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Originally Posted by Mick
I think times have changed now though Russ.
There is usually conditions attached surely in any insurance policy that if a vehicle is not taxed or MOT'd, then you are actually voiding your insurance and if a claim is made, the insurance company can turn round and invalidate the cover if they learn you were driving the car without a tax disc. Because, as we know - legally you cannot drive without a tax disc.
I've checked through my policy and there is a condition attached that I am covered if I am driving the car with a valid road fund license and a MOT certificate.
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I think the TAX issue has arisen because authorities are now trying to clamp down on untaxed cars that are abandonded. Insurance companies don't want to have all the hassle and pay out on a car to find it was crushed by the local authority because it didn't have a TAX disc.
If your car was stolen and it didn't have a tax disc I can understand their angle, however I have a number of cars that are SORN and stored in garages. These vehicles are all insured, so are people here trying to say my cars are not insured just because they dont have little round disc in the window?
There have been instances recently in my area where the council have gone onto private property and removed vehicles without TAX discs, I understand there is currently a legal case in my area over such an instance.
Did you know if your car is in the street, TAX'd, MOT'd and Insured and someone comes along and smashed the window, the council could remove it and crush it because they would consider it a health/fire hazzard!
It has been happening, all red tape gone mad
