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#Post#: 97800--------------------------------------------------
Accident in un-taxed car in UK
By: Andrewc09 Date: November 12, 2025, 4:18 am
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I was involved in a accident this morning, not involving other
cars just my own with some barriers. After filing a insurance
claim I've realized that for the month I've had the car, it has
been untaxed. I believe my insurance claim will be rejected now
but wanted to know best way to proceed( tax car now or leave
it), contact DVLA etc to limit the expected fines or other
potential punishments. Thanks in advance for any help you can
offer
#Post#: 97815--------------------------------------------------
Re: Accident in un-taxed car in UK
By: JoCo Date: November 12, 2025, 5:19 am
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Well the first thing to check is your policy.
Your insurance may still be valid without tax. But different
providers have different rules.
Assuming your car is drivable, you'll need to get your car taxed
pronto anyway, or declare it off road.
There is no official grace period any more. Do it online now.
Late payment fine is £80. But there's a good chance you wont get
penalty at all. Worst case any penalty will be minimised.
I've taxed cars late before - but within a month of due date -
and had no follow up. The DVLA, I'm sure, are more worried
about habitual offenders etc.
#Post#: 97847--------------------------------------------------
Re: Accident in un-taxed car in UK
By: 666 Date: November 12, 2025, 6:41 am
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The FS Ombudsman has ruled previously that an insurer cannot
deny a claim on the grounds that a vehicle did not have a valid
MOT certificate. The lack of MOT did not in itself indicate that
the vehicle was "unroadworthy", or caused or contributed to the
accident.
I would expect the lack of tax to be treated similarly.
Should the OP's claim be rejected, he should seek relevant cases
on the FSO's website and draw them to his insurer's attention.
#Post#: 97895--------------------------------------------------
Re: Accident in un-taxed car in UK
By: NewJudge Date: November 12, 2025, 11:21 am
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Yes, insurers cannot rely on policy conditions which did not
alter their risk or contribute to an accident to deny cover.
Having no tax would have no bearing on a collision occurring.
They might as well say they will not meet a claim because the
driver was wearing a red jumper.
#Post#: 99254--------------------------------------------------
Re: Accident in un-taxed car in UK
By: ivanleo Date: November 21, 2025, 4:56 pm
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You insurance can't be void just because the car isn't taxed:
it's an offence to be the keeper of a car that is taxed and
uninsured, so by definition the insurance has to be bought first
before you can buy the tax.
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