Taxing a car

Househunter16

Well, my partners father has given up driving due to his age,but he still wants the car to be used. He wants his daughter to drive it for him, she is insured on it third party with her own insurance, the car is tested but the tax is up in a couple of months and his insurance has expired. Is there any way to tax it without having to take out a extra policy, this would be too costly, thanks.

Skatedude

Er, You can put in any insurance info when you tax the car online I believe.

9935452

She needs to be sure her driving of other cars extension covers her to drive other cars that arent insured. A lot do require you to have an insurance policy on it.
The other thing is she can be done for non display of insurance disc

bazz26

You don't actually need insurance to tax a car online as the motor tax office have no direct link to an insurance database to verify it. You can put in an old insurance policy number from 2 or 5 years ago and it will still accept it.

beechwood55

9935452 wrote: »

She needs to be sure her driving of other cars extension covers her to drive other cars that arent insured.

This. I renewed my husband's insurance yesterday (with Aviva). The Aviva person was going through the policy and she mentioned the 'driving other cars' clause. I asked her about it - he is covered, 3rd party, if the car he is driving is taxed, insured and nct'd (if nct is applicable). If any of those conditions are not met then he is not covered to drive that car.

colm_mcm

It'll vary between insurers, most don't need another insurance policy to be on the car but some do.

Househunter16

Check the policy, it just says you need the consent of the owner, doesn't mention it having to be insured.

CeilingFly

Househunter16 wrote: »

Check the policy, it just says you need the consent of the owner, doesn't mention it having to be insured.

I'd call your insurance company to confirm that - possibly it is assumed that the other car is insured.

The alternative is for your partners father to keep insuring it on a third party basis with you as named driver - this would mean that if by chance there was any claim while you driving it, it would not affect your NCB. It wouldl also mean your artners father having the car there in if there was a need to drive - or even allow for a neighbour to drive it if needed.

Also, in many cases its cheaper to to insure this way.

dodzy

As previously mentioned, when taxing the car, just put in a selection of random characters: AAAAAAAA111222333444 for example will do fine (and obviously enter an expiry date for this ficticious policy sometime well into the future. Never had an issue. For the record, I've always have had insurance but just could not be arsed going out to the car to get the policy number off the disc at time of taxing.

MojoMaker

Househunter16 wrote: »

Check the policy, it just says you need the consent of the owner, doesn't mention it having to be insured.

Insurance only applies to a road-legal vehicle.

A road-legal vehicle requires an insurance disc in the window bearing the registration number of the vehicle OR the name of a person holding a fleet policy covering the vehicle in question.

This is why an insurance company does not need to explicitly refer to the 3rd party vehicle requiring insurance because your policy (and hence your contract) already includes a stipulation that the vehicle(s) is/are at all times road-legal.

Cheensbo

Every time this question is asked this tripe comes out.


Every time the answer is:

Check your own insurance policy in relation to "driving other cars", if it states the other vehicle must have an insurance policy - it must have.

If the policy does not state that the "other car" must have a seperate insurance policy, the "other car" does not need a seperate policy.

Just follow the rules in your own policy. Dont mind the pub talk.

Op, tax the car with a random number online, and unless the lady in question is insured with aviva - chances are - they're good to go. But do check the physical policy documents just in case.

Cheensbo

MojoMaker wrote: »

Insurance only applies to a road-legal vehicle.

A road-legal vehicle requires an insurance disc in the window bearing the registration number of the vehicle OR the name of a person holding a fleet policy covering the vehicle in question.

This is why an insurance company does not need to explicitly refer to the 3rd party vehicle requiring insurance because your policy (and hence your contract) already includes a stipulation that the vehicle(s) is/are at all times road-legal.

Your argument is invalid. The vehicle becomes road legal - i.e. insured - when it being driven by a person with insurance cover provided by their 3rd party extension.

The only possible law being broken is failing to display a disc. Which is an 80e fine.