10gaugewannabee Posted March 14, 2015 Report Share Posted March 14, 2015 Pretty well what it says pleasei need to buy a new vehicle and so with the new tax and mot and insurance rules . I have no idea what is or is not legal. what i do know is they have loads of anpr cameras where i live and i don't want or can afford the extra points from doing a NI10 againso i am looking to buy from a dealer or forecourt and not private.i expect the van to have no tax or mot or insurance.so the man at the garage does to the MOT, how do i tax it, Online i was thinking. but do i have to insure it first to tax it, how quick is the computer system going to work am i going to be able to drive it home that night or does it take a day or so to up date the systemsI have a freebie with my car insurance that i can drive another vehicle (3rd party) if i want to so i was going to do that to get homethe other old trick was to book it into a mot testing station close to home rather than close to garage, is that still able to be donebefore someone suggests just driving it. the answer is a flat no, a big fat NOto many ANPR cameras where i live, to many plods that only do cars. to many white van idiots attracting attention and far far far to old to be doing any thing dodgy for the sake of a second hand van or carso how does one buy a vehicle and get home legally please i take it i need a lap top and a credit card to pay for the tax and the insurance if its needed but who what and how please Quote Link to comment Share on other sites More sharing options...
archi Posted March 14, 2015 Report Share Posted March 14, 2015 Have done this a couple of times Most decent dealers will let you have access to a phone or computer and normally sort out the RFL for you on the day to pay Some offer 5 days free insurance etc or can arrange for around £25 Take your insurance documents and phone after vehicle is taxed etc and put the car in risk Then you are free to drive away fully taxed and insured Pretty simple really and I would expect most or all dealers to be able to sort this for you as long as the car is prepared for sale valets mot'd etc Quote Link to comment Share on other sites More sharing options...
Marki Posted March 14, 2015 Report Share Posted March 14, 2015 (edited) Yes you have to tax it before you drive home, you can do this over the phone so a laptop isn't necessary. The check for insurance is for the car and not on a specific person so in theory, assuming the seller has insurance, even if the computer doesn't update you can still tax the car in your name. Check your insurance. Some policies only allow 3rd party cover if the vehicle owner has insurance. Edited March 14, 2015 by Marki Quote Link to comment Share on other sites More sharing options...
TbirdX Posted March 14, 2015 Report Share Posted March 14, 2015 Wherever you buy it from should MOT it first. I wouldn't buy it otherwise. The tax thing is easy enough, you can use the code on the new keepers section of the V5C to tax it online straight away, no insurance needed. Of course, if it already has tax, while its not transferrable, it won't show up on any ANPR as being untaxed until the DVLA register the sale, which won't happen for a few days at least. So you could, technically, drive it home and then tax it, but you pays your money in that regard. Insurance also, you just get it ready before hand and phone up and activate it and pay before you drive it off the forecourt. Quote Link to comment Share on other sites More sharing options...
loriusgarrulus Posted March 14, 2015 Report Share Posted March 14, 2015 You can tax it immediately online, even by monthly payment scheme. I did this a few weeks ago. If you semi sort the insurance out beforehand, you normally just need to ring the insurers while at the garage to finalise. I did that with the last car. Making sure the insurers are manned when you collect. MOT I would hope it would have already. Quote Link to comment Share on other sites More sharing options...
Twistedsanity Posted March 14, 2015 Report Share Posted March 14, 2015 As mentioned in another post your "drive any vehicle" addition to your other policy is 3rd party cover provided their is already an IInsurance policy in force for the vehicle you are driving , so you can't drive an uninsured vehicle on it but can borrow a friend's car if it is already insured Quote Link to comment Share on other sites More sharing options...
loriusgarrulus Posted March 14, 2015 Report Share Posted March 14, 2015 http://www.insure4aday.co.uk/ This is another option for a temporary insurance if you are not ready to fully insure it. I have used them when I had a gap between buying one car and selling another and wanted to take the old car somewhere. All done online. Expensive compared to a year policy pro rata but very useful for temporary cover. Quote Link to comment Share on other sites More sharing options...
colin lad Posted March 14, 2015 Report Share Posted March 14, 2015 we just brought a new car last week arranged for insurance to start on day we picked it up and garage taxed it while we sat there took them all of 1 minute to do colin Quote Link to comment Share on other sites More sharing options...
mossberg-operator Posted March 15, 2015 Report Share Posted March 15, 2015 Similar: getting insurance ready before, just activating it after buying the car (so Monday-Friday 9-5 car buying for me), road tax on the phone with DVLA, wouldn't buy anything without MOT, ready to drive. Everything legal. New tax system is a pain in the a.. in my opinion. Makes it more complicated, easier to screw it up.... Quote Link to comment Share on other sites More sharing options...
stubby Posted March 15, 2015 Report Share Posted March 15, 2015 went to a dealer a few months back with a friend who wanted to buy, it was already MOT'd but tax and insurance only took a few minutes over the phone, the dealers know the routine Quote Link to comment Share on other sites More sharing options...
malkiserow Posted March 15, 2015 Report Share Posted March 15, 2015 Me and me brothers buy new trannie tippers every 3 years so no mot. We don't bother with insurance or tax and keep them on a private ( my second cousin from Rathkeale owns it) site. then we move on so the rozzers never catch us...they never come to the site anyway as the dags frighten them off...... Simples Quote Link to comment Share on other sites More sharing options...
loriusgarrulus Posted March 15, 2015 Report Share Posted March 15, 2015 Me and me brothers buy new trannie tippers every 3 years so no mot. We don't bother with insurance or tax and keep them on a private ( my second cousin from Rathkeale owns it) site. then we move on so the rozzers never catch us...they never come to the site anyway as the dags frighten them off...... Simples Were you whistling "Fist full of dollars" when you typed that. Quote Link to comment Share on other sites More sharing options...
LondonLuke Posted March 16, 2015 Report Share Posted March 16, 2015 I have a freebie with my car insurance that i can drive another vehicle (3rd party) if i want to so i was going to do that to get home Don't go down this route as that's not quite how it works Only valid if the vehicle you drive is already insured. Ie a friend lends you their car to drive and is insured via them, you can then drive it 3rd party on your insurance Quote Link to comment Share on other sites More sharing options...
Jay_Russell Posted March 16, 2015 Report Share Posted March 16, 2015 Also the vehical ur driving in your 3rd party insurance must no belong to you. Check your wording on the policy Quote Link to comment Share on other sites More sharing options...
malkiserow Posted March 16, 2015 Report Share Posted March 16, 2015 Were you whistling "Fist full of dollars" when you typed that. Very Loudly Quote Link to comment Share on other sites More sharing options...
shoot and be safe Posted March 16, 2015 Report Share Posted March 16, 2015 See if you can get hold of trade plates from the dealer. As soon as you take possession of the vehicle it becomes your responsibility to make sure your legal. Assuming the vehicle has a valid MOT. Then all you have to do is either ring your insurance company to insure and the DVLA to tax. Or do the same online. You'll need a valid insurance policy on the vehicle, even if you don't intend using it for a while, unless it is declared SORN. So insure before you leave the dealer. If you are buying it as a project. i.e. MOT failure or accident damage, you will need to transport it on a trailer or recovery vehicle. As you can't drive a car/van on the road with out a valid MOT. If your not going to use it straight away after purchase, ask the garage to deliver it for you or lend you their trade plates. Mare sure you declare SORN as soon as you are handed the slip off the log book. Hope this helps Good luck. Quote Link to comment Share on other sites More sharing options...
EMcC Posted March 16, 2015 Report Share Posted March 16, 2015 I've just ordered a new vehicle and included in the price is the road tax so how does that work. I will change my present insurance to take effect from midday on the day I collect my new vehicle and will expect it to have been taxed ready for me to drive away. That is how I have done it in the past. Quote Link to comment Share on other sites More sharing options...
Scully Posted March 17, 2015 Report Share Posted March 17, 2015 Me and me brothers buy new trannie tippers every 3 years so no mot. We don't bother with insurance or tax and keep them on a private ( my second cousin from Rathkeale owns it) site. then we move on so the rozzers never catch us...they never come to the site anyway as the dags frighten them off...... Simples 'Mammy wants a caravan'. Quote Link to comment Share on other sites More sharing options...
Mentalmac Posted March 17, 2015 Report Share Posted March 17, 2015 I've just ordered a new vehicle and included in the price is the road tax so how does that work. I will change my present insurance to take effect from midday on the day I collect my new vehicle and will expect it to have been taxed ready for me to drive away. That is how I have done it in the past. Quite likely that the road tax is just in the price of the vehicle at the dealers end, and as such when you get to pick it up you'll have to quickly fill out form on car online with them but they'll pay or similar? Quote Link to comment Share on other sites More sharing options...
EMcC Posted March 17, 2015 Report Share Posted March 17, 2015 Just cleared it with the Dealer. Landrover give buyers of new vehicles seven days free insurance to enable the dealer to tax it. The cost of tax is then charged to the buyer, in my case £635.00. I will be given the option to continue with their Insurer or take it away and get my own insurance . I'm not sure how that would work with a used vehicle. Quote Link to comment Share on other sites More sharing options...
10gaugewannabee Posted March 17, 2015 Author Report Share Posted March 17, 2015 in the end we went with , purchase and leave at dealer, insure and tax at home the next day collect a few days later when the computers had caught up. our main concern was an anpr camera stop and details not being correct to the plods machine and there fore us doing a lot in fines and hassle. dealer was ok with it. as for the 5 day free insurence to get you home i was told it once by a friend that its a load of blarny and its just sending people out with nothing so i did not like that idea i had not realised that the insurence for me to drive another car still had to have another insurence policy on it, glad i never went down that route Quote Link to comment Share on other sites More sharing options...
mossberg-operator Posted March 21, 2015 Report Share Posted March 21, 2015 (edited) Hi guys! Got questions on this driving other people's car topic: So, got my car, insured. My friend got a car, insured. So we can drive each others car? How about someone who doesn't have a car? Can that person drive my car (legally)? Thx Edited March 21, 2015 by londonercsecse Quote Link to comment Share on other sites More sharing options...
loriusgarrulus Posted March 21, 2015 Report Share Posted March 21, 2015 Hi guys! Got questions on this driving other people's car topic: So, got my car, insured. My friend got a car, insured. So we can drive each others car? How about someone who doesn't have a car? Can that person drive my car (legally)? ThxOnly if you add him as a named driver on your insurance then he has the same cover as your policy. Some policies only insure the first named driver to drive a loaned car, so he couldn't then go a borrow a mates car on your policy.When you drive another car its using your own insurance, so if you haven't got insurance of your own you are not covered. Quote Link to comment Share on other sites More sharing options...
mossberg-operator Posted March 21, 2015 Report Share Posted March 21, 2015 Thx! That was my understanding of it, however wasn't sure. Quote Link to comment Share on other sites More sharing options...
shoot and be safe Posted March 21, 2015 Report Share Posted March 21, 2015 Check your policy wording booklet very carefully. Some insurance companies will only let you drive other vehicles if the other vehicle is lent to you by someone caring out work on your vehicle. As far as I'm aware, it is only the policy holder and not the named drivers that get entitlement to drive other vehicles but I could be wrong. You can only drive one vehicle at a time so your original policy transfers to the borrowed vehicle, usually third party only. If you were to drive a borrowed vehicle and your named driver was to drive yours, if you were both to be involved in accidents you would only be able to make a claim against one of the vehicles. Like I said, check your policy wording very carefully or ring your insurer to check and if they say it's ok, get it in writing. The other vehicle has to already be insured also. Quote Link to comment Share on other sites More sharing options...
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