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post #6 of 14 (permalink) Old 7th July 2007
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When you agree an insurance contract - it usually clearly states you will keep the vehicle in a roadworthy condition and in accordance with the relevant regulations relating to the current and future Road Traffic Act responsibilties. Therfore if your vehicle is not taxed or have a valid MOT it does not conform to the Road traffic Act - in other words no adherence to the Law - the insurance can be invalidated. In other words the insurers will keep there side of the deal if you do and if you fail then legally you have broken the contract.
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post #7 of 14 (permalink) Old 7th July 2007 Thread Starter
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Yeah just wish the police office informed me to that fact whilst I was still 5 miles from home could have turned around instead of carrying on the 60 miles to stay with my parents for the weekend!

Ill justy borrow the old mans car to head back, the cover note it probabbly sat on my front door mat, ask my insurer and they said they couldnt expediate it.

The whole thing has annoyed me a little always mot/tax my car way before needed to avoid stituations like this. I understand road worthyness and I completely agree on that but tax is just tax! they should give you a few days allowance on purchasing s a car as you not endangering anyone!

Next minute ill find my life insureance is invalidated if I still owe any income tax, or my contents insurance on my house goes if I still owe my council tax!

Rant over Sorry Guys cheers for the good advice as always!

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post #8 of 14 (permalink) Old 7th July 2007
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Most insures send out the cover note next day delivery as soon as the payment has cleared. It is also possible to get tax for a car without a cover note in some places you have to take the little slip of paper of the v5 that shows you have just bought the car. They then issue you with the tax but will check on the computer system a week later to check that you are insured or report you otherwise.
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post #9 of 14 (permalink) Old 7th July 2007
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You would have thought that this day and age they could fax or even, heaven forbid, email a copy for temporary usage

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post #10 of 14 (permalink) Old 7th July 2007
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Online car tax

When i was in this same predicament i got round it by taxing my car online. that way you only have to enter the MOT cert number and the reg number and your insurance status is confirmed automatically.

Granted it's not ideal because you have to wait for the tax disk to come in the post but you're at much less risk of being stopped as you're legally taxed and the only crime is failing to display a tax disk.which is max penalty of £60 fine, as opposed to points etc.

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