Righto I bought a car for a friend who has a provisional license. I have 
insurance for my car, and to driver other cars with owners permission.

The car tax runs out tommorow, can I tax the car with my insurance 
document. It has a new MOT. The old owner did not have the reknewal 
letter (lost it) and my friends insurance was done this morning online 
and will take up a maximum of 14 days to arrive.

As it runs out tommorow and is parked on apublic street I'm in a bit of 
a bind.

Advice welcomed.

On Mon, 29 Jun 2009 15:27:40 +0100, Peter smith wrote:

> Righto I bought a car for a friend who has a provisional license. I have
> insurance for my car, and to driver other cars with owners permission.
> 
> The car tax runs out tommorow, can I tax the car with my insurance
> document. It has a new MOT. The old owner did not have the reknewal
> letter (lost it) and my friends insurance was done this morning online
> and will take up a maximum of 14 days to arrive.
> 
> As it runs out tommorow and is parked on apublic street I'm in a bit of
> a bind.
> 
> Advice welcomed.

Extremely unlikely, although the exact interpretation of the law seems to 
depend on the mood of the issuing clerk!

If you think about it, all the time you are driving your car, your 
friend's car probably wouldn't be covered. 

Although 14 days is quoted for the cover note to arrive, it's likely to 
be sooner than that. In the meantime, strictly speaking, your friend must 
arrange for off-road storage.

Chris

-- 
Remove prejudice to reply.

"Peter smith"  wrote in message 
news:h2aj1a$nff$1@aioe.org...
> Righto I bought a car for a friend who has a provisional license. I have 
> insurance for my car, and to driver other cars with owners permission.
>
> The car tax runs out tommorow, can I tax the car with my insurance 
> document. It has a new MOT.

AFAIA unless you're a trader the insurance certiifcate and registered keeper 
must be in the same name, so assuming it has or will be registered in your 
friends name, you wont be able to tax it using your certificate..

 The old owner did not have the reknewal
> letter (lost it) and my friends insurance was done this morning online and 
> will take up a maximum of 14 days to arrive.
>
> As it runs out tommorow and is parked on apublic street I'm in a bit of a 
> bind.

Unless you can drive it to an off street parking place before the tax runs 
out, I can only suggest you have the car picked up by a recovery Co, or 
possibly by a trader with trade plates.

Mike.

Peter smith wrote:
> Righto I bought a car for a friend who has a provisional license. I have 
> insurance for my car, and to driver other cars with owners permission.
> 
> The car tax runs out tomorow, can I tax the car with my insurance 
> document. It has a new MOT. The old owner did not have the renewal 
> letter (lost it) and my friends insurance was done this morning online 
> and will take up a maximum of 14 days to arrive.

  Nope, and you couldn't even with the old renewal.

> As it runs out tomorow and is parked on a public street I'm in a bit of 
> a bind.

  Move it off road if you can. Don't SORN it.  Tax it asap with your 
friends insurance.

On Mon, 29 Jun 2009 15:27:40 +0100, Peter smith wrote:

> Righto I bought a car for a friend who has a provisional license. I have
> insurance for my car, and to driver other cars with owners permission.
> 
> The car tax runs out tommorow, can I tax the car with my insurance
> document. It has a new MOT. The old owner did not have the reknewal letter
> (lost it) and my friends insurance was done this morning online and will
> take up a maximum of 14 days to arrive.
> 
> As it runs out tommorow and is parked on apublic street I'm in a bit of a
> bind.
> 
> Advice welcomed.
=========================================

I recently taxed my Sorned car at my local Post Office which has a direct
electronic link to DVLA. It appears that if you have the MOT certificate
there is a link via DVLA to an insurance database, so provided that the
insurance policy is in force the certificate isn't required at the Post
Office.

I'm not sure about this, but it's worth asking at your local Post Office.
It's possible that I'm mistaken but I'm pretty sure that the clerk only
asked for the MOT certificate.

Cic.
-- 
==========================================
Using Ubuntu Linux
Windows shown the door
==========================================

"Cicero"  wrote:
> I recently taxed my Sorned car at my local Post Office which has a direct
> electronic link to DVLA. It appears that if you have the MOT certificate
> there is a link via DVLA to an insurance database, so provided that the
> insurance policy is in force the certificate isn't required at the Post
> Office.
>
> I'm not sure about this, but it's worth asking at your local Post Office.
> It's possible that I'm mistaken but I'm pretty sure that the clerk only
> asked for the MOT certificate.

In theory, but it all depends on how quickly it gets added to the database. 
Be best to give it at least a couple of days.

-- 
"For want of the price of tea and a slice, the old man died."

In article <h2aj1a$nff$1@aioe.org>, Peter smith says...
> 
> Righto I bought a car for a friend who has a provisional license. I have 
> insurance for my car, and to driver other cars with owners permission.
> 
> The car tax runs out tommorow, can I tax the car with my insurance 
> document. 

No. 


-- 
Conor

I only please one person per day. Today is not your day. Tomorrow isn't 
looking good either. - Scott Adams

"Peter smith"  wrote
>
> As it runs out tommorow and is parked on apublic street I'm in a bit of a 
> bind.
>
> Advice welcomed.

The end of the month is not a drop dead date. Provided you don't try to skip 
a month, assume 2 weeks grace.

Cicero wrote:
> 
> I recently taxed my Sorned car at my local Post Office which has a direct
> electronic link to DVLA. It appears that if you have the MOT certificate
> there is a link via DVLA to an insurance database, so provided that the
> insurance policy is in force the certificate isn't required at the Post
> Office.
> 
> I'm not sure about this, but it's worth asking at your local Post Office.
> It's possible that I'm mistaken but I'm pretty sure that the clerk only
> asked for the MOT certificate.
> 
> Cic.

I think you may have that the otherway round. For me taxing a previously 
SORN car the presentation of the MOT certificate was NOT required - the 
PO clerk was only interested in seeing the cert of insurance.

-- 
Adrian C

On Mon, 29 Jun 2009 22:08:44 +0100, DavidR wrote:

> "Peter smith"  wrote
>>
>> As it runs out tommorow and is parked on apublic street I'm in a bit of
>> a bind.
>>
>> Advice welcomed.
> 
> The end of the month is not a drop dead date. Provided you don't try to
> skip a month, assume 2 weeks grace.

No. AFAIK That gets you out of the automatic £80 fine for having a gap in 
tax/SORN, but you would still be liable for not displaying a tax disc on 
a car on the public highway.

Some insurance companys will email a cover note your friend could print 
out and use.

You/he could also go to someone like dayinsure.com to get short term 
insurance on that vehicle in his name for a day or so, although their FAQ 
says this:

=====
72. Can I get road tax on line using day insure
Back to Questions

Yes, Dayinsure short term insurance certificate can be used to purchase 
Road Tax. The law has not yet caught up with common practise and 
therefore we cannot guarantee acceptance at all DVLA and Post offices.
=====

...so it looks like it could be a sticky way to do it.

I'd get it off the road any which way you can before the tax runs out, 
while getting your friend to hassle his insurance co. for an electronic  
cover note.

"Peter smith"  wrote in message 
news:h2aj1a$nff$1@aioe.org...
> Righto I bought a car for a friend who has a provisional license. I have 
> insurance for my car, and to driver other cars with owners permission.
>

It is ONLY legal to drive another car with your own insurance policy IF
the registered keeper of that vehicle has a current insurance policy of 
their own
to cover that vehicle.  Anything else and you will be prosecuted.  It is a
misunderstanding due to the way people misread the policy documents.
If your friend has no insurance policy for the car you can not drive it -
even if you have fully comp insurance allowing you to drive other vehicles
on a third party basis.
Check with any police station if you do not understand this.  You risk
having his car crushed and BOTH of you being prosecuted.  You for
driving with no insurance to cover the vehicle as covered by the explanation
above - him for permitting a vehicle to be used without a valid insurance
policy.  If he wants to avoid being prosecuted he can tell the police you
are driving without permission, in which case you will be arrested and 
charged.
This is why you should always check any vehicle you take for a test drive is
covered by the registered keeper or owner having a valid insurance policy
and you having a fully comprehensive policy allowing you to drive other
insured vehicles on a third party basis.
If you ping any ANPR cameras you will be prosecuted!  Even if you can
show your own policy - the registered keeper MUST also have a valid
insurance policy for that car.

> The car tax runs out tommorow, can I tax the car with my insurance 
> document.

Not unless it states it covers that exact car with the registration number.

> It has a new MOT.

That doesn't matter.  You also need proof the vehicle is insured.

>The old owner did not have the reknewal letter (lost it)

He could have applied for the tax online for you at the time of the sale.
All he had to do was input his details, MOT number and the DVLA
check insurance is held.  They send out the tax to the registered keeper
at the time.  That could have avoided any difficulty.

>and my friends insurance was done this morning online and will take up a 
>maximum of 14 days to arrive.
>

It's usually sent the same day and will arrive within a few days.

> As it runs out tommorow and is parked on apublic street I'm in a bit of a 
> bind.
>

Not really, it will be covered by your friend's policy as soon as he has 
paid.

> Advice welcomed.

All you need to do is get on the DVLA site and ask them for advice.
Don't go near any police cars or ANPR cameras.

On Mon, 29 Jun 2009 23:09:44 +0100, Adrian C wrote:

> Cicero wrote:
>> 
>> I recently taxed my Sorned car at my local Post Office which has a
>> direct electronic link to DVLA. It appears that if you have the MOT
>> certificate there is a link via DVLA to an insurance database, so
>> provided that the insurance policy is in force the certificate isn't
>> required at the Post Office.
>> 
>> I'm not sure about this, but it's worth asking at your local Post
>> Office. It's possible that I'm mistaken but I'm pretty sure that the
>> clerk only asked for the MOT certificate.
>> 
>> Cic.
> 
> I think you may have that the otherway round. For me taxing a previously
> SORN car the presentation of the MOT certificate was NOT required - the PO
> clerk was only interested in seeing the cert of insurance.

=========================================

Maybe it's an 'either / or' situation. If there is a database it should be
possible to query it on either MOT or insurance to confirm the existence
of the other item. I wonder if anybody will come up with a definitive
answer as the Tax form still states both are necessary.

Cic.

-- 
==========================================
Using Ubuntu Linux
Windows shown the door
==========================================

On Mon, 29 Jun 2009 22:08:44 +0100, DavidR wrote:

[...]
 
> The end of the month is not a drop dead date. Provided you don't try to
> skip a month, assume 2 weeks grace.

Not so. It used to be the case that a disc that was only one day out of 
date was an offence. Any leeway granted was purely discretionary, and not 
enshrined in any legislation; in theory, you could be fined on the first 
day of the month that your vehicle was untaxed.

The situation has now changed. There is now an official five day period 
at the start of the month when you can legally have a vehicle on the road 
with an expired disc. However, you must have already applied for a 
replacement

Chris

-- 
Remove prejudice to reply.

On Tue, 30 Jun 2009 02:34:22 +0100, Clive wrote:

[...]

> It is ONLY legal to drive another car with your own insurance policy IF
> the registered keeper of that vehicle has a current insurance policy of
> their own
> to cover that vehicle.  Anything else and you will be prosecuted.


Rubbish. It depends entirely on each individual policy. Some insurers 
permit it, others don't.

This has been discussed here many, many times; a number of folk have 
queried it directly with their insurer, as have I.

Chris

-- 
Remove prejudice to reply.

"Conor"  wrote in message 
news:MPG.24b335a0a4d88f379896db@news.eternal-september.org...
.
>
> No.
>
always late

always of no help at all

thanks

Clive wrote:
> "Peter smith"  wrote in message 
> news:h2aj1a$nff$1@aioe.org...
>> Righto I bought a car for a friend who has a provisional license. I have 
>> insurance for my car, and to driver other cars with owners permission.
>>
> 
> It is ONLY legal to drive another car with your own insurance policy IF
> the registered keeper of that vehicle has a current insurance policy of 
> their own
> to cover that vehicle.  Anything else and you will be prosecuted.  

Not necessarily true. I drive cars all the time without knowing if 
anyone else has insurance for them, and if I ping an ANPR I just show my 
policy and go on my way.

Sometimes it's nice being a motor trader.

-- 
Pete M - OMF#9

Range Rover V8 Turbo (sold)
Volvo 850 T5 CD Estate
Mk1 Golf GTi 1.8 (For Sale)

"In the beginning the Universe was created. This has made a lot of 
people very angry and is widely regarded as a bad move."

"Clive"  wrote:
>> Righto I bought a car for a friend who has a provisional license. I have 
>> insurance for my car, and to driver other cars with owners permission.
>
> It is ONLY legal to drive another car with your own insurance policy IF
> the registered keeper of that vehicle has a current insurance policy of 
> their own to cover that vehicle.  Anything else and you will be 
> prosecuted.

Really?  Well a mate of mine was taken to court over a matter over that 
exact issue (amongst a couple of other things to do with no tax or MOT on 
the car), and wasn't prosecuted for no insurance.

> It is a
> misunderstanding due to the way people misread the policy documents.
> If your friend has no insurance policy for the car you can not drive it -
> even if you have fully comp insurance allowing you to drive other vehicles
> on a third party basis.

Really?  See my above comment.  This is a big can of worms that's been done 
to death - can we please not turn into uk.rec.driving and have a 
several-thousand-message-long thread about it?

My view is that if you were driving a mate's taxed and MOTd car that wasn't 
insured in its own right on your own 3rd party on any car cover, it would be 
legal, provided you never parked it on a public road.  If you hit someone in 
it, your insurance would cover 3rd party liabilities as you were the one 
driving it.  Your mate wouldn't get done for allowing his car to be driven 
without insurance as it wouldn't have been.  If it was found parked on the 
road, however, the situation would change - difficult to determine who would 
be defined as "using" the car, but my bet would be the person who parked it 
there.  Then the owner could be done for allowing it to be used on a public 
road without insurance.  BUT if it was always only ever parked on private 
land, and driven under someone's 3rd party cover, then I fail to see what 
they could prosecute you for.

However, the system's designed to make it difficult to do that on a long 
term basis (in terms of taxing a car), and rightly so.  There's also the 
issue of proving that you were only using it occasionally or as a one-off, 
which can potentially invalidate insurance claims, if you were deliberately 
driving a car on a long-term basis like that.

> If you ping any ANPR cameras you will be prosecuted!  Even if you can
> show your own policy - the registered keeper MUST also have a valid
> insurance policy for that car.

Care to cite an official quotation to back that up?

-- 
"For want of the price of tea and a slice, the old man died."

On Tue, 30 Jun 2009 07:40:02 +0000, Chris Whelan wrote:

> The situation has now changed. There is now an official five day period
> at the start of the month when you can legally have a vehicle on the
> road with an expired disc. However, you must have already applied for a
> replacement
>

D you have a cite for that? It's the thing that always annoyed me about 
the online tax thing, still being liable for the 'not displaying' even 
though *they know* you are taxed.

Pete M wrote:
> Clive wrote:
>> "Peter smith"  wrote in message 
>> news:h2aj1a$nff$1@aioe.org...
>>> Righto I bought a car for a friend who has a provisional license. I 
>>> have insurance for my car, and to driver other cars with owners 
>>> permission.
>>>
>>
>> It is ONLY legal to drive another car with your own insurance policy IF
>> the registered keeper of that vehicle has a current insurance policy 
>> of their own
>> to cover that vehicle.  Anything else and you will be prosecuted.  
> 
> Not necessarily true. I drive cars all the time without knowing if 
> anyone else has insurance for them, and if I ping an ANPR I just show my 
> policy and go on my way.
> 
> Sometimes it's nice being a motor trader.
> 

I cannot see that at all, I'm not disputing that your trader policy 
allows you to drive any car owned by anybody that's it's purpose.

However you buy a car from me that I don't have it insured, you come to 
collect it to drive it back to your yard, it is taxed & it is tested 
therefore totally legal. You go past an ANPR car there is no way they 
know that you are driving & covered by your policy. They will stop you & 
ask for proof. Unless of course the ANPR database has telepathy built in.

Alan...

> Pete M wrote:
  and if I ping an ANPR I just show
>> my policy and go on my way.

Doh! just read your post properly, I'll get my coat.

Alan...

On Tue, 30 Jun 2009 18:32:06 +0000, PCPaul wrote:

[...]

> D you have a cite for that? It's the thing that always annoyed me about
> the online tax thing, still being liable for the 'not displaying' even
> though *they know* you are taxed.

http://tinyurl.com/na6aje

(Direct Gov - If you prefer to tax in the last few days of the month, 
there is now an exemption from the offence of not displaying a tax disc. 
This exemption covers the first five working days of the month and allows 
time for the new disc to arrive in the post.)

GIYF...

Chris

-- 
Remove prejudice to reply.

On Tue, 30 Jun 2009 20:19:05 +0000, Chris Whelan wrote:

> On Tue, 30 Jun 2009 18:32:06 +0000, PCPaul wrote:
> 
> [...]
> 
>> D you have a cite for that? It's the thing that always annoyed me about
>> the online tax thing, still being liable for the 'not displaying' even
>> though *they know* you are taxed.
> 
> http://tinyurl.com/na6aje
> 
> (Direct Gov - If you prefer to tax in the last few days of the month,
> there is now an exemption from the offence of not displaying a tax disc.
> This exemption covers the first five working days of the month and
> allows time for the new disc to arrive in the post.)
> 
> GIYF...

Google it you fat... what?  ;-)

Ta

Conor wrote:
> In article <h2aj1a$nff$1@aioe.org>, Peter smith says...
>> Righto I bought a car for a friend who has a provisional license. I have 
>> insurance for my car, and to driver other cars with owners permission.
>>
>> The car tax runs out tommorow, can I tax the car with my insurance 
>> document. 
> 
> No. 
> 
> 

Update for you all, I took my insurance certificate to 4 different posts 
offices, 3 of them refused it and on the last one I though feck it might 
as well give it a go and the the guy just did not bother read or check, 
just looked at the mot and top of the insurance letter which said 
"certificate of insurance" and issued me with a tax disc!!

Typically after all that hard work the next morning insurance documents 
turn up .. you have to laugh hey!

On Sun, 05 Jul 2009 13:28:26 +0100, Peter smith wrote:

> Conor wrote:
>> In article <h2aj1a$nff$1@aioe.org>, Peter smith says...
>>> Righto I bought a car for a friend who has a provisional license. I
>>> have insurance for my car, and to driver other cars with owners
>>> permission.
>>>
>>> The car tax runs out tommorow, can I tax the car with my insurance
>>> document.
>> 
>> No.
>> 
>> 
>> 
> Update for you all, I took my insurance certificate to 4 different posts
> offices, 3 of them refused it and on the last one I though feck it might
> as well give it a go and the the guy just did not bother read or check,
> just looked at the mot and top of the insurance letter which said
> "certificate of insurance" and issued me with a tax disc!!
> 
> Typically after all that hard work the next morning insurance documents
> turn up .. you have to laugh hey!

As I said:

 "although the exact interpretation of the law seems to 
depend on the mood of the issuing clerk!"

My stepson has a traders' policy; the interpretation of what he is 
permitted to tax with it varies day by day. He actually just does what 
you did, and keeps going until he finds a place that will issue a disc.

Chris

-- 
Remove prejudice to reply.

Peter smith wrote:
> Conor wrote:
>> In article <h2aj1a$nff$1@aioe.org>, Peter smith says...
>>> Righto I bought a car for a friend who has a provisional license. I 
>>> have insurance for my car, and to driver other cars with owners 
>>> permission.
>>>
>>> The car tax runs out tommorow, can I tax the car with my insurance 
>>> document. 
>>
>> No.
>>
> 
> Update for you all, I took my insurance certificate to 4 different posts 
> offices, 3 of them refused it and on the last one I though feck it might 
> as well give it a go and the the guy just did not bother read or check, 
> just looked at the mot and top of the insurance letter which said 
> "certificate of insurance" and issued me with a tax disc!!
> 

Yep - I accidentally took/showed last year's insurance certificate, and 
the clerk didn't notice.

Rob