to get road tax.

I had this problem last year when picking up a new car. I spoke to the dealership who agreed to effectivley buy my remaining road tax from me when I handed in the part exchange. So I bought 6 months tax to cover the week between when I was out of tax and when I picked up the new car and the dealer refunded as agreed.

Another option for you if the dealer does not agree this is to buy 6 months tax then remove the disc when getting the new car - then take the disc to the post office where you can cash in the remaining un-used 5 complete months.

Or, you could take a chance ;) and it's only 25 mins !

I hope this helps!
#7
As most of said, you will not be covered on insurance and you do not have any grace on time. If your tax ends February 29th, then you must buy a new tax disc, even for one day.

But would the dealership be open in the evening? Perhaps drive your old car before 23:59 and pick up your new one at Midnight as long as that's taxed of course!
[helper] 1 Like #8
Ask the dealership if they will give you a courtesy car for overnight
banned#9
ChrisUK;1612786
You get 30 days grace, but I'd phone DVLA to check

wrong! You dont get any grace on road tax. If it is on the road with expired tax then its an offence. Massive urban myth that you get grace on road tax; and MOT come to that.

To the OP - why not just drive the car to the garage the night before after agreeing it with them and leaving it there?
banned#10
suze;1612812
Yes, just to drive it to part - ex it fine as long as that is the only place you drive, as cis_groupie says though and I agree I doubt your insurance will be valid

You shouldn't give advice unless its correct.
#11
Sod the tax, drive it there. The reason I say that is you will be signing the car over to the dealership on that day, so they will be responsible for the tax. Note, the V5 doesn't have a TIME of transfer box, only a date of transfer ;-)
#12
Shengis
Sod the tax, drive it there. The reason I say that is you will be signing the car over to the dealership on that day, so they will be responsible for the tax. Note, the V5 doesn't have a TIME of transfer box, only a date of transfer ;-)


The main issue here is insurance, not the DVLA finding out he was out of road tax for a day. If he has a smash (although unlikley) and his insurance finds out he was not taxed (a requirement of all insurance policies) then he's scuppered.

If it was me, I would not bother with the tax for 25 min journey but at least he knows the risk.
#13
Why don't you ask the dealer to deliver your new car they would then take the old car back to the garage on trade plates.
#14
Ritchie 2
The main issue here is insurance, not the DVLA finding out he was out of road tax for a day. If he has a smash (although unlikley) and his insurance finds out he was not taxed (a requirement of all insurance policies) then he's scuppered.

If it was me, I would not bother with the tax for 25 min journey but at least he knows the risk.


But as it's on renewal day, if the worst happened he could just pop into the local post office and grab a 6 month disc. He will after all have the V5 and MOT on him, ready to give the dealer:)

By the way, i've never seen on any of my policy booklets that you need a tax disc for the insurance to be valid. How does that affect people like me who 'lay' their cars up sorned for 6 months a year?
#15
Personally I would take the risk ;)

On my policy there is a statement saying that for the insurance to be valid I must have valid road tax and MOT (if applicable) for the duration of the policy. It also says that my vehicle should not contravene any government legislation (or words to that effect).

If your Sorning, you could cancel your insurance because the car does not need to be insured if it is off road. Personally I would just reduce it to TPF+T to keep my no claims ticking over.
banned 1 Like #16
Ritchie 2;1613100
Personally I would just reduce it to TPF+T to keep my no claims ticking over.

On the subject of TPFT policies, my policy was reduced by half for eliminating the fire and theft part. Worth considering if you live in a low crime area and your car isn't a prime theft target.
#17
csiman
On the subject of TPFT policies, my policy was reduced by half for eliminating the fire and theft part. Worth considering if you live in a low crime area and your car isn't a prime theft target.


Last time I asked for a TP only quote there was only about £15 in it. Bit of a con really. Maybe that's changed now.
banned#18
Shengis;1613062

By the way, i've never seen on any of my policy booklets that you need a tax disc for the insurance to be valid. How does that affect people like me who 'lay' their cars up sorned for 6 months a year?

It is nevertheless a fact that with no tax or MOT then the insurance is invalidated. In your case, it is immaterial as your car is off the road anyway.

Insurers verify MOT/Tax of both parties with DVLA in the event of a claim. I know this as I worked on an insurers computer interface for this exact reason.
#19
csiman
On the subject of TPFT policies, my policy was reduced by half for eliminating the fire and theft part. Worth considering if you live in a low crime area and your car isn't a prime theft target.


Thanks for the tip, I might consider that next time I renew.
#20
Firstly the DVLA will not do anything unless the tax is disc is more than 14 days overdue. I have tried to report people before this and they will not take details. No police officer would ever waste their time filling in paperwork fo a tax disc being hours out of date. Having no insurance, tax or MOT are 3 seperate offences so just because you have no tax if ever you did have a smash etc and end up in court if you would only get done for no tax (not that it would ever get that far). If the worst happened you could always buy tax that day. It may have some note on your insurance about having tax but how are they going to know??!!
If you want to be on the safe side take it the previous day, the garage want your buisiness so will try to accomodate. If I was you though I would just take it on the day if there was no other option.
#21
wookiemummy
Firstly the DVLA will not do anything unless the tax is disc is more than 14 days overdue. I have tried to report people before this and they will not take details. No police officer would ever waste their time filling in paperwork fo a tax disc being hours out of date. Having no insurance, tax or MOT are 3 seperate offences so just because you have no tax if ever you did have a smash etc and end up in court if you would only get done for no tax (not that it would ever get that far). If the worst happened you could always buy tax that day. It may have some note on your insurance about having tax but how are they going to know??!!
If you want to be on the safe side take it the previous day, the garage want your buisiness so will try to accomodate. If I was you though I would just take it on the day if there was no other option.



They will know because if you have an accident the first thing the insurance company will do is request all of your details from DVLA and it will show up that you were not taxed - therefore you have not complied with the insurance policy and they will not pay and costs whatsoever. Then they will probably put a note on the UK insurance database which means for the next 5 years you will have special conditions imposed on your insurance policies.

Probably a risk worth taking but people should know that driving without tax could be dodgy.
banned#22
wookiemummy;1613508
Firstly the DVLA will not do anything unless the tax is disc is more than 14 days overdue. I have tried to report people before this and they will not take details. No police officer would ever waste their time filling in paperwork fo a tax disc being hours out of date. Having no insurance, tax or MOT are 3 seperate offences so just because you have no tax if ever you did have a smash etc and end up in court if you would only get done for no tax (not that it would ever get that far). If the worst happened you could always buy tax that day. It may have some note on your insurance about having tax but how are they going to know??!!
If you want to be on the safe side take it the previous day, the garage want your buisiness so will try to accomodate. If I was you though I would just take it on the day if there was no other option.

You really don't know what you are talking about. Do some research before talking nonsense :whistling:
banned#23
ChrisUK;1612786
You get 30 days grace, but I'd phone DVLA to check


Completely untrue.

I got done when driving on the first of the month whilst on my way to the post office. I hadnt known it at the time (it was a traffic warden at a set of traffic lights!) - but got a letter 2 weeks later to tell me I was driving without a road tax. I had a valid road tax - just not displayed until I bought it an hour later! Still got done with a fixed penalty fine.
banned#24
wookiemummy;1613508
Firstly the DVLA will not do anything unless the tax is disc is more than 14 days overdue. I have tried to report people before this and they will not take details. No police officer would ever waste their time filling in paperwork fo a tax disc being hours out of date. Having no insurance, tax or MOT are 3 seperate offences so just because you have no tax if ever you did have a smash etc and end up in court if you would only get done for no tax (not that it would ever get that far). If the worst happened you could always buy tax that day. It may have some note on your insurance about having tax but how are they going to know??!!


Very very bad advice. Any overdue road tax will land you on court. You may get lucky - but I wouldnt bank on it.


If you want to be on the safe side take it the previous day, the garage want your buisiness so will try to accomodate. If I was you though I would just take it on the day if there was no other option.


Good advice. Ask the dealer if you can have a courtesy car for the day. Id imagine they might be helpful.
#25
Thanks for all the comments! Only just got the chance to get back on my PC and was expecting a couple of replies tops.

I've tried calling the DVLA but all I'm getting is an automated response and when I do get through to somebody they tell me I've called the wrong department and get put on hold for about 10 minutes.

I may be able to drop car off night before and get a friend to drop me off on the day. I'll just fill out the tax reminder saying I transferred over on 29th Feb.

Thanks for all the advice. It goes without saying that the day I don't have the car tax is probably the day I have an accident/stopped by police. Sods law.
#26
csiman
It is nevertheless a fact that with no tax or MOT then the insurance is invalidated. In your case, it is immaterial as your car is off the road anyway.

Insurers verify MOT/Tax of both parties with DVLA in the event of a claim. I know this as I worked on an insurers computer interface for this exact reason.


Not true with many insurers, the car only has to be " roadworthy " to be covered, only a few insurance companies insist on a valid MOT to be covered.

I insure a car that I do not use, in case of fire or theft, however it is not MOT'd or taxed, that is OK with my insurers, and yes I have checked with them.
#27
Right, finally got through to a Tracy at DVLA who said that I'll be fine to take the car in on 1st March as they acknowledge the vehicle will be switched over on that day therefore it will be the responsibility of the new keeper to tax it.

They then give the new keeper 14 days to acknowledge them of the status of the car. So as I'm part ex'ing to a dealer they will have to do the necessary not me.

Weight off the mind, looking forward to 1st March now.
#28
drive it to the dealers the night before and park it on his forecourt.(off road)
#29
Scouser78
Right, finally got through to a Tracy at DVLA who said that I'll be fine to take the car in on 1st March as they acknowledge the vehicle will be switched over on that day therefore it will be the responsibility of the new keeper to tax it.

They then give the new keeper 14 days to acknowledge them of the status of the car. So as I'm part ex'ing to a dealer they will have to do the necessary not me.

Weight off the mind, looking forward to 1st March now.


I hope you got that in writing from the DVLA.;-)
banned#30
Inactive;1622169
I hope you got that in writing from the DVLA.;-)


Indeed, my thoughts also.
#31
Claim your polish if you decide to go with no tax and get stopped
banned#32
Are the police giving away free polish then? Mr Sheen hopefully :)
#33
csiman
Are the police giving away free polish then? Mr Sheen hopefully :)


LOL
#34
I see this is solved but for future reference, is it not possible to obtain the red garage no. plates. Am I correct in thinking they cover you for tax and insurance whilst driving to the garage. Am I also correct in saying that if you have MOT booked at the garage, you can drive it there? I know you cannot book too far in advance for MOT though.
May be entirely wrong so awaiting the good advice you can give.
banned#35
taasda;1622759
I see this is solved but for future reference, is it not possible to obtain the red garage no. plates. Am I correct in thinking they cover you for tax and insurance whilst driving to the garage.


Pretty much correct, though I doubt a garage is going to give you their plates to cover you!

Am I also correct in saying that if you have MOT booked at the garage, you can drive it there? I know you cannot book too far in advance for MOT though.
May be entirely wrong so awaiting the good advice you can give.


True, you would be covered providing you have booked the car in and could prove it if stopped. However, some insurances DO NOT cover you unless you are driving a roadworthy vehicle. Not MOT could mean unworthy - so best to check with your particular insurance company first before doing so. You know how they like to wriggle out of paying if they possibly can!
#36
guv
Pretty much correct, though I doubt a garage is going to give you their plates to cover you!



True, you would be covered providing you have booked the car in and could prove it if stopped. However, some insurances DO NOT cover you unless you are driving a roadworthy vehicle. Not MOT could mean unworthy - so best to check with your particular insurance company first before doing so. You know how they like to wriggle out of paying if they possibly can!


Thanks guv. Wasn't really sure about this.
banned#37
taasda;1623114
Thanks guv. Wasn't really sure about this.


No probs. I actually thought it was as you had said until I read it very recently. It is only some insurance companies that are doing it though. (Probably ok with most!)
#38
Just fired off this letter to the DVLA as per the call handlers instructions last week;


Your Ref - ************************

Dear Sir/Madam

Ref – Vehicle Registration *******

I am writing with regards to the taxing of the above vehicle. After discussing with a call handler of DVLA by the name of ***** ******** on 22nd February, I was advised to send you a letter.

The vehicle in question will be part exchanged for a new 08 registered vehicle on March 1st 2008. I enquired via telephone to enquire what the status of my tax purchase would be as the tax on my current vehicle above runs out on 29th Feb 2008. As you are aware, I am not allowed to take possession of my new vehicle until 1st March as it is an 08 plate, otherwise the process would have been concluded a lot sooner.

I was advised by your call handler that as my vehicle was being part exchanged on 1st March, it would be the new keeper's responsibility to tax this vehicle from this date. I also enquired what my status would be noting that I will hold the vehicle for a limited time on 1st March (I am part exchanging the vehicle at 8am) without purchasing a new tax disc. I have been advised that I will be okay to drive my current vehicle to the motor dealership and will not be punished for not having an up to date disc presented, as there is a 14 day from 1st March period where you will expect confirmation from myself that the vehicle has been transferred.

I hope this letter is sufficient for your needs, and have waited until 28th February to send the letter as I was ensuring that the new car would be ready for me to pick up on 1st March, otherwise if it was any later I would have gladly purchased a 6 month tax disc and reclaimed the unused period at a later date.

For your information, the vehicle has been part exchanged to;

****** ***** ************* ***
*** *******
** ******
*** ***

The contact name for this dealership is **** *******, who can be contacted on ***** ******.

The V5 registration form and current valid MOT certificate have been in Mr ******** possession since the evening of 27th February, when I have signed my documentation for my new vehicle.

If you do have any queries, please do not hesitate to contact myself.

Yours sincerely
******* *******



I think this should suffice.

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