Advise On Buying Aygo & Collection It For A Birthday Present

[MccLtd]

What a pain this appears to be.

I have bought an Aygo for my daughters 17th (24th september) and want to pick the car up on the 10th september.

Trouble is as I have bought the car and put it in her name I cannot get it insured because she is under 17 at the moment.

So I asked if I can insure it but I cant as i'm not the registered owner.

Toyota can bring the car to me on trade plates, but now I am being told I have to declare it as sorn and send back the tax disk.

The stupid thing is its going to be picked up 14 days before its her birthday are there any ways around this?

Otherwise I will then have to undeclare it as sorn, get it insured and then get the tax disk again.

[jjj_aygo]

the only way around this is to collect it on her birthday with her and valid insurance,

If the garage won't keep hold of it for you then you will have to have it delivered and declare it SORN as it won't have any insurance.

If you wanted to risk it, and I cannot in any way advise you to do anything illegal, by the time you have sent off the documents to swansea to delcare it SORN, you will be that much closer to your daughters birthday.

In certain circumstances such as yours, the new laws about not having insurance and declaring it SORN can be a pain, but ultimately it will make it harder for people to drive around uninsured.

[MccLtd]

thanks for the reply.

The only way the garage can recommend to do it is to register it in my name then transfer it over. They said it wont effect the resale having the extra owner. Never does effect ittill you go to them to do a part ex then you get less for the amount of owners.

[daveyjp]

"So I asked if I can insure it but I cant as i'm not the registered owner"

You asked who?

You don't need to be the registered keeper to insure a vehicle, my mum is the main policyholder on my dad's car, she isn't the registered keeper and she isn't the main driver, but it keeps her NCB alive as she no longer has a car. next year it swaps back to my dad to keep his NCB alive.

[MccLtd]

I asked my insurance company if they could insure me for a month on the car but they said no as I was not the vehicle owner.

Maybe I should try someone else then?

[Jan van de Wouw]

Since I'm not form the UK, can someone telle me what SORN and NCB is?

I think NCB is No Claim Bonus, but SORN? Google ponts me to a Statutory Off Road Notification, but from what I

understand this also implies you can't have the car in question even sitting in plain view from a public road...

[Parts-King]

You cannot own a car and not have it insured UNLESS you SORN it

http://www.direct.gov.uk/en/Motoring/OwningAVehicle/Motorinsurance/DG_186696

Those regulations came in at the end of June, it has to be one or the other, you risk a £100 fixed penalty, even if its locked in the garage

Kingo

[Jan&tone]

Since I'm not form the UK, can someone telle me what SORN and NCB is?

I think NCB is No Claim Bonus, but SORN? Google ponts me to a Statutory Off Road Notification, but from what I

understand this also implies you can't have the car in question even sitting in plain view from a public road...

Correct for both acronyms.

However a recent change in the UK means that your car MUST be insured, even if in the garage for a long period, unless you declare SORN. The idea is to stop uninsured drivers, the problem being that the authorities use the DVLA records (driving and vehicle licensing agency) and the criminal element obviously have not registered their cars so the police cannot find them!

So if you haven't registered with the DVLA or declared SORN and not insured the vehicle then you won't earn an NCB

[Jan van de Wouw]

Ah, I get it now: SORN is equivalent to the Dutch "geschorst". It's meant for vehicles that aren't used,

but are roadworthy. You have to pay taxes and insrance, unless the car is "geschorst"...

I also understand the hassle MccLtd is facing now.

And on that note I agree with jjj_aygo: leave it at the dealer untill the actual birthday.

[MccLtd]

Looks as thou I'm going to have to.

Wanted to fit reversing sensors and a few other bits to it before her birthday but looks as thou she will have to wait.

I understand why they do it but you would think there would be an option for me to obtain it earlier by paying something.

[jjj_aygo]

I have no doubt that she should be over the moon with the fact that you have bought her a brand new car and she shouldn't mind waiting! Good luck with it all

[Jan&tone]

What about you insure the car to enable you to collect it, then change to her name when you collect the car? AFAIK there is no regulation that says you have to be the registered owner to insure a vehicle. Try going to a proper insurance broker rather than that stupid idiot singing on the TV or meerkats who should be eating bugs, not selling insurance!

See post #13, I stand corrected! Looks like your only option is to ask the dealer to keep it till her big day!

[grinner82]

Yes other people can have insurance on a vehicle they do not own, however the law has changed and the reg keeper must have insurance, for the vehicle to be legal.http://www.direct.gov.uk/en/Motoring/OwningAVehicle/Motorinsurance/DG_186696

SO no way around it unles you put it in your name.

[Dinky_05]

if someone bought me a car for my 17th anything they said in terms of apologies for not fitting sensors would be lost on the wind! you'll probably have to wait until it runs out of petrol before you get a chance to do any of those jobs, which will be a while!

[bitzer15]

How about a specialist temporary insurance cover company such as day insure My link. You would need to check the small print but they might be what you need.

[MccLtd]

Well I have tried every route I can think off now but it appears physically impossible to Buy a Car from a reputable dealer for someones birthday and get it home to get it ready for a Surprise before their 17th Birthday if you put it in their name.

They cant tax it without my daughter insurance certificate of which has to be dated from her birthday as she is not 17 yet, meaning the car isnt insured before her birthday.

I can get it insured but again cant be taxed as the cars registered in her name.

Makes you laugh when you hear about some many cars on the road not tax or insured, HOW?

Ohwell, just going to be a mad rush on her birthday now.