The Car tax disc is to be scrapped after 93 years - Page 6

banjo · 01-03-2014, 16:22

Quote:

Originally Posted by martyh

You have yet to come up with a good reason why you would need such proof

So that in the possibility of a mistake being made on the electronic data base you have proof of the vehicle being taxed and it gets you out of a world of grief, is that good enough reason ?

01-03-2014, 18:06

Quote:

Originally Posted by Escapee

So how do you prove you have insurance if you are stopped by the police, do you carry a copy of that as well?

No ,there is no need .If you are stopped by ANPR that says you have no insurance the police always phone the insurance company directly if there is any doubt .The same applies for those who carry insurance documents as 'proof' of insurance ,they are not proof of insurance because some people start a policy on monthly payments and then stop the payments once they get the documents thinking that will be proof of insurance and the police won't bother checking

---------- Post added at 18:06 ---------- Previous post was at 18:01 ----------

Quote:

Originally Posted by banjo

So that in the possibility of a mistake being made on the electronic data base you have proof of the vehicle being taxed and it gets you out of a world of grief, is that good enough reason ?

why do you think that is going to be a problem when it hasn't in the past ,a simple phone call or online check will settle the matter ,all a tax disc is ,is a receipt for monies payed to DVLA.
I think some people are trying to find a problem where there isn't one

Russ · 01-03-2014, 18:10

Quote:

Originally Posted by banjo

If the car is not taxed then you are uninsured oh joy

I've never understood where that fallacy came from. If you have a current certificate of insurance, you are insured - end of.

banjo · 01-03-2014, 19:01

Quote:

Originally Posted by Russ

I've never understood where that fallacy came from. If you have a current certificate of insurance, you are insured - end of.

do you think the insurance company will be happy that you are driving a car illegally they try to get out of paying claims at the best of times, anyhoo this is getting no where I think we will have to agree to disagree.

Russ · 01-03-2014, 19:05

I couldn't care any less about whether or not an insurance company is happy with me. I have a legally binding contract with them and they will honour it.

01-03-2014, 19:10

Quote:

Originally Posted by banjo

do you think the insurance company will be happy that you are driving a car illegally they try to get out of paying claims at the best of times, anyhoo this is getting no where I think we will have to agree to disagree.

If you are driving an untaxed car and the insurance company refuse to payout that is not the same as not being insured .

The only objection i have to this is not being able to transfer the tax to a different owner ,that i think is wrong because it's like taxing the person not the vehicle

banjo · 01-03-2014, 19:16

Quote:

Originally Posted by Russ

I couldn't care any less about whether or not an insurance company is happy with me. I have a legally binding contract with them and they will honour it.

So you have gone through your legally binding contract line by line to fully understand it ?

Russ · 01-03-2014, 19:33

Quote:

Originally Posted by banjo

So you have gone through your legally binding contract line by line to fully understand it ?

Having worked for Admiral in the past for 3 years I have a pretty good understanding. The 'small print' of most insurance agreements are the same so they don't need scrutiny. I know what I'm covered for and I know the exclusions. I've never driven without a tax disk and neither do I plan to so it's not something I worry about.

banjo · 01-03-2014, 19:48

Quote:

Originally Posted by Russ

Having worked for Admiral in the past for 3 years I have a pretty good understanding. The 'small print' of most insurance agreements are the same so they don't need scrutiny. I know what I'm covered for and I know the exclusions. I've never driven without a tax disk and neither do I plan to so it's not something I worry about.

I cannot believe that any insurance company would allow a vehicle to drive illegally on the highway with no tax and still cover them, if someone rang Admiral and asked for cover on a vehicle to be used on the road with no tax what would you say ?

Russ · 01-03-2014, 19:52

Quote:

Originally Posted by banjo

I cannot believe that any insurance company would allow a vehicle to drive illegally on the highway with no tax and still cover them, if someone rang Admiral and asked for cover on a vehicle to be used on the road with no tax what would you say ?

I don't work for them anymore but seeing as "Is the vehicle taxed" isn't one of the conditions of insuring a vehicle, it would make no difference. It's all computerised and has been for decades. There isn't some man sitting in an office deciding whether or not to insure vehicles.

01-03-2014, 20:04

Quote:

Originally Posted by banjo

I cannot believe that any insurance company would allow a vehicle to drive illegally on the highway with no tax and still cover them, if someone rang Admiral and asked for cover on a vehicle to be used on the road with no tax what would you say ?

When you pay your tax at the post office or online you have to have MOT and insurance ,there is no legal requirement to have vehicle tax to buy insurance .You can if you want have a vehicle on SORN and buy insurance to cover it against fire or theft

banjo · 01-03-2014, 20:05

So the insurance industry is run by computers with no human interaction, interesting !!

Russ · 01-03-2014, 20:08

Quote:

Originally Posted by banjo

So the insurance industry is run by computers with no human interaction, interesting !!

No, I didn't say that.

The decision to issue insurance is computerised.

If you and your vehicle match a set of criteria, cover can be issued. Whether or not the vehicle is taxed is never brought in to the equation. Even if you told them it's untaxed, there is no part of the process where they can add that detail.

banjo · 01-03-2014, 20:15

Quote:

Originally Posted by martyh

When you pay your tax at the post office or online you have to have MOT and insurance ,there is no legal requirement to have vehicle tax to buy insurance .You can if you want have a vehicle on SORN and buy insurance to cover it against fire or theft

You are being selective with what you have replied to, I said on the highway or road not on sorn

---------- Post added at 20:15 ---------- Previous post was at 20:08 ----------

Quote:

Originally Posted by Russ

No, I didn't say that.

The decision to issue insurance is computerised.

If you and your vehicle match a set of criteria, cover can be issued. Whether or not the vehicle is taxed is never brought in to the equation. Even if you told them it's untaxed, there is no part of the process where they can add that detail.

I have a car and it is in an accident and some one is killed but it is not taxed would the insurance company pay out ?

Russ · 01-03-2014, 20:18

Quote:

Originally Posted by banjo

I have a car and it is in an accident and some one is killed but it is not taxed would the insurance company pay out ?

This is going way off-topic. Far too many variable possibilities to answer with a straight yes or no. Were you drunk, was the car roadworthy, were you banned, did you have a full licence etc. The car being untaxed would makes no difference.

Of course you could always ask your insurance company....