General Chat

The next thing they intend to do is when you sell a car you have to return the tax to dvla, so if you return it at the begining of a month you loose a months value. the idea is when you buy a second hand car you have to tax it, to do that you have to have insurance.

It is no longer a legal requirement to have a paper insurance document within the UK for UK registered vehicles. Same for MoT.
When taxing a car a printout done on yr own computer from a cert sent as a .pdf by the insurance company / broker will do perfectly well.

It can take 2 business days for insurance to show up on the computer and if somebody has recently acquired a car they would do well to remember that especially if driving outside of office hours.

Post 2015 DVLC envisage car tax being paid by direct debit possibly monthly. No disc.

I would like to know how "Wheeler Dealers" get their imported classic motors onto UK plates so quickly. It always takes me forever. Quite what it will be like sorting out this kind of thing with somebody south of Suez with three years experience working for TalkTalk (say) I couldn't say.

I took delivery of a new car last week.. 4 Jan
I changed like for like ( just a newer model) and my insurance went up by £30 PA to reflect the current value.
However, as the new car was a demonstrator and pre registered, I did need insurance in place before taking delivery.
As 2 Jan is a holiday here, I rang the Ins company on 3 Jan, and asked if the docs could be emailed to me?
They don't do email, only FAX.
They charged me £9.75 for 1 page!
I work in a library and we charge £1 per page for a fax service.
I should have waited, as my Insurance paperwork arrived in the post on 5 Jan :-( :-( :-(

Car insurance aside ;-) Love your avatar budgiekins :-D :-D

The DVLC ( like the banks and some other UK Gov departments ) is moving its database to India in a bid to save a few quid.

Now the DVLC driver database comes with dob, ni number and licence details inc full and previous address. In other words perfect set for creatng an ID. The bulk sale of credit card and bank a/c details in the sub continent is already a massive problem which is kept firmly under the carpet.

Of course the nice UK insurance companies would not allow any misuse of the data in the same way as credit rating agency data is never misused.

Sorry I'll say that again ...

Maybe some people would prefer to shell out an extra £ 20 pa to ensure that (a) their personal data remained secure and (b) jobs remained in the UK. Nobody in power ever asks whatever their political stripe.

At first glance the only benefit I can see is a benefit for the insurance companies.

I am sure there are many many drivers who, lets say are not 100% truthful with when applying for their motor insurance, usually, not always, anything that you have a duty to advise your insurer about increases your premium.

This system will tell insurers who has done what and that will allow them to bump the premiums up for those individuals, and I do not see insurers using these increases in premiums to reduce premiums.

As to what Minister for the Cabinet Office Francis Maude said, well after his advice to motorists in 2012 to buy petrol and store it in Jerry Cans in your garage, I would take anything he says with a pinch of salt.

There,s got to be a Catch in it somewhere, such as a way to stitch up the motorist for more money.Just renewed my insurance ,told them to "Stuff It " if they did,nt come down by at least £100. They did in about 3to 4 mins, just shows how people are being ripped off by these companies.Watch out for the next Road Tax Fiddle. :-(

*sobs....Budgie you know how I can't stand Mrs Brown! Now I shall have to avert my eyes every time I read one of your posts! :-D <3

Are you referring to a Police helicopter Ann? :-D :-D

was that a pig I just saw flying over my house :-D

Car insurance premiums to fall as records go online. :-D



Motor insurance premiums could fall by £15 a year as a result of government plans to move all driving records online by mid-2015.
The new system would mean drivers no longer have to produce the “paper counterpart” when asked for their driving licence.
The Driver and Vehicle Licensing Agency (DVLA) will allow then allow insurers to access customers' information via the gov.uk website - as long as they have their driving licence number, national insurance number and address details.
Motoring experts claim it could also speed up the car hire process.
Insurers claim the move could save motorists around £15 a year on their insurance premiums, as it will allow them to check for traffic offences and points on licences at the point of sale.
At the moment, it is reasonably easy for drivers not to disclose points on their licence or to make a mistake – something that insurers claim pushes up premiums.
Cabinet Office minister Francis Maude said consumers would be able to check their own licence details, and the government will also offer assistance to anyone who has problems using the internet via local libraries, post offices and call centres.
Maude added that government IT projects such as this have already saved taxpayers over £1 billion a year.
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Seems a good idea at first glance,
but will customers actually benefit?
So, do you think the insurers are going to pass this "saving" on to the public?
The cost of my car insurance this year has gone up by far more than the £15 quoted.

It does not mean that you (the public) will be able to see if your neighbour or that nasty crazy driving chappie down the street has any driving offences listed.
You would have to have the drivers personal details to view his records.
ie: driving licence number, national insurance number and address details.