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It's a long thread, so forgive me if it's been mentioned, but in all this discussion about the law I don't think anyone has mentioned the contact you have between yourself and your underwriter.
Surely the Bennetts 3-mods debacle would suggest that your underwriter is the one who decides whether you're insured or not? The EU directive cited above implies that it is up to member states to ensure through their insurance regulators that your underwriter provides you with the minimum cover required, but is that in all cases? Or can the require certain conditions to be met? And can those include a requirement for up to date paperwork? Might be worth asking... |
I would bet money that ANY EU insurer will tell you that, in order for your insurance to remain active either in the member state where you took out the cover or in another one, the vehicle must comply with the road tax / roadworthiness certification requirements in the state where it is registered.
Although, as Tony P et al will doubtless point out, whether the insurer would get away with denying cover in the even of a claim when the vehicle doesn't have for eg a current MOT certificate AND the accident wasn't caused by anything that would have been picked up if it did is a moot point. |
A valid MOT is something I am definitely going to have. With out one, the insurers could claim the car was not road worthy... Even though having one if no proof that it is, it goes a long way in your favour to have one.
Tax has no bearing on the safety of the car/driver.. I'm not taxing a vehicle outside of the U.K.. No way. |
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Not sure if this applies - it probably doesn't - in those countries outside the EU which are members of the Green Card scheme. |
Just a little antdope here. I was in HM Forces station in Germany. Most of us if not all had UK insurance with a year green card. No road tax, But had a BFG ( British forces Germany ) sticker in the window, where the tax disk would go, The car's where tested by HM Force's to a standard of the UK MOT. So on the unserstanding that something like this is still in place. A year's Grean card is posibale. No you don't need road tax. But you need an MOT. When you get back to the UK. Just pop in to the local post office and buy the tax. As for Swansea. A call could be on the card's as to the SORN part of no road tax.
Hope this is of help. John933 |
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How will you resolve the SORN status? It now cover insurance as well. ie if not insured it must be SORN'ed, ditto for tax. Will the computer system flag it if it see's that its insured but not taxed. Are they that on the ball? Cheers, John |
There is always the option of a new bike - 3 years of use pre first MoT? £££
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This was before the days of the insurance industry making their database available to the DVLA, but I would consider doing that again if I made a SORN statement. Therefore, my guess is that there are lots of vehicles in the UK at any particular time that are insured but SORNed, especially motorbikes tucked away in warm garages for the winter, but still insured against fire and theft. I guess, theoretically, I could put, say, a SORNed motorcycle into a van take it overseas and use it there (the same would apply to, say, a 4 wheeled vehicle on a trailer that is taken away from the UK). Regarding SORN, Fern brings up some good information in post number 101 in this thread:- http://www.horizonsunlimited.com/hub...g-term-39472-7 I haven't checked her input because she quotes her own research and link, which I trust she has got right! :smartass: |
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