Car Tax Question

LH_

I bought a car April just gone, but it's in my name since 1st May. Waited since then to do my full test to get insured to save money, passed last Monday and called up last Friday for the insurance company to tell me they wont insure my car since it's been sitting for 6 months.

She said either sell it and buy a new one or put the car in someone else's name and then change it back to mine. I want to put the car in my brothers name and then back to mine but will I need to pay the tax on it from May before I do this or can I wait till I get the car back in my name and then pay a years tax + the owed tax since May or will my brother have to pay it?

Also on the motor tax website it will not let me login with the last 6 digits of the chassis number and my registration number, have I to get insured first or?

punisher5112

Sell to anyone then buy back... Wink wink.
Then when back in your name tax it.

bazz26

Tax arrears go away when ownership of the car changes and that should include changing it back to yourself afterwards.

Cheensbo

Sign the car over to your brother, you can then (if you wish) - tax the car whilst in his name - tax will only be liable from the beginning of the month it came to his ownership) by using the pin retrieval function on the motor tax website. Then re-sell the car back to yourself and motor on.

Or else, you wait for the vlc to return in his name and you can then sign it back to yourself, await for the vlc (log book) to arrive to you and then tax it from the beginning of the month it came in to your ownership. I.e. you do it today - you are liable for tax from 01/10


As an aside, how do your insurance company know that it's untaxed?

And further - what does it concern the insurance company whether a car is taxed or not, or even how long it's been out of tax? ? Not directed as you op, general question...

punisher5112

Some insurance companies look for nct tax and licence

LH_

Cheensbo wrote: »

As an aside, how do your insurance company know that it's untaxed?

And further - what does it concern the insurance company whether a car is taxed or not, or even how long it's been out of tax? ? Not directed as you op, general question...

I made the stupid mistake of doing online quotes so they had all the details as soon as I called up and gave them my name and address. My brother who is with the same insurer also said they ask for a scan of the logbook so I couldn't even lie and say I had just bought the car so now I have to change names and go through all this BS...

Cheensbo

I wouldn't lie anyway.


But still don't see how it's any of their concern tbh..

punisher5112

Set up a new email and different name

kirving

Cheensbo wrote: »

I wouldn't lie anyway.


But still don't see how it's any of their concern tbh..

They can just refuse to quote if they want information that you don't want to give them.

In any case, I bet that there is a clear correlation between accident / claim rate of untaxed cars versus taxed cars.

mfceiling

punisher5112 wrote: »

Sell to anyone then buy back... Wink wink.
Then when back in your name tax it.

Surely if the brother is at the same address then it looks a bit suspect? John Smith sells to James Smith at the same address then James Smith sells it back to John Smith at the same address.

Or am I over thinking this!!

uck51js9zml2yt

The transfer of ownership wipes any outstanding arrears with the new owner only paying from the time of purchase.

Just be aware that the insurers are starting to look at cars that yo-yo between owners to avoid tax and dont look on them kindly when quoting insurance.

How much do you owe in arrears? Its 10% of the annual cost per month arrears.

Cheensbo

Kevin Irving wrote: »

They can just refuse to quote if they want information that you don't want to give them.

In any case, I bet that there is a clear correlation between accident / claim rate of untaxed cars versus taxed cars.

Yeh they can ask when you last ate a sandwich but it will still have no bearing on ones insurance.

Even if there was a correlation, still doesn't directly relate to why they refused the op a quote, the op owned the car for 6 months before looking for insurance - what's it's got to do with Mr.insurer whether it was taxed for that period or not??

Can't tax without insurance, can't insure without tax.

It's no wonder there's so many people not bothering with either.

Cheensbo

mfceiling wrote: »

Surely if the brother is at the same address then it looks a bit suspect? John Smith sells to James Smith at the same address then James Smith sells it back to John Smith at the same address.

Or am I over thinking this!!

You're over thinking it.

They'll have to make it illegal to sell personal property to close up this one.

LH_

Moises Dry Eel wrote: »

The transfer of ownership wipes any outstanding arrears with the new owner only paying from the time of purchase.

Just be aware that the insurers are starting to look at cars that yo-yo between owners to avoid tax and dont look on them kindly when quoting insurance.

How much do you owe in arrears? Its 10% of the annual cost per month arrears.

I'll pay the tax arrears no problem I just want my logbook to say the car is only recently in my name. I'd much rather not pay the tax if its legal not to pay them if I haven't even driven or insured the car. I was planning on paying the owed tax anyways if I was able to get insured last Friday but now due to the circumstances if I don't have to, i'd rather not.

uck51js9zml2yt

LH_ wrote: »

I'll pay the tax arrears no problem I just want my logbook to say the car is only recently in my name. I'd much rather not pay the tax if its legal not to pay them if I haven't even driven or insured the car. I was planning on paying the owed tax anyways if I was able to get insured last Friday but now due to the circumstances if I don't have to, i'd rather not.

You can't declare it off the road in retrospect. The date of sale is marked on the log book and noted on the vehicle database when it is transferred to the new owner. Tax is owed from that month.

You don't have to produce your insurance cert when taxing a car since the online system came into play and details couldn't be verified.
Signing the form is making a legal declaration that's what's in it is true.

punisher5112

They give 21 days instead of the original 10 at change of ownership due to delays of getting vlc.

You can transfer to your dog for all they know and transfer back.

Also while waiting on vlc to return you can keep an eye on motor tax site to see has change being updated and you will then be able to tax online create a new pin and enter your email.

Speeds up the process