Meandering jet lagged post

izwozral

izwozral

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Back in screwed up, rip off Britain after 3 glorious and happy months in NZ.

First problem has been the MH which was on Sorn and with expired insurance and MOT. The only way we could be MH mobile again was to take out one day insurance so we can drive to the pre-booked test. This can be done without taxing the MH as long as it is only to and from the MOT centre. Cost of one day insurance was £36 which can be extended at extra cost. The equivalent cost of one years insurance at that rate is £13,140.00!
Info may be of use to someone in a similar situation?

Our previous insurer, Adrian Fuxx quoted us £456.87 to cover the next 12 months insurance. We have been quoted £232 with Ripe!

Next gripe: we have paid more in parking charges the last 24 hours than we paid in the whole 3 months in NZ.

Diesel was much, much cheaper in NZ, it also imports 90% of it's oil, so why is the UK so expensive? https://www.globalpetrolprices.com/New-Zealand/diesel_prices/
 
I don't think I would phaff with one day
insurance better insured parked at home fingers crossed for a pass ,check lights dash warning lights, tyres, wipers washers seat belts give the brakes a good workout discs proberby rusty ,
 
Last edited:
Canalsman said:
Your vehicle does not need to be taxed in order to insure it. It would have been cheaper to take out a new annual policy.
Click to expand...


Unless my jet lagged fogged up brain is in dead mode, I think the link below disagrees with your statement. I may well be interpreting it incorrectly but it appears to me like it is a Catch 22 situation. We tried to get full insurance but were knocked back.



No, you cannot tax a car without valid car insurance. In the UK, Continuous Insurance Enforcement (CIE) means that all vehicles must be insured, even if they are not being driven. You will need to have at least third-party insurance in place before you can tax your vehicle.

Here's why and how:
  • Continuous Insurance Enforcement (CIE):
    The law requires all vehicles to be insured at all times, unless a Statutory Off-Road Notification (SORN) has been declared.

  • Taxing requires insurance:
    You cannot complete the vehicle tax process without providing proof of insurance.

  • Temporary insurance:
    If you need to drive a car for a short period (e.g., to get it home after purchase or for a brief journey), you can use temporary car insurance to cover the necessary period.

  • SORN:
    If your car is not being used and is not on public roads, you can declare it off-the-road (SORN) with the DVLA. This will exempt you from the requirement to insure and tax.



  • The world of MOTs and insurance can be a little confusing, with exact rules changing depending on insurer.

    For example, Cuvva always requires you to have a valid MOT before you can take out one of our temporary car insurance policies (the only exception is if you're on your way to an MOT test)

  • What if my MOT has expired and my annual car insurance is due for renewal?​


    Key points​

    • You can be fined up to £1,000 for driving a vehicle without a valid MOT
    • Most providers require that you have an up-to-date MOT for your car insurance to be valid - without one they can refuse a claim
    • Police cars and automatic number plate recognition (ANPR) cameras can identify cars without an MOT and will issue fines and penalty points
    • Is my car insurance still valid if my MOT has expired?
    That depends on the insurer’s terms and conditions.
    Many providers specifically state that, for your cover to remain valid, you must make sure your vehicle is roadworthy and has a current MOT certificate, if applicable.
    So, if your MOT has expired, you could invalidate your insurance and your provider could refuse to pay out a claim.
    What’s more, as well as committing an offence by driving without an MOT, you could also technically be breaking the law for driving without insurance.
    This could result in a fixed penalty of £300 and six penalty points on your licence. If the case goes to court, you could receive an unlimited fine and even be disqualified from driving.
    If your provider doesn’t specifically state that you need a current MOT for cover to remain valid, you’ll escape these sorts of penalties. If you’re in an accident and try to claim, though, the insurer will want proof that your vehicle was roadworthy at the time of any incident or accident before they’ll pay out.

    Can I make a claim on my car insurance without an MOT?​

    Possibly. In most cases, the terms and conditions of your motor insurance policy will stipulate that your insurance is only valid if you have a current MOT.
    So, without one, your insurer can refuse a claim if you damage your car in an accident. That means you’ll be liable for all repairs to your own car and to other vehicles involved if the accident is your fault.
    If having a valid MOT isn’t a condition of your policy, the claims process could still be complicated. Your insurer will likely send out an assessor to investigate that your car was in a roadworthy condition at the time of the accident. They’ll decide whether the condition of your car contributed to the incident before approving a payout.
    You can also expect to receive a smaller payout if your vehicle is written off or stolen without a current MOT certificate. That’s because vehicles without an MOT automatically have a lower market value.

    ​

    .

    What happens if I’m caught driving without an MOT?​

    Police cars have systems on board which can check whether your car has a valid MOT certificate. Automatic number plate recognition (ANPR) cameras on main roads and motorways can do the same.
    Driving without an MOT certificate could land you with a fixed penalty notice or a fine of up to £1,000. If your car is deemed ‘dangerous’, you could also receive penalty points on your licence, or even a driving ban and a fine of up to £2,500.
    The only time you can drive without an MOT on public roads is if you’re on your way to or from a pre-booked MOT appointment, or to have defects remedied that were discovered on your MOT test.
    If you’re stopped by the police, you need to provide evidence of the pre-booked appointment to avoid a penalty.

    Do I need car insurance to drive my car to its MOT?​

    Yes, driving without insurance is illegal in all circumstances. So you need car insurance for every journey you make.
    If you discover your MOT has lapsed, you must stop driving the car and book an MOT appointment as quickly as possible. As it’s likely your car insurance will be invalid without an MOT, you should let your insurer know and request cover for the journey to the test centre.
    If they agree to cover you, the car must not be used for any journey other than to the pre-booked appointment. Even popping into the shops on the way could get you into hot water if you’re stopped by the police.
    What happens if your insurer refuses to cover you for the journey to your MOT appointment, though? You might have to look at taking out a temporary car insurance policy to cover the drive to the MOT centre instead. This could also be a good option if you don’t want to shell out for an annual policy while you’re unsure whether your car will pass its MOT test.
    If you can’t find an insurer willing to cover you without an MOT, then you’d need to pay for your car to be towed or transported to the test centre.

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WE are lucky here as police say they will not prosicute if you have booked a test which with long lead times causes problems, so what you do is book a test and 4 days before cancel and ask for new date saying cannot get parts, i knew a chap did this for almost a year.
 
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