Groups

    Buybing 2nd hand car - tax help

    Hello,
    I'm going to see a car tomorrow and am travelling a fair distance to go see it, but it does not have any tax. So, the problem i have is that, should i agree to purchase the car tomorrow I dont want to be driving a car 200 miles with no tax as it'll invalidate my insurance (once i set it up if the viewing is successful).

    Assuming I buy the car tomorrow (this is a private sale by the way) and arrange my insurance with an insurance company over the phone i will need to tax the car, but seeing as i wont have any insurance documents to hand for the car, or a document showing that I am the registered keeper of the car, how on earth can I tax it before making my journey home? can i go to the post office and fill something in that enable me to tax the car?

    I seriously dont want to drive all that way with no tax (and thus no valid insurance), so am wondering what choices I have tomorrow?

    anyone in the know fancy giving me some advice?!?

    thanks
    n

    35 Comments

    tell the guy your buying it of to tax it b4 selling it to you.

    Drive their in a recovery truck, as be a headcahe sorting it out!!

    ALICOM007;3651164

    tell the guy your buying it of to tax it b4 selling it to you.



    Yes true!! :thumbsup:

    agreed if you really like it and he really wants to sell then deduct tax off asking price and ask if he will go along with you and tax provided he has insurance

    Original Poster

    he has agreed to lower the price by the cost of the tax already, but doesnt have insurance anymore as it ran out last month......not looking good is it?

    try to get him to tax it online if he has the tax doc:thinking:

    Original Poster

    i've just had a quick look on the post office website and have found the following:
    How to apply
    If you have a tax disc reminder (V11 form), visit your nearest branch when it’s time to renew your car tax disc and bring your DVLA tax disc reminder (V11 form), which should have been sent to you by the DVLA.

    You'll also need to take along:
    a valid insurance certificate or cover note - not a renewal invitation or a photocopy, facsimile, policy receipt or schedule
    a valid Vehicle Test Certificate. if required. Your tax disc reminder should tell you if this is needed.
    for disabled tax class only, a valid Exemption Certificate

    If you have a tax disc reminder (V85/1 form), you must apply for renewal at a DVLA local office.


    If you can't use a tax disc reminder, for whatever reason (eg the form may not have been received or you may have lost it, or if there has been a break in the licensing, or the vehicle has a new keeper, then you can't use the reminder form), you'll need to take the following documents to a Motor Vehicle Licence issuing Post Office® branch:

    the registration document (V5C) or the tear off portion (V5C/2) if you have recently purchased the vehicle (the V5C/2 can only be used within 8 weeks of date of sale).
    a valid insurance certificate or cover note - not a renewal invitation or a photocopy, facsimile, policy receipt or schedule
    a valid Vehicle Test Certificate if required
    for disabled tax class only, a valid Exemption Certificate

    so, if i am reading this right, i'll need to tear off portion of the v5c (new owner portion), the MOT document and an insurance cover note....

    ...so, i need to find an insurance company who allows me to print off insurance docs online, as i can do this in the morning no problem.....hmmm:?

    This one doesnt look good at all.....

    http://www.weblogcartoons.com/cartoons/end.gif

    Original Poster

    red;3651491

    try to get him to tax it online if he has the tax doc:thinking:



    thought about that, but according to the dvla website they'll check to see if the car is insured before completing the process...bngger!

    "For a new tax disc we check the vehicle is insured and, if applicable has an electronic MOT Test Certificate/GVT Certificate or entitlement to disability exemption"

    neilb1977;3651596

    thought about that, but according to the dvla website they'll check to … thought about that, but according to the dvla website they'll check to see if the car is insured before completing the process...bngger!"For a new tax disc we check the vehicle is insured and, if applicable has an electronic MOT Test Certificate/GVT Certificate or entitlement to disability exemption"



    Yep, it has to have valid insurance registered on the DVLA database check, and also an MOT certificate that is valid for at least 28 days (I think...I got pulled up on this one before when renewing it).

    Only if the above criteria is satisfied can tax be purchased for the car. If you buy the car without this then you are liable to pay the tax for the outstanding period since it ran out, or face a fine for the untaxed period.

    To be honest, I am not so sure I would be driving 200 miles to buy a 2nd hand car with no tax where the current owner doesn't even have valid insurance for it.
    Sounds like a lemon to me.

    Is it that good a deal?

    Having no tax does not invalidate your insurance, but it may cause a headache for other reasons.

    BECKYBOO;3651674

    To be honest, I am not so sure I would be driving 200 miles to buy a 2nd … To be honest, I am not so sure I would be driving 200 miles to buy a 2nd hand car with no tax where the current owner doesn't even have valid insurance for it.Sounds like a lemon to me.Is it that good a deal?




    If you get pulled over you can get a ticket for not having a valid tax disc displayed and also get fined for driving without any tax at all.

    If you have insured the car the vehicle database will be updated. You may still apply for a tax disc online if there is an MOT on the car.

    In order to check if you can tax the vehicle right now click this link....

    taxdisc.direct.gov.uk

    And then click Vehicle Enquiry.

    You can then tax the car. This way you should not get pulled if there are any registration number check points that you pass. However the fine for tax is a failure to display so dont speed and get pulled over as they will notice. You will still be breaking the law, although you will be fully insured etc....a nice policeman wouldnt do you for it (is there such a thing? )

    The tax disc will be sent to the current registered keeper, when you collect the car leave a stamped addressed envelope and im sure they will forward the tax to you.

    Maybe just enough to get you out of a pickle?

    BFM

    Original Poster

    BECKYBOO;3651674

    To be honest, I am not so sure I would be driving 200 miles to buy a 2nd … To be honest, I am not so sure I would be driving 200 miles to buy a 2nd hand car with no tax where the current owner doesn't even have valid insurance for it.Sounds like a lemon to me.Is it that good a deal?



    no, the car tax has expired (30/11) as he has since bought a brand new car and therefore switched his insurance to the new vehicle..... the car i am going to see has been sat on the drive for last couple of weeks. simple really. i guess i'm not as cyncial as some....

    neilb1977;3651800

    no, the car tax has expired (30/11) as he has since bought a brand new … no, the car tax has expired (30/11) as he has since bought a brand new car and therefore switched his insurance to the new vehicle..... the car i am going to see has been sat on the drive for last couple of weeks. simple really. i guess i'm not as cyncial as some....



    I guess thats just my opinion, but I guess I am just cautious. I hope it works out for you.:)

    Original Poster

    BECKYBOO;3651870

    I guess thats just my opinion, but I guess I am just cautious. I hope it … I guess thats just my opinion, but I guess I am just cautious. I hope it works out for you.:)



    cheers! :thumbsup:

    BECKYBOO;3651674

    To be honest, I am not so sure I would be driving 200 miles to buy a 2nd … To be honest, I am not so sure I would be driving 200 miles to buy a 2nd hand car with no tax where the current owner doesn't even have valid insurance for it.Sounds like a lemon to me.Is it that good a deal?



    I lolled. When I buy a new car I leave the old one insured and get new highly inflated insurance on the new car because I can't use my NCB on 2 cars, oh no I don't, I actually transfer the insurance to the new one for a couple of quid.

    neilb1977;3651800

    no, the car tax has expired (30/11) as he has since bought a brand new … no, the car tax has expired (30/11) as he has since bought a brand new car and therefore switched his insurance to the new vehicle..... the car i am going to see has been sat on the drive for last couple of weeks. simple really. i guess i'm not as cyncial as some....



    You posted that while I was typing :lol:

    neilb1977;3651800

    no, the car tax has expired (30/11) as he has since bought a brand new … no, the car tax has expired (30/11) as he has since bought a brand new car and therefore switched his insurance to the new vehicle..... the car i am going to see has been sat on the drive for last couple of weeks. simple really. i guess i'm not as cyncial as some....



    Given that the tax ran out on 30th Nov this year then its really a case of whether you think the case is worth the price you're paying for it.

    If you decide to buy the car then you can get insured straight away with a phone call to an insurer, and as the tax is only out of date by a couple of days then its a case of whether you get a nice copper who uses his/her discretion to let you off once you've explained the situation (or get the guy to purchase the tax online while you're there to make sure its taxed). That way it will also assure you that it has a valid MOT cert. if the tax is issued.

    I guess at the end of the day its a case of, is the car worth it, and do you want to take the risk of driving such distance without displaying the tax disc.

    Whatever you decide. Good luck with it. :thumbsup:

    Original Poster

    BurningFeetMan;3651705

    If you have insured the car the vehicle database will be updated. You … If you have insured the car the vehicle database will be updated. You may still apply for a tax disc online if there is an MOT on the car.In order to check if you can tax the vehicle right now click this link....http://www.taxdisc.direct.gov.ukAnd then click Vehicle Enquiry.You can then tax the car. This way you should not get pulled if there are any registration number check points that you pass. However the fine for tax is a failure to display so dont speed and get pulled over as they will notice. You will still be breaking the law, although you will be fully insured etc....a nice policeman wouldnt do you for it (is there such a thing? )The tax disc will be sent to the current registered keeper, when you collect the car leave a stamped addressed envelope and im sure they will forward the tax to you.Maybe just enough to get you out of a pickle?BFM



    cheers for this...i just put the details into the enquiry form and the date of liability is "01/11/2009" - which is apparently next year?!!? he swear he has no tax on the car though....i googled it and apparently the date of liability is the date the tax is due for renewal....??

    I will say it again; no tax does not invalidate your insurance.

    You could consider a short term policy to attempt to buy the tax with, but your luck on that depends on the post office involved.

    The date of liability may refer to when the SORN declaration needs to be renewed so be careful. A quick call to DVLA in the morning will clarify that for you. Like i say, if you insure the car before you leave you can always cancel it later that day if you decide not to buy, then the car is insured, MOT'd and you can tax online. Should be ok then

    BFM

    Shengis;3651890

    I lolled. When I buy a new car I leave the old one insured and get new … I lolled. When I buy a new car I leave the old one insured and get new highly inflated insurance on the new car because I can't use my NCB on 2 cars, oh no I don't, I actually transfer the insurance to the new one for a couple of quid.



    Having had a car stolen from my driveway which was uninsured because we had transferred the insurance to our new car I remain cautious.
    I do wonder how much you would lol if that happened to you?

    Becky

    BECKYBOO;3652004

    Having had a car stolen from my driveway which was uninsured because we … Having had a car stolen from my driveway which was uninsured because we had transferred the insurance to our new car I remain cautious.I do wonder how much you would lol if that happened to you?Becky



    You can get "off-road" insurance - far cheaper than having true car insurance.

    pghstochaj;3652016

    You can get "off-road" insurance - far cheaper than having true car … You can get "off-road" insurance - far cheaper than having true car insurance.



    I know that now;-)

    BECKYBOO;3652004

    Having had a car stolen from my driveway which was uninsured because we … Having had a car stolen from my driveway which was uninsured because we had transferred the insurance to our new car I remain cautious.I do wonder how much you would lol if that happened to you?Becky



    I don't live in Leeds though......

    Original Poster

    does anyone know of any insurers (apart from swiftcover - who dont insure the car i am going to see) that allow you to print the insurance cert online, or who'll at least email me a copy whilst i wait for it to turn up in the post?

    dayinsure

    I had this problem when I bought a car a few weeks back as it had no tax and my insurance company adamant that you cannot print off your own certificate:(
    Seeing as I did not want to break the law etc... I payed for a days car insurance from ecarinsurance.co.uk/
    I then printed off the certificate, went down the post office with V5c that I obtained from the chap earlier and £66 pound later, one taxed car!
    The Insurance was fully comp for one day and cost me £9.00. Not cheap but the neither is a hefty fine from the plod and x amount of points!!

    Shengis;3652172

    I don't live in Leeds though......



    It was stolen from Cheetham Hill, Manchester (No surprise there)! lol:p

    BECKYBOO;3655327

    It was stolen from Cheetham Hill, Manchester (No surprise there)! lol:p



    Haha :lol::thumbsup:

    Actually I did 'lose' an uninsured car once. Had just bought it and put it on the father in laws drive while I was getting ready to sort out the insurance, wait till the end of the month to tax it etc. Got a call a few days later that he had been doing something to it and it had gone up in flames. Ouch :lol:

    Original Poster

    lawe;3653532

    I had this problem when I bought a car a few weeks back as it had no tax … I had this problem when I bought a car a few weeks back as it had no tax and my insurance company adamant that you cannot print off your own certificate:(Seeing as I did not want to break the law etc... I payed for a days car insurance from http://www.ecarinsurance.co.uk/I then printed off the certificate, went down the post office with V5c that I obtained from the chap earlier and £66 pound later, one taxed car!The Insurance was fully comp for one day and cost me £9.00. Not cheap but the neither is a hefty fine from the plod and x amount of points!!



    i thought i would give that a try, but the post office apparently wont accept a short term policy documents?! not sure why :x

    neilb1977;3655674

    i thought i would give that a try, but the post office apparently wont … i thought i would give that a try, but the post office apparently wont accept a short term policy documents?! not sure why :x



    Oh yes they do :thumbsup:
    It is a valid certificate, even for one day.
    If you get someone who says something differant, go to another post office.

    Original Poster

    lawe;3656236

    Oh yes they do :thumbsup:It is a valid certificate, even for one day.If … Oh yes they do :thumbsup:It is a valid certificate, even for one day.If you get someone who says something differant, go to another post office.



    Oh, okay, well i have taken your advice and got myself a one day policy and printed the documents off. thanks for your help. i'll let you know how i get on later.....fingers crossed :thumbsup:

    Original Poster

    lawe;3656236

    Oh yes they do :thumbsup:It is a valid certificate, even for one day.If … Oh yes they do :thumbsup:It is a valid certificate, even for one day.If you get someone who says something differant, go to another post office.



    excellent! well i went ahead and paid for the one day insurance (£10.10) throught he website you suggested and after picking up the car took everything to the post office where a very kind lady behind the counter told me that because it looked like a photocopy she "shouldnt really accept it but never mind"! she even pointed out to me that the registration number was wrong (i mis-typed it when ordering the insurance online!) but just suggested that i phone them and get them to correct it, and also that the certificate only showed one days cover....she just assumed the insurance company had made a mistake....but i dont think she really cared!

    thanks for the suggestion, it worked a treat. car drove home like a dream, fully taxed!
    Post a comment
    Avatar
    @
      Text
      Top Discussions
      1. FREE Odeon cinema ticket22
      2. WONGA REFUNDS DUE2121028
      3. Just heard this...2 ★★★★★★★★★★★★★★ congrats to all on 392k ★★★★★★★★★★★★★★7767502
      4. Cat Chat77752

      See more discussions