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#455317 28th Dec 2010 4:26pm
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DavidB Offline OP
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Hopefully going up to Sheffield on Thursday to swap my car for another car. The car I'm getting isn't taxed, and mine runs out at the end of the month (ie Saturday).

Does anyone have any recommendations for one day insurance, and whether this will work on getting the car taxed? I'm thinking of swapping my insurance over on the day, but don't want to have mine being void while I'm driving it, for obvious reasons. The car I'm hopefully getting is 1989, and one-day insurance often doesn't cover this age (however 'cherished' is between 1950 and 1985 - I don't understand why this is?)

I've done this type of thing too often and it always fails!


"C20 LET bang"
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DavidB #455400 28th Dec 2010 7:14pm
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Esure.com do stupid policys, carnt see you being able to tax it like that though. Trade policy is what you need, saves a lot of money.


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_Ste_ #455428 28th Dec 2010 7:46pm
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I'm going to sack the whole idea off, it's too much hassle, I know something will go wrong on the day!


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DavidB #455429 28th Dec 2010 7:54pm
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To get tax it has to be insured on the 1st of the month if the tax is done in advance. Rules might have changed though.

It is a non-sensical mess all this tax and insurance bit.

Also as from January, a car has to be SORN'd if it hasn't got insurance.


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diggingdeeper #455435 28th Dec 2010 8:18pm
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I think the rules on taxing are that the documents have to be correct at that time.

I've taxed cars on the last day of the MoT, and Insurance can only be checked then, as it can be done online now so it has no way of checking if you're going to cancel it the next day, or if you're going to renew it if you're on the last few days of your policy.

If you do the swap over with your policy make sure that you keep a note of everyone you speak to, check on the askmid website to see if the car is listed as insured, that will give you an idea if it's going to flag on a police ANPR camera.

TheDr #455529 29th Dec 2010 12:15am
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DavidB Offline OP
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I've heard of people taxing a car with one day insurance. It seems it's up to the person in the post office ... ?
I'm going to give it a miss, I'll probably end up having the car seized or something. I remember when I bought a car without tax, mot or insurance (2001!), how things change!


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DavidB #455693 29th Dec 2010 3:02pm
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You need a trade policy Dave, I don't have problems when I buy with no Mot or tax. Then again my boss let's me use his trade plates to cover me for no tax but when I have been stopped in the past with no tax (if I've just bought a car) the police are generally alright once you explain your a trader.
smile
You do need to carry your policy with you though and be polite if you get pulled. (it is their job after all).

Last edited by _Ste_; 29th Dec 2010 3:03pm.

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_Ste_ #455784 29th Dec 2010 9:35pm
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DavidB Offline OP
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I'm going to sort it out eventually, do you just pay one whole whack and it covers you for the year?


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DavidB #455930 30th Dec 2010 1:56pm
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Originally Posted by DavidB
I'm going to sort it out eventually, do you just pay one whole whack and it covers you for the year?

You can do that or you can pay via installments.
My 1st year of a trade policy I paid in full but they canceled it halfway through via an error on their behalf, I've paid via installments since then, safer that way wink
I have demo cover, I can have unlimited sales cars on it and 30 of my own cars with value of upto £35k


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_Ste_ #455943 30th Dec 2010 2:22pm
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DavidB Offline OP
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Who are you with, I'm paying over a grand for two cars and it makes sense going for trade. frown


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DavidB #456159 31st Dec 2010 10:43am
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Lv, they have taken over highway insurance.
Make sure you tell them it's for social domestic and pleasure too.
smile


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_Ste_ #456219 31st Dec 2010 1:40pm
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DavidB Offline OP
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Thanks Ste, I'm going to sort that out in the new year. smile


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