An insurance expert says the problem is that after the visual daily reminder was lost, the DVLA hasn't done enough to tell people when they need to pay. When your tax is due, you get a reminder letter, but this is not enough for thousands of people, who forget their renewal date, and can face a fine of up to £1,000.
The reason behind ditching the paper disc was very simple - the DVLA wanted to save the money it spent printing and sending them out. It estimated that it would save £10 million a year by making the change.
The price they paid was that motorists no longer have a handy reminder sitting in their windscreen, so they forget to pay. The DVLA annual report revealed that car tax payments had fallen £93 million, because people were forgetting to renew.