The neighbours thought it was mine and were cursing me.

Maybe it is mine, i might have bought it on Ebay while under the influence of Buckfast or White Lightning.

Can you blame em for dumping it?

Nevertheless. Toxic might buy it off the authorities? .

Seriously though. If it wasnt any neighbours or anything, i would of shifted it to somewhere out of my way i think .

 

If you want it gone quickly then the best thing is to shift it so it's more in the way.

If the handbrake were to fail and it was blocking a road, then the police and council would get it lifted.

If you want it gone quickly then the best thing is to shift it so it's more in the way.

If the handbrake were to fail and it was blocking a road, then the police and council would get it lifted.

Thats true.

I was thinking more of pulling it into a field or something.

Farmer would soon get fed up and thatd disapear no problem. .

They can not be bothered to put a 'AWARE' sticker on it, and the Local Council 'Abandoned Car' person will not speak to Police Scotland or the Officer in the Station 1/2 a mile away.

 

Anyway time to call Police Scotland at the 15 pence Call Rate.

 

PS,

No Record at Police Scotland since 9th Nov and my Report, and then a call back to me on 19th Nov.

'If they passed it to the Council then that was that'.

I told the call handler that i called Police Scotland Twice since 21 Days after i Contacted Angus Council who had no contact with Police Scotland by the first week in 2016.

So its only an abandoned car, but it seems reporting one and getting action with Police Scotland is very low priority.

(Well unless it is one of my cars, and the DVLA would have a penalty charge on my mat quick enough.)

 

PPS

Council much more helpful and back on the case of disposal of the vehicle.

Edited 21 January, 201610 yr by GoneOffskiroottoot

The neighbours thought it was mine and were cursing me.

Maybe it is mine, i might have bought it on Ebay while under the influence of Buckfast or White Lightning.

Hahaha. .

You were probably bidding against Jack.

Bet hes not happy you got it :D

is it?

i've sold a few bikes like that. Guy turns up, likes it, gets pound notes out of his pocket or transfers money online (or on the phone to his bank)

happy days.

Off he goes.

I've also bought bikes in exactly the same way.

Actually, I sold my MKI vRS like that - guy travelled up from Crewe by train (I live in Glasgow) with the money in a brown envelope - I must have sounded honest enough that he trusted my description of the vehicle.

However a ) this was when road tax was still transferable b ) he phoned his insurance company to change the vehicle over when he was in my gaff and c ) he was a police officer so I expected him to be legal before driving off (although perhaps I shouldn't have been so trusting based on the last point ...).

Nothing wrong with leaving home with a plan to buying, paying and driving off in the new car, but I'd imagine you would chose any day other than one where everything is shut.

Re the O.P.

I cannot believe that if you have sold the car, and the buyer has driven away with it, that you are in any way responsible for any future use or actions regarding the vehicle, ('illogical' as Spock would say) at least so long as you have the buyers details and the v5 signed by the buyer, proof of sale, and fully paid.

 

The buyer would not have your insurance details to give out, would they?

 

However, common sense says cover your arse as regards all else, ie regarding ANPR, speeding, nicking fuel etc, and probably kindly ask the buyer for proof of self and address etc during the sale negotiation.

 

It would not make any difference if you have cancelled your insurance, or not. (Excluding needing it for your next vehicle).

 

It would have to be classed as 'hit by uninsured driver', as the driver was uninsured.

Edited 21 January, 201610 yr by Tilt

The buyer wouldn't need the seller's insurance details - it'll be on the MID as insured under the seller's motor insurance policy - in the absence of the operation of any other policy the seller's insurer may have to deal with any third party liability as the 'insurer concerned'.

That's why you should phone your insurer as soon as you have sold your car to inform them.

Edited 21 January, 201610 yr by Brian69

You aren't legally responsible for any criminal offences the new owner may commit, but there is still a risk that if they were involved in a crash, a claim could be made on your insurance. I'm on my phone now but will dig out a link to where this has happened.

http://www.honestjohn.co.uk/forum/post/index.htm?t=104401

Full Comp is not required on a car, not even 3rd party fire and theft.

 

Fully Comp is only required if the buyer wants to drive it under his own policy. At least thats what it states on my policy

Edited 21 January, 201610 yr by SuperbTWM

 it'll be on the MID as insured under the seller's motor insurance policy -

Agreed, but surely only applicable if the seller was driving.

 

If this scenario was presented to the seller (by way of database), then said 'seller' would (should) re-direct the claim to the buyer (possibly via the seller's own insurance company), passing on their details to the police and other concerned parties, and the insurance company and / or police should pursue the buyer.

 

I do not believe your own insurance company would pay out, on your behalf, if you were not driving and could prove the sale.

 

 

I will read the link above now, and may be proven wrong.

SuperbTWM,  that is your policy,

but a car / vehicle in the UK only needs covered by the minimum insurance required, ie 3rd party cover,  then the driver needs cover, 

the car policy does not need to be insured Fully Comprehensive. 

 

What someone with a Insurance Policy borrowing a car will depend if their Policy covers other vehicles.

But the car insured does not need to have Full Comprehensive cover.

I have now read the first bit of the link, and stand by all of what I believe in this situation.

 

It looks like I posted the first (or top) reply, Lol.

 

The O P states that the insurance says that "I" (ie the op) will have to pay, however it would be the insurance company paying, and therefore losing out if anything.

Sounds a bit boll to me..................Hey ho.

Edited 21 January, 201610 yr by Tilt

Agreed, but surely only applicable if the seller was driving.

If this scenario was presented to the seller (by way of database), then said 'seller' would (should) re-direct the claim to the buyer (possibly via the seller's own insurance company), passing on their details to the police and other concerned parties, and the insurance company and / or police should pursue the buyer.

I do not believe your own insurance company would pay out, on your behalf, if you were not driving and could prove the sale.

I will read the link above now, and may be proven wrong.

Unfortunately, that's not the way it works if the buyer doesn't have any insurance. The Motor Insurers' Bureau will look for an insurer to pin any third party liability claims on - if they can't compensation will have to paid from the fund that all motor insurers contribute to.

Edited 21 January, 201610 yr by Brian69

From someone I know who recently had exactly this happen to them (as a seller):

 

Buyer crashes car.

Police go to MID and get details of whichever company has issued insurance for the car. Note insurance company, not driver, registered keeper or owner.

Claim is put against the insurer, the same as normal. You deal with the insurer, right? You don't talk with the person who hit you.

Insurer has to pay, as that is what their purpose is.

Insurer then contacts the person who took out the insurance.

Finds they are not the current owner.

Seller now gets a tag of cancelled insurance they have to declare forever.

Seller gets into other legal and financial bother.

 

Fortunately, the person who had crashed it did have their own insurance so the process stopped before they paid out, but they did explain this process.

SuperbTWM,  that is your policy,

but a car / vehicle in the UK only needs covered by the minimum insurance required, ie 3rd party cover,  then the driver needs cover, 

the car policy does not need to be insured Fully Comprehensive. 

 

What someone with a Insurance Policy borrowing a car will depend if their Policy covers other vehicles.

But the car insured does not need to have Full Comprehensive cover.

 

 

All down to policy wording, some DOC clauses do not require the 'other car' to have it's own insurance, for the purpose of the car being insured on the road it'll cover the legal side of things, it'd just be a huge pain if going through ANPR cameras etc. There was a link to a court case on Pistonhead with a long thread about it. The majority do need it to be insured in it's own right but not all. 

How did that enable you to get valid VED on the car?

  Bought it from a Skoda dealership, 5 days complimentary insurance and tax included in the sale, just happens that I was at work for the 4 days after that and the fifth day was Saturday, the insurance company was open until 12 on Saturday but I didn't know this and called at half 12.

Nothing wrong with leaving home with a plan to buying, paying and driving off in the new car, but I'd imagine you would chose any day other than one where everything is shut.

Unless you work during the week in which case you have no choice.

As for the OP, I guess it's all down to how much risk you're prepared to take. When I bought my latest car I test drove it without the seller even asking for any proof I was insured, I then checked it was still insured in his name so I could drive it on my DOC clause to get it home (my policy requires this). Again, he didnt ask for proof or anything. I'd guess the majority arent aware of the possible issues if it all goes wrong. 

I read of 1 example that may still be unresolved, it's about a bloke that sold his bike and the new owner didn't have insurance. The new owner then had an accident where he was killed. Because the original insurance was still active the original owners insurance company  were/are now trying to recoup their losses from the original owner as he failed to notify them and cancel the policy. It's on the visor down website search paul duffy insurance on tinternet as I can't post the link for some Microsoft reason....

Unless you work during the week in which case you have no choice.

 

I guess we all think differently, but there is also Saturday.

 

Buying a car for most of us is a relatively infrequent occurrence so if taking a half days holiday made life easier then that wouldn't too much of a hardship for me.

 

I've also found most of the major insurance companies are actually open on a Sunday, I'm with Admiral for example...

 

Monday - Friday 8am - 9pm

Saturday 9am - 5pm

Sunday 10am - 4pm

SuperbTWM,  that is your policy,

but a car / vehicle in the UK only needs covered by the minimum insurance required, ie 3rd party cover,  then the driver needs cover, 

the car policy does not need to be insured Fully Comprehensive. 

 

 

Yea that was my point in my first post, the past 4 or 5 people that have come and paid cash for cars have just drove off without contacting insurance company first probably presuming they were covered under another policy which they were not as i had already cancelled my insurance. They can't have arranged it before hand because they can't of known whether they were even buying the car. So maybe they were ignorant to the insurance laws or just plain stupid

If you sold a car on a Sunday where my current insurer closes at 2pm! If i sold a car at 4pm what are you actually meant to do because i wouldn't say i cant sell you it till i cancel my insurance tomorrow for them to then walk away from the deal.

Why does it matter, cancel your insurance on the Monday morning first thing. There's no need to cancel immediately if they are shut, then they're shut. You commit no offences and are liable for no offences once the new owner buys the car. Just date and time the receipt and have them sign it.

Be sure you have cancelled your Insurance Policy before allowing them to leave with the vehicle which has now no VED valid on it.

You still can be considered as being the Registered Keeper.

So best be sure the buyer shows you some proof they have Insured & Taxed the car before it leaves your keeping.

It makes no odds to the seller if the buyer chooses to be legal or not. It's their responsibility and all comeback will fall on them re VED and insurance etc. Besides, dvla or the VED database is never that far up to date. It's always a few weeks out.

I'd just take the money, give them the keys and say cheers mate, safe journey home!