Not much point in having it, there aren't any police left to spot out of date discs. My Dad would be worried if he were still with us, I remember him using a Buckley's Brewery label for a tax disc for ages, partially obscured by a windscreen wiper, or the last resort, a note saying "tax in post"
What they are saying is that the politicians and the bankers have ripped off ordinary folks off so much, that many of us can no longer afford to pay for six months tax, let alone twelve months.
Truly the last person to enter parliament with honest intentions was Guy Fawkes