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How soon to drive away?
Arash Trip
post Sat, 18 May 2019 - 19:23
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Hi,

I want to buy a car from a private seller.

I need to insure and tax it before drive it home. I know that I can do both online but my question is that can I drive immediately after pay for the tax and insurance online?

I read before that it may take for the MID and DVLA websites to update. So is it safe to drive way straightaway?

Thanks
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post Sat, 18 May 2019 - 19:23
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Redivi
post Sat, 18 May 2019 - 20:04
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Keep a note with you of the insurance company and details

If you're stopped, the police can contact the company to confirm the insurance

It's good practice to check Askmid whenever insurance has been renewed or changed

This post has been edited by Redivi: Sat, 18 May 2019 - 20:06
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Arash Trip
post Sat, 18 May 2019 - 20:52
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QUOTE (Redivi @ Sat, 18 May 2019 - 21:04) *
Keep a note with you of the insurance company and details

If you're stopped, the police can contact the company to confirm the insurance

It's good practice to check Askmid whenever insurance has been renewed or changed


thanks. actually it is my concern as askmid is not updated instantly and it takes a time. the same is for DVLA tax status.
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Logician
post Sat, 18 May 2019 - 20:56
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It takes something like 5 days for the MID to be updated. If the car is already taxed, it stays taxed until DVLA are notified, despite what they tell you. If it is not taxed and you do it immediately it will not appear on the police website until the following day, so neither is instantaneous.


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southpaw82
post Sat, 18 May 2019 - 21:02
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It used to be that you had to wait for a certificate of insurance to arrive. Thankfull, s 147 of the Road Traffic Act 1988 has been amended as follows:

QUOTE
(1A) A certificate of insurance is to be treated for the purposes of subsection (1) as having been delivered to the person by whom the policy is effected if—

(a) it is transmitted electronically by the insurer to the person in accordance with subsection (1B) below, or

(b) it is made available by the insurer to the person on a website in accordance with subsection (1C) below.

(1B) A certificate is transmitted electronically by an insurer to a person in accordance with this subsection if—

(a) on effecting the policy to which the certificate relates, the person agreed to its electronic transmission for the purposes of subsection (1) above, and

(b) the certificate is transmitted by the insurer to an electronic address specified by the person for this purpose.

(1C) A certificate is made available by an insurer to a person on a website in accordance with this subsection if—

(a) on effecting the policy to which the certificate relates, the person agreed to its being made available on a website for the purposes of subsection (1) above,

(b) the insurer makes the certificate available to the person by placing an electronic copy of it on a website, and

© the person is notified by the insurer, in a manner agreed by the person, of—

(i) the certificate's presence on the website,

(ii) the address of the website,

(iii) the place on the website where he may access the certificate, and

(iv) how he may access the certificate.


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Arash Trip
post Sun, 19 May 2019 - 07:55
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QUOTE (Logician @ Sat, 18 May 2019 - 21:56) *
It takes something like 5 days for the MID to be updated. If the car is already taxed, it stays taxed until DVLA are notified, despite what they tell you. If it is not taxed and you do it immediately it will not appear on the police website until the following day, so neither is instantaneous.

Thanks. so my question is can I drive after make the payments of tax and insurance straightaway or I need to wait until the websites have been updated?

QUOTE (southpaw82 @ Sat, 18 May 2019 - 22:02) *
It used to be that you had to wait for a certificate of insurance to arrive. Thankfull, s 147 of the Road Traffic Act 1988 has been amended as follows:

QUOTE
(1A) A certificate of insurance is to be treated for the purposes of subsection (1) as having been delivered to the person by whom the policy is effected if—

(a) it is transmitted electronically by the insurer to the person in accordance with subsection (1B) below, or

(b) it is made available by the insurer to the person on a website in accordance with subsection (1C) below.

(1B) A certificate is transmitted electronically by an insurer to a person in accordance with this subsection if—

(a) on effecting the policy to which the certificate relates, the person agreed to its electronic transmission for the purposes of subsection (1) above, and

(b) the certificate is transmitted by the insurer to an electronic address specified by the person for this purpose.

(1C) A certificate is made available by an insurer to a person on a website in accordance with this subsection if—

(a) on effecting the policy to which the certificate relates, the person agreed to its being made available on a website for the purposes of subsection (1) above,

(b) the insurer makes the certificate available to the person by placing an electronic copy of it on a website, and

© the person is notified by the insurer, in a manner agreed by the person, of—

(i) the certificate's presence on the website,

(ii) the address of the website,

(iii) the place on the website where he may access the certificate, and

(iv) how he may access the certificate.



So I can drive if I receive it electronically by email?
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samthecat
post Sun, 19 May 2019 - 08:22
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If you have received your insurance certificate then yes.

When you tax the car you will also get a receipt, keep it just in case you get stopped.


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If it looks like a duck, swims like a duck, and quacks like a duck, then it probably is a duck.
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DancingDad
post Sun, 19 May 2019 - 09:49
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You can drive it the moment a vehicle has tax, insurance and MOT.
If you tax online, you will get an email receipt.
When you insure, ask the agent to confirm by email or if you've done it online, keep the confirmation handy.
I've just checked and I had confirmation with policy details by email automatically for all my recent car insurances.
Gave basic details and that the full policy was available online, electronic equivalent of a cover note.
As far as I am concerned that made me 100% legal from the time stated on the email.
A copy of that is all you need to show the cops.

The police are aware that AskMid etc take a little time to update and that a newly purchased car may not show.
If you are pulled, you explain and show them what you have.
I very much doubt they will bother further.
The legal requirements are that you must have, not that the details must be showing on DVLA or Askmid
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southpaw82
post Sun, 19 May 2019 - 11:16
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QUOTE (DancingDad @ Sun, 19 May 2019 - 10:49) *
When you insure, ask the agent to confirm by email or if you've done it online, keep the confirmation handy.

Or just comply with the provisions I cited above.


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Any comments made do not constitute legal advice and should not be relied upon. No lawyer/client relationship should be assumed nor should any duty of care be owed.
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DancingDad
post Sun, 19 May 2019 - 12:23
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QUOTE (southpaw82 @ Sun, 19 May 2019 - 12:16) *
QUOTE (DancingDad @ Sun, 19 May 2019 - 10:49) *
When you insure, ask the agent to confirm by email or if you've done it online, keep the confirmation handy.

Or just comply with the provisions I cited above.

Fairly certain the "standard" confirmation does that.
This is the text from one of my latest...…

"Welcome to Hastings Direct
Thank you for choosing us for your car insurance.
We've uploaded your welcome pack with all the documents and useful information you'll need. Please go to MyAccount and view these documents. For now, here's a quick summary of your cover. "

Plus policy number, vehicle details and start date.


Certainly enough that I would be happy to show to a cop if needed and as far as I can see, complies with what you posted.

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southpaw82
post Sun, 19 May 2019 - 13:02
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However, an email from the agent saying “you’re insured” doesn’t.


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Any comments made do not constitute legal advice and should not be relied upon. No lawyer/client relationship should be assumed nor should any duty of care be owed.
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DancingDad
post Sun, 19 May 2019 - 13:09
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QUOTE (southpaw82 @ Sun, 19 May 2019 - 14:02) *
However, an email from the agent saying “you’re insured” doesn’t.


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