Insurance Question

[Brigante]

I should hopefully be picking up a new vehicle in the next week or two and this will mean transferring the remaining months of the focus policy over to the new vehicle. I would then be selling the focus on at a later date.

My question is could I keep the focus taxed in my name, but uninsured on the basis that it will be stored off the road on private land and not driven while it has no insurance?

The plan would then be to take out temp cover at around 40quid a day as and when someone comes round for a test drive, so that I the owner will be fully comp and the person test driving can will be able to test drive it third party, so long as they are fully comp on another vehicle too.

[gregers]

could you not see if a multicar deal works out better?that way just in case anything happens at least your old car is covered.

[AdeMk1]

Under the new rules, if a car isn't insured it must be declared SORN or you risk a fine landing on your doormat.

If the system sees your car isn't insured but is still taxed it would automatically generate a fine for you for not declaring it off road.

[Brigante]

Under the new rules, if a car isn't insured it must be declared SORN or you risk a fine landing on your doormat.

If the system sees your car isn't insured but is still taxed it would automatically generate a fine for you for not declaring it off road.

hmm thats what i thought

so i'd have to declare it sorn and get a tax refund? so then what would i do when someone wants to test drive it?

[Stoney871]

https://www.lawontheweb.co.uk/personal/car-insurance-tax-and-mot

[AdeMk1]

Yep, essentially an uninsured vehicle has to be declared SORN as well.

Regarding test drives, you will have to arrange for it to be done on a private road or land, otherwise the buyer has to buy the car without test driving it - unless they are prepared to insure and tax it just to have a drive of it!

Only other option is to insure and tax it yourself and keep them running until you sell it, which wouldn't really be economically viable for anyone.

[Stoney871]

If you sell to a dealer they can drive it with trade plates on.