Can you tax a car using
short term car insurance? Yes, you can. Whether or not you
should do this depends on why you want to do it.
Once you have insured a car using a short term car insurance
policy the insurer is obliged to enter the details on the MID
(Motor Insurance Database) within seven days, although to be
fair most of them do it within a lot shorter period than this.
Once your details are on the MID, and assuming that the car has
a valid MOT certificate, you could tax it online, although the
drawback to this is that the tax disc is then sent through the
post, and until it arrives you shouldn't really use the car on
the road, because it is an offence to do so unless a valid tax
disc is displayed.
On the other hand, once you have paid for your insurance you
should be able to download the necessary documents right away.
Strictly speaking, these should be acceptable to post office
staff, so if you go to one which is authorised to issue tax
discs you should be able to get one from there right away.
If you want to insure a car and tax it so that you can legally
drive it for a short while, then shot term car insurance can be
a very useful option. Once the insurance has expired you can get
a refund for the tax disc, but bear in mind that the refund will
only be from the beginning of the month following the month of
application; in other words, if you applied for a refund on 1st
of June the refunded period would begin on 1st of July; if you
apply for a refund on 30th of June it would still be begin on
1st of July. Always make sure that when you pay for the tax you
do so for a full 12 months; if you pay for six months then you
will be charged an extra 10%, but when you get a refund the
refund will be based on the twelve-month price; in other words
you will not get back the extra that you have paid.
information about short term car insurance? try
There are a few naughty people about who, in the past, have
bought short term car insurance, used it to tax their cars and
then once it has expired they have continued to drive whilst
uninsured. This has always been a very risky practice, not only
for other road users but for themselves as well, because the
risk of being caught is extremely high, and the penalties
Draconian. Every car insurance policy is registered on the MID
and there are road cameras all over Britain whose sole purpose
is to read the numberplates of passing cars, compare them with
the MID details and if the car turns out to be uninsured either
it is stopped by a patrol vehicle waiting further along the
road, or a police officer is knocking at the owner's door within
days. The screws have now been tightened even further; it is now
not only illegal to drive a car without insurance on a public
highway, but also to even own without making a SORN (Statutory
off Road Notification) declaration. The police make checks on
the MID thousands of times a day to check on whether or not
vehicles are insured, and where there has been no SORN a visit
and a £100 fine are the likely results.
When police officers suspect that a car is being driven by
someone who is not insured to do so they have the right to seize
it, and it is then taken to a pound. To get it back, the owner
has to produce a full insurance certificate (a temporary
certificate will not suffice), and pay not only a stiff seizure
fee but also a daily charge as well. Cars that are not recovered
can be crushed. It is therefore more important than ever to
ensure that anyone who drives a car is fully covered by
insurance, and short term car insurance can have an important
part to play in this.
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