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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

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Original poster

to report an untaxed car?

67 replies

hatesponge · 01/06/2010 22:18

Would you report an untaxed car (being driven about, not off-road) whatever the circumstances?

My Ex's road tax ran out a month ago. Our DC have pointed it out to him since then and his response was that he hadn't got round to it

He has done so much awful stuff to me over the years that I am sorely tempted to report him. However, part of me thinks I shouldn't....bad karma & all that.

Am sure IANBU simply to consider it, but AIBU to do it?

OP posts:

EightiesChick · 01/06/2010 23:26

Ah, I see - it's the crime bit in the policy. That makes sense. In any case I would expect any insurance co to do their best to avoid paying out, so it wouldn't surprise me if it was built into many policies.

CrankyTwanky · 01/06/2010 23:30

If I proper hated them, yes, I think I would.

xstitch · 01/06/2010 23:31

If his tax only ran out yesterday I would give him a bit of leeway. I didn't put my new tax disc in until this afternoon I had thought it was the 31st May until then. Didn't drive it with the old disc and it was off road btw.

If it ran out at the end of April then go for it, I would report him. MY insurance is considered invalid without tax also. I wouldn't call it nasty if its the truth, just public spirited.

KillerCleavage · 01/06/2010 23:31

Speaking from experience here. If you try to claim on a car insurance policy they will want to see a copy of the MOT certificate and details of your road tax before they will even entertain a claim.

If either have expired they will reject your claim as you have not kept to the terms and conditions of the policy. Which usually state that for the insurance to be valid the vehicle will be taxed and have a current MOT certificate.

And if the police attend an RTA the driver will be given a 'producer' which requires them to attend their local police station within a specified time and produce their driving licence, MOT certificate, road tax details and insurance details.

llbeanj · 01/06/2010 23:33

it doesn't (and can't) make insurance invalid for third-party claims, and who cares if he can't claim on it?

I didn't meant it was a nasty thing to do, but he will think it is, and it could get unpleasent.

KillerCleavage · 01/06/2010 23:33

And yes - all mine was in order. But it gave me a fright even so.

llbeanj · 01/06/2010 23:56

here we go - an article from the times, they got the info from the ABI.

The Association of British Insurers (ABI) says that insurance policies will still pay out in full on any third party claims, and in the case of damage to or theft of your own vehicle, payouts may be reduced to reflect the lower market value of a car without an MoT.

.....

If the car has no road tax, the ABI says insurers are still obliged under the Road Traffic Act to pay out for both third party and comprehensive claims. The fact that you are committing an offence by not having tax is irrelevant.

whomovedmychocolate · 02/06/2010 07:48

Third party claims may well be covered llbeanj, just as even if I don't have insurance for my pushbike, if I run someone over on it because I'm riding like an arse, they can take legal action against me. (And in some cases my household insurance may pay out on the claim).

But seriously, read your insurance policy, I'm sure it'll refer to legal driving or crime as an exclusion.

EricNorthmansmistress · 02/06/2010 08:35

My brother managed to forget to renew his for 5 months. He even got stopped by the police (unrelated) and they didn't notice. If he is a cock I'd report +=evil laugh.

thesecondcoming · 02/06/2010 09:00

This reply has been deleted

Message withdrawn at poster's request.

llbeanj · 02/06/2010 11:51

no, my policy doesn't have any exclusions about 'legal' driving. the only one I have even seen was only about the 'legal protection insurance' which I have separately anyway.

and this was all about third part claims! nobody here cares if he has trouble claiming after an accident.

you can also check if he is insured on the MID website, if he isn't that's much more serious.

the usual outcome of no tax is a letter from the dvla and an £80 charge. caught without insurance is minimum 6 points and a fine and the car is probably impounded.

JaneS · 02/06/2010 12:11

Btw, you have seven days' grace after the date on your tax disc, during which it is still covered. That isn't the situation in the OP but someone said 'if it ran out yesterday', so I thought I'd point that out.

I think it's vindictive, but if it's also characteristic of the OP's ex, I think fair enough. It is twattish behaviour from him.

JennyPiccolo · 02/06/2010 12:30

i reported one once, but only because it was sat outside for months and months and i was sure it had been nicked and abandoned. Turned out it had.

I wouldn't see the point of grassing up your ex, you'd feel good about it for about two seconds.

ILovePlayingDarts · 02/06/2010 12:43

There is no "Grace period" at all. Some officials may use discretion, but you can legitimately be prosecuted if the disc is even one day expired.

llbeanj · 02/06/2010 13:07

there is a "grace period" of 5 working days at the start of the month, but only if you are waiting for it to arrive by post. and you ordered it before the last one expired.

JaneS · 02/06/2010 13:08

Ah, thanks llbeanj, I think that's what I was thinking of. I know mine was late in the post you see, and they told me they couldn't legally prosecute me because of the grace period.

whomovedmychocolate · 02/06/2010 15:22

Actually I'd care if he had a claim after an accident - if you aren't insured, you may be minded to keep driving the vehicle with damaged car seats etc. which the OP would not wish to happen obv. And as much as she hates him, she probably would not wish him maimed (much).

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