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Devon TRF Group Open Forum -> General Discussion Board -> online insurance database + tax + mot check + driving licence check
Post Info TOPIC: online insurance database + tax + mot check + driving licence check
hampsterracing


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online insurance database + tax + mot check + driving licence check
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you can check if your vehicle is on the insurance database that the police use HERE.

it can save a lot of hassle later smile

check tax/SORN renewal HERE

check MOT and MOT history HERE

check driving licence information HERE

 



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Hoops


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RE: insurance database
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Nice one Roger, heard lots of horror stories about cars being towed away as the insurance records were wrong (insurance company fault, not driver).

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hampsterracing


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i only realised the wr insurance certificate was wrong when i checked the database weirdface

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TTR


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If your vehicle fails the test...
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https://www.gov.uk/getting-an-mot/after-the-test

 

If your vehicle fails the test

Youll get a notification of failure from the test centre if your vehicle fails the test. The failure will be recorded in the secure central MOT database.

You can still drive your vehicle if it fails the test and its existing MOT certificate is still valid (ie you got it tested before the expiry date). However, you might be stopped by police and prosecuted if your vehicle is unroadworthy.

If the vehicle fails the test and the certificate has expired, you can only drive it to:

o    have the failed defects repaired

o    a pre-arranged MOT test appointment

 

Your vehicle should be retested at the same test centre that did the original test.



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TTR


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Am I insured to drive a vehicle to the MOT Test Centre that is out of MOT?
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I checked my bike insurance FAQ and it specifically says I am not insured to ride a bike without an MOT so am not covered to ride it to a pre-booked MOT cry

I have done that so many times completely unaware no

Check your insurance as yours may be different.



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jt


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RE: online insurance database + tax + mot check
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Good reason to make sure you get it MOT'd before the old one expires then....



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Steve H


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jt wrote:

Good reason to make sure you get it MOT'd before the old one expires then....

 Difficult for Brian when he's spent several months refurbishing a TTR bought with no MOT.

Good point for most of us though.



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jt


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Trader policy or does he insure each one separately?

Not my business but my point was for 'the rest of us' wink

 

 

 



-- Edited by jt on Monday 8th of September 2014 09:21:32 PM

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TTR


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eBike - 3 riders and 4 bikes.

My refurbs take soooo long disbelief that my turnover is minimal so I don't class myself as a trader.

I have always, unwittingly, ridden my refurbs down to Jez in Exmouth for MOT without insurance hmm

I guess its a trailer jobby from now on but what a faff plus parking a car and trailer near Jez is a 'mare cry

It isn't always easy for folk who work weekdays plus Saturday mornings to get their MOTs in time especially as you don't get a reminder (unless you pay for it) and they can expire in a sneaky way... Got a family member in that situation.



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TTR


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RE: online insurance database + tax + mot check + driving licence check
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Anyone else experiencing a delay in getting the V5 for a new purchase? I sent one off on 8 October and no new V5 and no change showing on the DVLA database yet. Just wondered if it's time to send a copy or just be patient a while longer confuse



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jt


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Yep - lads new Beta took over 6 weeks for V5 to turn up.

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TTR


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Very poor no

I hope they take note of the date submitted else the previous owner will lose a month's tax refund cry



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delvey91


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I bought a bike october 10th still no v5 yet



-- Edited by delvey91 on Tuesday 18th of November 2014 01:05:28 PM

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Tigerman


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I bought a bike at the end of September, got the v5 two weeks ago..



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Admin


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Sold and bought a bike two weeks ago, got the V5 a week ago, notification of change of owner and tax refund yesterday



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jt


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Yes but as you sell and buy so many your on first name terms with all the staff in DVLA and get 'special' treatment wink



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Jocko AKA Simmo


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The ZZR I bought last week only had the new keeper's supplement. Lawless Wild West etc. Sent it off with form V62 and we'll see what happens.



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TTR


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TTR wrote:

Anyone else experiencing a delay in getting the V5 for a new purchase? I sent one off on 8 October and no new V5 and no change showing on the DVLA database yet. Just wondered if it's time to send a copy or just be patient a while longer confuse

 Sent copies of the V5C to DVLA a couple of weeks ago and still no sign of the new V5C - coming up to 2 months no



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Jocko AKA Simmo


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jt wrote:

Yes but as you sell and buy so many your on first name terms with all the staff in DVLA and get 'special' treatment wink

  just seen this hahaheeeheee



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RichT4


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TTR wrote:

I checked my bike insurance FAQ and it specifically says I am not insured to ride a bike without an MOT so am not covered to ride it to a pre-booked MOT cry

I have done that so many times completely unaware no

Check your insurance as yours may be different.

Sorry to drag up an old post be this issue bothered me so I looked into it a little.

See this post.

The law requires that you must have a minimum of third party insurance coverage in order to be on the road.

Insurance companies are prohibited under the Road Traffic Act 1988 section 148 (2) (b) from not paying out a third party claim due to the condition of the vehicle.

This means that having no MOT does not invalidate your insurance in the eyes of the law / police.

 

So the thread suggests that insurance companies might refuse to pay out on your repairs but cannot escape any 3rd party risk, thus you cannot be charged for riding without insurance as you still have insurance.wink



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RichT4


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This site explains it quite clearly also.



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Berlingo


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Haven't posted in a while so thought I would add to this thread. Great info above. If its a condition of the contract to have an MOT its possible for an insurance company to not pay out to you but pay the 3rd party as obliged under the traffic act. They can on occasion come after the insured (or not as the case is) to recover their loss from paying out on a policy that was in breach.

I've only read cases where somebody has sold a vehicle and left the insurance running with intention of transferring it to a new vehicle rather than letting insurance company know. The new owner was not insured and had an accident to which they where liable. As the vehicle is still insured the traffic act makes them pay up. They then almost certainly sue the previous owner for all losses as they where not informed of the sale they are still liable. So if your selling a vehicle, its a great idea to let the insurance company know ASAP to protect you from ironically the road traffic act which forces them to pay out for 3rd party for a vehicle you no longer own. Under new guidelines, you no longer have to send certificate back.

It does say in almost all policies in a section that they reserve the right to recover losses from the insured for having to pay out where they would not normally have to (road traffic act) because of the law of that country or something like that.

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