05.24
Before you can tax your vehicle you must have suitable insurance cover in place and if needed, the vehicle must be MOT tested. The wrong insurance cover, an overdue MOT, insurance certificates that are incorrect, misplaced or late arriving, these can all stop you from taxing your vehicle on time.
Insurance cover needed to tax your vehicle
In order to tax your vehicle, you must have insurance cover that:
* covers you against third party claims for death or injury and damage to property caused by using the vehicle
* covers your use of the vehicle for taxing purposes
* is valid on the day the tax disc comes into force
The insurance policy for your vehicle may allow you to drive any other vehicle with the owner’s permission. However, your policy can’t be used as evidence of suitable insurance to tax any other vehicle.
If your insurance cover for taxing purposes isn’t clear, you may need to provide additional evidence. Please contact your insurance company for advice.
Insurance certificates and cover notes
These are usually a printed or laser-printed document, or a plastic credit card style document.
Insurance certificates downloaded directly from the internet by the policy holder are acceptable from 30 April 2010 (this applies to GB only). Fax copies are also acceptable.
The following documents aren't acceptable:
* policy schedule
* renewal notice
* receipt for payment
* amended certificate or cover note - unless stamped or initialled by the insurer
* ‘legal protection’ policy certificates
* foreign certificates
* photocopies
* Green Card (International Motor Insurance Card)
Lost, stolen or damaged insurance certificate
Get a duplicate insurance certificate or cover note from your insurance company.
Waiting for your insurance certificate to arrive in the post or update online
You can't tax your vehicle until your insurance certificate arrives or your insurance cover for your vehicle has been updated on the Motor Insurance Database. You must keep your vehicle off the road in the meantime.
If you are taxing your vehicle using the DVLA’s vehicle online service, then you’ll need to wait until MID has updated before applying. You can check online to see if your insurance has updated.
* Check your vehicle is insured - Askmid Opens new window
If you want to tax your vehicle at a DVLA local office or Post Office® branch, you’ll need to take your insurance certificate.
MOT due dates
An MOT test is needed every year for:
* cars, motorcycles, motor caravans and light goods vehicles that are more than three years old
* passenger carrying vehicles with more than eight seats and taxis (not including private hire vehicles) that are more than one year old
Find out when your MOT is due
Check the expiry date of your current MOT online or by calling the ‘MOT status check service’ on 0870 330 0444.
* Check an MOT record online Opens new window
MOT test certificate
You must produce an MOT test certificate that’s valid on the day the tax disc comes into force. A certificate that expires on the last day of the month eg 30 April can’t be used if the tax disc is to start on the first day of the following month eg 1 May. The certificate must be original, a photocopy is not acceptable.
Lost, stolen or damaged MOT certificate
Get a duplicate from any MOT testing station for the fee of £10. You’ll need to provide the vehicle registration mark and reference number shown on your registration certificate (V5C).
Claim exemption from MOT testing
If your vehicle is exempt from MOT testing, you’ll need to fill in form V112 ‘Claim for exemption from MOT testing’ to produce instead of the MOT certificate. A list of exempt vehicles is shown on the V112 form.
* Download ‘Exemption from MOT testing’ - form V112 (PDF, 152K)
* Help with PDF files Opens new window
MOT or insurance has expired
If you intend to renew your vehicle tax you should do so before your current tax disc expires. However, this isn’t always possible if you are waiting for insurance or getting an MOT for your vehicle.
You’ll be committing an offence if you use or keep your vehicle on the public road without a current tax disc. If you can’t get a tax disc, you must remove your vehicle off the road.
You’ll have 14 days to get a tax disc or make a SORN, while your vehicle is off the road.
Driving an untaxed vehicle to an MOT test
You can drive your vehicle to and from a pre-arranged test at an MOT test station as long as you have adequate insurance cover in place for the use of that vehicle.
This is also for vehicles being driven to and from a pre-arranged test at a Vehicle Inspection Check (VIC) test station, an approved weight testing station and reduced pollution test.
Insurance cover needed to tax your vehicle
In order to tax your vehicle, you must have insurance cover that:
* covers you against third party claims for death or injury and damage to property caused by using the vehicle
* covers your use of the vehicle for taxing purposes
* is valid on the day the tax disc comes into force
The insurance policy for your vehicle may allow you to drive any other vehicle with the owner’s permission. However, your policy can’t be used as evidence of suitable insurance to tax any other vehicle.
If your insurance cover for taxing purposes isn’t clear, you may need to provide additional evidence. Please contact your insurance company for advice.
Insurance certificates and cover notes
These are usually a printed or laser-printed document, or a plastic credit card style document.
Insurance certificates downloaded directly from the internet by the policy holder are acceptable from 30 April 2010 (this applies to GB only). Fax copies are also acceptable.
The following documents aren't acceptable:
* policy schedule
* renewal notice
* receipt for payment
* amended certificate or cover note - unless stamped or initialled by the insurer
* ‘legal protection’ policy certificates
* foreign certificates
* photocopies
* Green Card (International Motor Insurance Card)
Lost, stolen or damaged insurance certificate
Get a duplicate insurance certificate or cover note from your insurance company.
Waiting for your insurance certificate to arrive in the post or update online
You can't tax your vehicle until your insurance certificate arrives or your insurance cover for your vehicle has been updated on the Motor Insurance Database. You must keep your vehicle off the road in the meantime.
If you are taxing your vehicle using the DVLA’s vehicle online service, then you’ll need to wait until MID has updated before applying. You can check online to see if your insurance has updated.
* Check your vehicle is insured - Askmid Opens new window
If you want to tax your vehicle at a DVLA local office or Post Office® branch, you’ll need to take your insurance certificate.
MOT due dates
An MOT test is needed every year for:
* cars, motorcycles, motor caravans and light goods vehicles that are more than three years old
* passenger carrying vehicles with more than eight seats and taxis (not including private hire vehicles) that are more than one year old
Find out when your MOT is due
Check the expiry date of your current MOT online or by calling the ‘MOT status check service’ on 0870 330 0444.
* Check an MOT record online Opens new window
MOT test certificate
You must produce an MOT test certificate that’s valid on the day the tax disc comes into force. A certificate that expires on the last day of the month eg 30 April can’t be used if the tax disc is to start on the first day of the following month eg 1 May. The certificate must be original, a photocopy is not acceptable.
Lost, stolen or damaged MOT certificate
Get a duplicate from any MOT testing station for the fee of £10. You’ll need to provide the vehicle registration mark and reference number shown on your registration certificate (V5C).
Claim exemption from MOT testing
If your vehicle is exempt from MOT testing, you’ll need to fill in form V112 ‘Claim for exemption from MOT testing’ to produce instead of the MOT certificate. A list of exempt vehicles is shown on the V112 form.
* Download ‘Exemption from MOT testing’ - form V112 (PDF, 152K)
* Help with PDF files Opens new window
MOT or insurance has expired
If you intend to renew your vehicle tax you should do so before your current tax disc expires. However, this isn’t always possible if you are waiting for insurance or getting an MOT for your vehicle.
You’ll be committing an offence if you use or keep your vehicle on the public road without a current tax disc. If you can’t get a tax disc, you must remove your vehicle off the road.
You’ll have 14 days to get a tax disc or make a SORN, while your vehicle is off the road.
Driving an untaxed vehicle to an MOT test
You can drive your vehicle to and from a pre-arranged test at an MOT test station as long as you have adequate insurance cover in place for the use of that vehicle.
This is also for vehicles being driven to and from a pre-arranged test at a Vehicle Inspection Check (VIC) test station, an approved weight testing station and reduced pollution test.
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