Owning a Car In The UK - How Does It Work? (Buying, Selling, Tax, Insurance, MOT, Etc)

[@warrickpercy7177]

South African that has just moved to the UK - This was incredibly useful. Thank you!

[@m.stachnime9899]

Me too... Have you seen how insurance is Soo costive?

[@ArcadeCabNBud]

youll feel right at home here in the uk, we have the whole world living in our country, its so wonderful...

[@jrgboy]

My car insurance went up £40 this year, I gave the company a quick call & it went down £40, a lot of firms rely on people just accepting quotes without asking for an explanation..

[@nickenwillie0]

A huge thanks for sharing your knowledge!

[@pembelajaranasesmennumeras1591]

www.tundungmemolo.com/2020/09/8-steps-how-to-buying-car-in-united.html

[@StephenButlerOne]

Our second hand cars are cheaper than the rest of the eu, mainly because of supply and demand. We can only sell our rhd cars on our small island. So supply far out strips demand. That's why you can get some great buys for a grand.

[@petayV8]

I am British living in USA for 6 years. Just wanted a update on stuff over there haha. Only thing ide add is in USA the vehicle is insured not the driver so less restrictions on who drives what, so if your visiting the UK this might be useful info

[@paulbornuat5655]

I am looking to come to the UK from France, so your video was very helpful, many thanks!

[@joyantony0000]

We don't need you as we're full already 😉😋

[@lloydvehicleconsulting]

Very interesting video, hope that the overseas viewers appreciate it!

[@pembelajaranasesmennumeras1591]

www.tundungmemolo.com/2020/09/8-steps-how-to-buying-car-in-united.html

[@StephenButlerOne]

Age and location is the biggest factor when it comes to insurance price. Since 2001 when I turned 25 (got full no claims), I've never had a quote of over 300 (for first year) doesn't matter what I insure or look up Alwasy between 280-350. 2 years ago I insured a 2005 ka for 120,for my girl to learn in. Then she took over the insurance (1700). Even in 1996 I tried to insure a cavalier gsi and that was "only" 1700. I didn't bother and bought an 1991 escort van. That cost me 700, to insurer in Liverpool, I moved to North Wales and the year after it was 400. Once I hit 25, its been a steady 300. That's form a 97 rover 420 sli to a gtc and now a Leon 190. All around £300pa.

[@elliot438bcfcVTEC]

Basically if you are young or have no no claims bonus or worse both, you are going to get screwed on insurance unless you like 'black boxes' or 'fronting' another driver on your policy or just lying about other things to your insurance which would leave you screwed if you ever needed it. Classic car insurance is generally cheap though. Only £170 for the year on my modified MK1 Eunos

[@stavross001]

Here in Ireland, annual road tax on my '06 E46 M3 is €1,809 per year 😣

[@solitudebronx59]

Thank you so much. That's exactly what I was looking for

[@pembelajaranasesmennumeras1591]

www.tundungmemolo.com/2020/09/8-steps-how-to-buying-car-in-united.html

[@DaveJudd]

You forgot to mention classic cars don't need Mot or road tax and insurance is cheap.

[@StephenButlerOne]

Yes buy an old porsche or ferrari and (apart form up keep) cheaper than a hatchback to keep legal.

[@robbo777cricket]

I (almost) daily drive a 1974 daimler sovereign. absolutely brilliant, and the insurance was the same price as an Audi A3.

[@NubletPie278]

Shirt game has gone next level

[@pembelajaranasesmennumeras1591]

www.tundungmemolo.com/2020/09/8-steps-how-to-buying-car-in-united.html

[@jameslove888]

Real pedantic point, but the MOT rule isn't the same across the UK. In Northern Ireland, it's after four years rather than three.

[@ctrmint]

James Love Isle of Man has no MOT either, though we could get into an argument as to whether that’s the UK, which I knows it isn’t, technically..

[@Scrubworks]

@@ctrmint Same as Jersey, no MOTs, or road tax, just insure and go. I believe Guernsey is the same.

[@samfisher1890]

I want to buy a car and drive it to my house which is around 2-3miles away. The car has no MOT INSURANCE ROADTAX however I will be parking it on private land. Now is there any way to do this without getting insurance etc, without towing

[@JayEmmOnCars]

Not legally

[@mittyahmed7362]

Yh tow it for about £40

[@ziaglos]

Awesome video Jay 👍👏👏

[@imnotamechanic3491]

Don't think you explained the tax system particularly well, although it is complex, really you need a visual, or at the very least the info in front of you. The old system (upto 2001) was engine size based, cars under 1650 cc qualifying for the cheaper rate of around £130, and those over being around £250 (don't know exactly, havent checked for years), then from 2001-17 it was CO2 based, with the cleanest cars (under 100g/km) being free, those under 120g/km being very cheap (£20-30) and anything over that starting around £130 going up the more CO2 it produces, with the caveat that as they added more bands in 2006 cars upto 06 are no more than £305 a year, but the most expensive is £550 after that. From 2017 all cars are £140 a year, except new cars, but thats effectively a sales tax theyve utilised the car road tax system to implement, then as you say £40k+ cars do incur an additional premium. Basically, depending on your choice of car it can cost you no tax, or a huge amount, and you rightly mentioned that this has an impact on values, as a 2006 car might be worth £1200 but need another £550 to be spent just to drive it on the road.

[@JayEmmOnCars]

My intention wasn't to be super comprehensive but to give people a rough idea. I did miss out classics a bit as they also get complex quickly

[@justo9564]

This video would be much more better if the video would be divided in chunks like: "buying a car" from minute 3 to 5 for example (I don't know if this is the case). I'm telling this because I'm not a UK resident or whatsoever, but I heard a youtuber say that the insurance system in the UK it's rather expensive or something like that. So obviously what I'm interested in is how is to own a car in the UK and how does the insurance system work.

[@lloydvehicleconsulting]

Just a couple of slight corrections: the new car tax bands changed on 1st April 2017, not 2016, and in addition to the surcharge for vehicles with a list price of over £40,000, there is also a surcharge for diesels which do not meet their emissions targets (this can vary somewhat). There may be other surcharges as well, seemingly as and when the government feels like it! From the mid-1990s and up to March 2001, tax was based on engine size, one rate for up to 1.5 litres and one for over 1.5 litres. This remains in place to this day as a legacy for anyone buying a car from before 2001. Any car over 40 years old, of course, does not need tax or an MOT (although you need to apply for an exemption before it is granted), and does not pay for the London Ultra Low Emission Zone! Many sensible people with such old classics do still have an annual MOT, though.

[@StephenButlerOne]

I was amazed when I checked to see if my 2015 2l diesel GTC would pass the London low emission tax and it failed. I bet that caught alot of locals out big time. Wasn't it sold as a way to get ten plus year old out of the city? Anyjow my car was up for renewal and I got a petrol for the first time in 15years. Its relatively powerful, (leon st fr 190) and nippy, but god I miss the torque.

[@lloydvehicleconsulting]

@@StephenButlerOne I changed my 2014 diesel Chevrolet Cruze in 2017 for exactly the same reason. It fell foul of the legislation by about a year, which was very irritating... My petrol Seat does get around the same economy, though, which is reassuring, but nowhere near the same performance as yours!

[@StephenButlerOne]

@@lloydvehicleconsulting with that performance it come at a cost of mpg. Though the gtc diesel only ever got 36mpg (my old laguna only 110bhp got 55mpg every month), the leon is currently at 34mpg, so with the 10p difference in fuel cost. Its actually cheaper to run. However my biggest annoyance with both the gtc and worse the Leon is the small fuel tanks. 45litres is a joke, for a mid 30s car. I struggle to get 380miles out of it. I loved the laguna for its 75 litre tank an 55mpg. It would do 65-70mpg on long trips meaning a 1000miles a tank was possible. Though at that time petrol was high £1.40s so it would hurt filling it up. I'll add I hate visiting fuel stations so I'll run a car till the light comes on (then some), then fill it full. I cba with this £20 a go nonsense some do (my mother for one). I'd rather bight the bullet and fill it.

[@derekward2266]

Very informative! Cheers!

[@TORNADOP.CAMARA80]

Hi I just buy a car but is don't have MOT and car TAX what I have to do because I have book for mot but I can't drive because no tax To book car tax need mot please help 🙏

[@saukhyadinesh1963]

Very informative , Thanks a lot...

[@pembelajaranasesmennumeras1591]

www.inobelmatematika.com

[@solagesture.9982]

if your car road tax is due, and you'd been clamped, make sure you can pay it out online. However, make sure you sit and watch over your car after your car until the clamp is release because these dvla are heartless, untruthful, dishonest morons that after you'd paid, they're still coming to tow your car away except if they meet you with the car. Two days ago this happened to me, I bought my car on sunday, two days to the day it was clamped. I was clamped late in the night, and it was so cold and unexpected. I 've never bought a car untaxed, and I didn't see this coming. Believe me I asked the dealer so that I know every detail on this car but he told me that everything was intact. I would only tax this vehicle for £20, why would I want to risk being intimidated by dvla rogue workers? I couldn't sleep throughout that night, I knew what these people are up to, this is my third car being stolen by the council, bailiff and now came the dvla (I believe these people or say corporation including the police) all work together. I called the police on this matter, and what I heard from the police officer who spoke with me made me cry not only for the situation but the world where my children would grow in. For a person {or police officer} to talk and said that she doesn't mean to be 'mean' indicates that she realised that she's being 'mean'. VERY SAD! The receptionist told me they may be coming that morning to release the clamp but not sure of the actual time, and that I should call the other office. As I called the other office, the nasty piece of work receptionist told me it would be later in the afternoon, and she doesn't know when; Well I came to realise their logic, all the confusions were to let me leave the car unattempted to and they could tow the car before I was back. To cut a long story short, the dvla tow-driver came out of his truck with the hope that I wasn't in the car and he would tow the car {mind you he now came a few minutes after the last receptionist told me that the car would be declamped in the afternoon}. Being towed would enable them to charge more money, and opportunity to sell the vehicle. I was waiting at the back of the car but I lied down because I was frozen to death, I thank God I looked up, and here I saw his tow truck and him taking a photo of the sign board around. When he saw me he jumped, he wasn't expecting to see me; I took out my phone to take his photo, and asked him some few questions but he didn't alter a word back to me. This dvla bastard rogue wanted to steal almost £5k car just like that after I'd paid them overnight, and all it's needed was to release the vehicle . UK isn't a pleasant and happy country to abode anymore, too many corrupt, dishonest corporations, and greedy individuals operating here and there. May God's Kingdom come!!!!!!!!!

[@thecountrylad]

sponsored by shiteshirts

[@m2kev789]

Think James shops in the Curtain shop for his shirts?🤣

[@evergreentreekennel3681]

Definitely subscribed 💪🏻

[@gascans801]

James. Your 29. Damn you had a big paper round

[@konm]

Are LHD cars cheaper in UK ? Is it easy to find one and how often they are listed?

[@AdamNicholsMusic]

If you're working abroad but planning to move back to your parents house in the UK in a few months are you able to get a car on finance in the UK whilst still abroad ready for when you are back?

[@bosco7455]

Thanks buddy, your video was really helpful.

[@r5k]

How do you deal with the insurance for review car's?

[@elliot438bcfcVTEC]

Has insurance that covers driving other cars not owned by him? I even had this on my policy when I was 22 and was an extra couple of quid to make it fully comp on any other car I drove

[@r5k]

@@elliot438bcfcVTEC he says he has this third party, but I was assuming he doesn't drive other people's cars third party. Would the insurance cover fully comp on any car never heard of that

[@JayEmmOnCars]

I am insured on other cars fully comp up to 20k, third party over that. I am trying to get a better trade policy but they are hellishly expensive

[@r5k]

@@JayEmmOnCars thanks, I wondered if you used something like day insurance.

[@clearcorp9938]

I paid £3000 insurance on a 55 plate Astra when I was 18. It was only a 1.6 L and with a black-box. Fast forward 3 years and with 3 yrs NCB i'm still being quoted 2.5k. It is a ridiculous amount of money to be paying when I look back at it. I never found these price comparison websites to be helpful if i'm honest, the broker I am with now does my insurance for £800 a year tops. Just wish I could get the money back that I paid for insurance to spend on a car!

[@Rasheed9]

What broker do you use?

[@clearcorp9938]

@@Rasheed9 a private one, their number is 07474110195 - message them on whatsapp and they should give you a qoute.

[@Rasheed9]

Clear Corp cheers!

[@m.stachnime9899]

Man are you a foreigner?

[@dasreich5126]

Good luck getting insurance with an American driving license. You'll have to trailer it if your shipping it to the U.S. Very costly. Been through it.

[@roshangomez]

Watching from India 🍻

[@owhoedeenodano374]

Hi just moved to Aberdeen with my family, need a car for a family of 4. In terms of reliability what brand and which is best petrol or diesel?

[@chrismonty69]

OMG i had to laugh when you said "we have trains and busses that work" sorry but the UK has one of the worst public transport infrastructure in the whole of Europe. Keep up the good work with the videos.

[@JayEmmOnCars]

By American standards, we are some sort of utopian society for public transport

[@chrismonty69]

@@JayEmmOnCars is it really that bad in the states?

[@JayEmmOnCars]

Yes

[@chrismonty69]

@@JayEmmOnCars wow and that is saying something because the Uk is terrible 😮

[@JayEmmOnCars]

The UK is fine if you are in a city or large town. Otherwise yeah its not great but better than many others

[@michaelstevens3479]

I pay £550 tax for 2.4 d a van pays £250 but the van could cover three times more miles than me.Who works these things out?

[@dragonskunkstudio7582]

I hear things I don't understand, please explain: I just bought this car and it has 3 months of MOT. You can get an MOT for this car for 20 quid. Short MOT.

[@AfjeerOf]

You need to bring your car to a government approved garage test every year to check if the vehicle is secure to use on public roads. If you car is safe, you are given 12 months until you have to re-test it. In this case, you buy a car that has 3 months left until you need to bring it for a garage test.

[@dragonskunkstudio7582]

@@AfjeerOf I see, it doesn't start on the day of purchase.

[@AfjeerOf]

Dragon Skunk Studio Not if it’s used. It would be to easy to sell a faulty car.

[@uzzalraiser9508]

Hello sir,I’ve bought a car 3 days ago from private dealer. But I’ve tried to do online to register on my name,problem is system says ref. Number invalid,then later I’ve sent from post office to dvla the page new keeper details and I’ve taxed it as well. HPI cleat 100%. There is anything that I’ve to worry about the logbook ?? Just for peace of mind

[@phantommc5853]

If im living in a contry in europe and come to uk and buy a car,the car is going to be tested in my contry or uk?

[@andrewmckenzie4420]

Jay, is there a minimum age to have your name on a v5 document?

[@JayEmmOnCars]

You know I don't think they check - there isn't a legal age to *own* a car, just ages to use it

[@andrewmckenzie4420]

JayEmm on Cars ok 👍 Hank’s for quick response 😀

[@vanceshaw3675]

Very interesting TY

[@mamukamakaradze5881]

Great video. 👍

[@co2588]

Hi Jay. Thanks for the vid. I'm in Australia and just bought a car in the UK. I am bringing it out here but there are some issues that are a little confusing. How do I prove that I now own the car? Do I need to do v5 to change keepers then once issued with the new V5, do I need to fill the export section? Any help is appreciated. Thank you

[@jordan95budd]

My dad insures his 348 Ferrari for £94... Lucky bugger

[@jonhancock1335]

This luxury car tax is in my opinion crazy and it’s certainly made a difference in my choice of recent car. Luckily I brought a car registered 2 weeks before which costs me £30 per year rather than £450! I really feel it’s total war against us drivers 😢

[@jameslove888]

My Dad had the same thing. His 5 Series is £30 tax. If it'd been registered a few weeks later, £450. Seems a bit unfair, you're being punished for having a nice car. Already paying a good amount in VAT on it, don't see the need for another layer of tax on them.

[@StephenButlerOne]

@@jameslove888 I think the luxury year. is just for the first year.

[@NubletPie278]

@@StephenButlerOne It's the first 5 years

[@jameslove888]

Stephen Butler it lasts for five years

[@jonhancock1335]

James Love Exactly. Basically £2.4k for having a nice car. The real joke is nobody pays the full list price! Most 40k cars can be had for 35k or even less. BMW can be brought for 25% less than list. I managed 28% on a M140i so maybe it’s time for the manufacturers to start being realistic in their pricing but I won’t hold my breath.

[@DC-ts6og]

£1.15... for petrol in 2019... yeah, I wanna use time machine now!!

[@lildoc]

Hi, I have couple of questions regarding UK road tax: a) I read somewhere that people buying cars costing more than £40,000 now have to pay a premium rate of £325 on top of the standard VED from year 2 to year 6 of ownership. Does this rule apply to buying a used car as well? What if I buy a 3-year old used car (newly priced at £55,000) for £33,000? Will I still have to pay the premium rate for next 3 years? b) I also read that cars registered from 1 March 2001 to 1 April 2017 will still be subjected to the old road tax system based on CO2 emission rate. So if the above mentioned car was an e-hybrid version and registered in March 2017, will I pay road tax according to the previous system? Which is zero because it's emission rate is less than 100g/kg! Sounds too good to be true! Thanks in advance.

[@PuiberMihai]

???

[@ShanePleasance]

Refreshing to hear there was something your government DIDN'T charge you for.

[@pembelajaranasesmennumeras1591]

www.tundungmemolo.com/2020/09/8-steps-how-to-buying-car-in-united.html

[@daveyerbury]

James, I often wandered what you do for insurance when driving cars loaned to you for review. Do you just live with the 3rd party only cover or do you have some other type of arrangement?

[@JayEmmOnCars]

I now have a policy covering fully comp on vehicles up to 20K. Some other cars can be insured temporarily, but it is usually prohibitively expensive to do. I typically drive the cars for less than half an hour.

[@prestigeproduction57]

Can someone help me with this ?

[@ow_reezy]

He looks like elma the elephant from the book

[@flyingmalkie4346]

I thought MOT was motor ordinance test lol

[@hasnainaltaf5075]

He kinda looks like James Corden

[@Siara87]

29? O.o I have thought you were 4x

[@transtibialog9248]

Thats cheap insurance for a M3 😅

[@ArnoSchmidt70]

My guess is that normal UK citizens will use substantially more horse and carriage after leaving the EU.

[@MrKeyboardCommando]

We won't have the fodder to feed the horses‼️😢😢😢

[@andrewnorris5415]

The universe will fold in on itself. Terrible things will happen.

[@MrKeyboardCommando]

@@andrewnorris5415 I'm not absolutely sure about the universe, but terrible things will most certainly happen‼️💀💀💀

[@redyellowpink01]

We'll have eaten all the horses don't be silly

[@DaveJudd]

We're going green,but there are plans to start making the Morris oxford again.

[@Plane_For_All_To_See]

Just to make everyone aware nobody owns a car in the UK, you are basically a registered keeper.

[@JayEmmOnCars]

Lots of people own a car. But many also technically don't if it is through a finance deal but that is not a UK specific thing

[@Plane_For_All_To_See]

@@JayEmmOnCars If you take a look at your V5 Registration document does it say you are the 'owner' or 'registered keeper' ?

[@Jabber-ig3iw]

Plane For All To See the V5 is proof of you being the registered keeper, you own the car at the point you hand over the money and are given a receipt, you own it in the same way you own anything else you buy.

[@Plane_For_All_To_See]

@@Jabber-ig3iw It's a type of legalise language, you are signing paperwork to become the registered keeper and not owner, hence when you commit an offence like parking on double yellow lines, or not paying and displaying, the government can legally tow your car away and inpound it.

[@JayEmmOnCars]

Signing over a V5 and buying a car are two different things