Taxing A Car For One Day.

[mikeyH]

I'm with the Co-op Bank, I can pay cheques in at a named post office Of course with them also closing everywhere it seems I'm forever changing which one I pay in at.

 

[RickyBobby]

I pay my road tax by direct debit and I was late on putting the car on sorn, with only a few days till the change of month. Although I did pay the following month road tax, it was refunded to my bank account within about 10 days, so no cheque needed in the post at all.

Yes it's the same approach for all payments via DD - as long as you SORN or sell before the end of the month the following months payment is automatically refunded. However, if you pay in full to avoid the credit charges the only refund option is via cheque.

 

[the Nefyn cat]

Unfortunately claiming its down to the software is no way a justification for the approach

OT, I know, but try telling that to the postmasters. Or their highly remunerated overlords.

 

[SV8Predator]

OT, I know, but try telling that to the postmasters. Or their highly remunerated overlords.

I think you're confusing the DVLA with postmasters, and the Post Office, which in light of current events, is rather weak.

 

[the Nefyn cat]

Like I wrote, OT. I may be getting older, but I ain't confusing the PO with DVLA.

 

[Pingu]

You don't need an MOT to have valid insurance. You need a car that is roadworthy. Nor does the car need to be taxed. The third party element of the claim is indisputable. You may have problems with the value of your car, as they usually take a valid MOT as an indication of roadworthiness (even if it is 364 days old). Lack of an MOT will seriously affect the repair value of the car, and if it is written-off, you will get a lower settlement. The insurer will also report you to the police, and you can expect six points.

Re the SORN / re-tax 5 day thing. You can re-tax within the 5 days at the Post Office. The best option is to SORN on the last day of the month, and transfer the car on the first, but tax at the Post Office.

Re cheques. Since the new scheme started, I've only paid by direct debit, and have always been refunded by bank transfer. It takes around 10 days for the refund to hit the bank account. I don't think that I have used a cheque in twenty years.

Taxing a car, using the car, then SORNing it - all in the same day - is a clever rouse that if done once could be seen as an oversight. It would make for an interesting test case that Loophole Nick could get his teeth into.

 

[SV8Predator]

Nor does the car need to be taxed.

Yes, but you should inform your insurance company immediately if you SORN the car. You may find that they then decline cover.

Shock/horror? Yes, some insurance companies will decline to cover a SORNED car.

 

[Pingu]

Yes, but you should inform your insurance company immediately if you SORN the car. You may find that they then decline cover.

Shock/horror? Yes, some insurance companies will decline to cover a SORNED car.

I asked my insurance broker (Adrian Flux) and they told me that it wasn't necessary.

 

[SV8Predator]

I asked my insurance broker (Adrian Flux) and they told me that it wasn't necessary.

That's fortunate for you. There's an extensive thread in the other forum and you'd be very surprised how many insurance companies will not entertain insuring a SORNed car.

 

[Pingu]

That's fortunate for you. There's an extensive thread in the other forum and you'd be very surprised how many insurance companies will not entertain insuring a SORNed car.

It's probably because the two modified cars are insured through Adrian Flux as "limited mileage classics", and not daily drivers. It wouldn't surprise me if most of AF's clients SORN over winter.

The normal insurers (the ones who won't touch a modified car) don't like the abnormal. I have my Smart and Range Rover insured through them (Admiral multicar), and they are never SORN'd.

 

[as400]

There are millions of sorned cars in the UK, wonder which companies are insuring them all?

 

[SV8Predator]

There are millions of sorned cars in the UK, wonder which companies are insuring them all?

Certainly not with Aviva:

[Aviva
Thank you for choosing Aviva

Thank you for your reply.

We do not provide cover for a SORN vehicle, you would need to cancel your policy.
To cancel online, just follow the steps below: ]

 

[Argyll Andy]

There are millions of sorned cars in the UK, wonder which companies are insuring them all?

There was a pretty lengthy discussion on the Z4 forum about this, if anyone wishes to read this they may be surprised by the amount of companies that DON’T cover SORN’d vehicles including some “specialist“ insurers some of you may use

Sorned Car - Z4-forum.com

 

[as400]

Certainly not with Aviva:

[Aviva
Thank you for choosing Aviva

Thank you for your reply.

We do not provide cover for a SORN vehicle, you would need to cancel your policy.
To cancel online, just follow the steps below: ]

Seems a bit strange that Aviva will not insure the car for you...from their website they seem to be encouraging you to ensure if Sorn?

https://www.aviva.co.uk/insurance/motor/car-insurance/unexpected-costs-of-cancelling-your-car-insurance/

 

[Pond]

There was a pretty lengthy discussion on the Z4 forum about this, if anyone wishes to read this they may be surprised by the amount of companies that DON’T cover SORN’d vehicles including some “specialist“ insurers some of you may use

Sorned Car - Z4-forum.com

I was amazed when I heard this, as it makes no logical sense...ie a SORNed car is a much lower risk to the insurers. But then car insurance makes no logical sense anymore....
Here's another recent example....
My daughter's car has a 'black box' which is connected to an app on her phone. As she has been away in Sheffield at Uni since September, her car has stayed on our drive and she hasn't used it. I started getting emails from her insurer recently saying "it looks she hasn't driven much lately so let us know why or the policy will be cancelled".
I rang them and told them the reasons, but they wanted dates when she would be home, when she was going back, basically every time she changes her underwear they want to know. They didn't tell her (or me) any of this when issuing the policy. I had a huge moan at the girl on the phone.
Surely a car which is parked up for months, especially a young inexperienced driver's one, is massively less risk to the insurers than one being driven all the time?
I have a suspicion all this is because they presume the car is being driven without the app being connected, so they're not getting the data (which I am also suspicious of what they do with all this data).

 

[Althulas]

It won’t surprise me the day will come when it will be compulsory to have a black box fitted to analyse your driving and usage so you can be screwed both ways. Hopefully playing a harp or kitted out with asbestos underpants somewhere by then.

 

[Pingu]

I was amazed when I heard this, as it makes no logical sense...ie a SORNed car is a much lower risk to the insurers. But then car insurance makes no logical sense anymore....
Here's another recent example....
My daughter's car has a 'black box' which is connected to an app on her phone. As she has been away in Sheffield at Uni since September, her car has stayed on our drive and she hasn't used it. I started getting emails from her insurer recently saying "it looks she hasn't driven much lately so let us know why or the policy will be cancelled".
I rang them and told them the reasons, but they wanted dates when she would be home, when she was going back, basically every time she changes her underwear they want to know. They didn't tell her (or me) any of this when issuing the policy. I had a huge moan at the girl on the phone.
Surely a car which is parked up for months, especially a young inexperienced driver's one, is massively less risk to the insurers than one being driven all the time?
I have a suspicion all this is because they presume the car is being driven without the app being connected, so they're not getting the data (which I am also suspicious of what they do with all this data).

This was widely discussed on Pistonheads.

The reason is that there are cars with black boxes that are being driven without the app being linked, and therefore, not in accordance with the Ts & Cs.

Instead of the insurance companies waiting for a claim, they are being proactive and chasing any black boxes that don't appear to be being used.

The unintended consequence is that people are being targetted who don't use their cars very often.

Some companies recommend that the car is used every couple of weeks, or the owner will be targetted.

Even more problematic is if a parent, for instance, uses the car without the black box. The mileage will show a discrepancy, even though the parent may have been driving on their own insurance that covers the driving of other cars.

 

[cityconstable]

Wow, and i thought we were bad... if you're transferring a plate here you get a new insurance statement, phone is ok, you then have 7 days to apply for a registration and title and pay sales tax, usually 6.5% of sale or book value (highest) then another 7 days from when the registration issued to get an inspection sticker $35. You can legally drive the whole time as long as the insurance is valid. Depending on where you live a small 6 month excise tax is also imposed by the city.