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Why do you still have to give insurance details when taxing your car?

  • 09-10-2014 2:57pm
    #1
    Lemo
    Registered Users Posts: 178 ✭✭


    I'm pretty sure, back in the bad old days, this was a way to check people were insured. There was no insurance disc back then so if you couldn't get a tax disc it was a clue to the Garda to check your insurance.

    Went to renew online there and then remembered I'd have to dig out the policy when I get home. So it's just an annoyance but got me wondering.


Comments

  • #2
    Dial Hard
    Registered Users, Registered Users 2 Posts: 13,918 ✭✭✭✭Dial Hard


    You can just enter any sequence of numbers into the insurance bit when taxing online; it's not linked to any insurance database. Once you physically populate the field, you're good to go.


  • #3
    blondie29
    Registered Users Posts: 103 ✭✭blondie29


    When Gardai run a check on a car through Pulse your insurance company & expiry date will be on it.


  • #4
    Toyotafanboi
    Registered Users, Registered Users 2 Posts: 12,917 ✭✭✭✭Toyotafanboi


    Dial Hard wrote: »
    You can just enter any sequence of numbers into the insurance bit when taxing online; it's not linked to any insurance database. Once you physically populate the field, you're good to go.

    x2, i don't think i've ever put my correct details into it.


  • #5
    fmcg_scribe
    Registered Users, Registered Users 2 Posts: 564 ✭✭✭fmcg_scribe


    From http://www.citizensinformation.ie/en/travel_and_recreation/motoring_1/motor_tax_and_insurance/motor_tax_rates.html:

    "You need your insurance details and a debit or credit card for paying [motor] tax [online]."

    In the UK, if using DVLA website for online motor tax renewal, system checks that car has up to date insurance and MOT before letting you proceed with the renewal.


  • #6
    coylemj
    Registered Users, Registered Users 2 Posts: 25,492 ✭✭✭✭coylemj


    Dial Hard wrote: »
    You can just enter any sequence of numbers into the insurance bit when taxing online; it's not linked to any insurance database. Once you physically populate the field, you're good to go.

    +1 They'd probably like you to think that they can validate the policy number in the way that a mail order company can validate a credit card number (i.e. tell if it's real or not) but they can't so you can enter any rubbish.

    When you renew the tax disc across the counter you have to show an insurance cert. so the specs. for the online system probably called for the policy number to be entered but it serves no purpose when it can't be validated.


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  • #7
    Lemo
    Registered Users Posts: 178 ✭✭Lemo


    It's a great little country. I wonder if the same would work with the kids' PPSNs for Irish Water? :-)


  • #8
    Cleveland Hot Pocket
    Registered Users Posts: 5,193 ✭✭✭Cleveland Hot Pocket


    coylemj wrote: »
    +1 They'd probably like you to think that they can validate the policy number in the way that a mail order company can validate a credit card number (i.e. tell if it's real or not) but they can't so you can enter any rubbish.

    When you renew the tax disc across the counter you have to show an insurance cert. so the specs. for the online system probably called for the policy number to be entered but it serves no purpose when it can't be validated.

    Not in Dublin or Kildare anyway.


  • #9
    Tea 1000
    Registered Users, Registered Users 2 Posts: 4,520 ✭✭✭Tea 1000


    OSI wrote: »
    It's for the ANPR. The ANPR takes a copy of the Motor Tax database everyday, but has no access to the Insurance database. So they use the insurance details you gave them when renewing your tax. A crap solution from a crap system.
    That's fairly crap alright. I usually fill in the approximate date of expiry and if I can easily find the insurance company on the dropdown I use that too, but I randomly enter numbers. I figure once I'm properly insured and taxed and NCT'd sure who can argue?
    Also, it's kind of pointless, as my insurance could expire next week and I might now tax the car for a full year, so even entering the correct details it would be invalid by the time the tax disk gets here!!


  • #10
    zurbfoundation
    Registered Users, Registered Users 2 Posts: 816 ✭✭✭zurbfoundation


    OSI wrote: »
    It's for the ANPR. The ANPR takes a copy of the Motor Tax database everyday, but has no access to the Insurance database. So they use the insurance details you gave them when renewing your tax. A crap solution from a crap system.

    this is true - and if you enter real insurance details, tax car for say 12 months, then change insurance companies before you tax again - the ANPR thinks your insurance is out of date. If i was AGS i would be hesitant to pull in a car who the ANPR tells me has no insurance.

    I think the Customs get insurance company Databases from various companies to target imported cars that are covered, on the road - but VRT not yet paid and reg-ed as Irish.


  • #11
    DaveD
    Registered Users, Registered Users 2 Posts: 564 ✭✭✭DaveD


    OSI wrote: »
    It's for the ANPR. The ANPR takes a copy of the Motor Tax database everyday, but has no access to the Insurance database. So they use the insurance details you gave them when renewing your tax. A crap solution from a crap system.

    ANPR has access to the insurance database. They don't use the details you put in when you tax the car.


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  • #12
    emmetlego
    Registered Users Posts: 4,686 ✭✭✭emmetlego


    ANPR? Is that an old Republican/Sinn Fein newspaper?


  • #13
    Stheno
    Moderators, Business & Finance Moderators, Science, Health & Environment Moderators, Society & Culture Moderators Posts: 51,688 Mod ✭✭✭✭Stheno


    emmetlego wrote: »
    ANPR? Is that an old Republican/Sinn Fein newspaper?

    ANPR = automatic number plate recognition, it scans the plate and checks tax/insurance status


  • #14
    emmetlego
    Registered Users Posts: 4,686 ✭✭✭emmetlego


    Stheno wrote: »
    ANPR = automatic number plate recognition, it scans the plate and checks tax/insurance status

    And there was me thinking the Provos had us!

    An Phoblacht Republican news!!!


  • #15
    coylemj
    Registered Users, Registered Users 2 Posts: 25,492 ✭✭✭✭coylemj


    Cleveland Hot Pocket wrote: »
    Not in Dublin or Kildare anyway.

    I'm fairly sure that the last time I taxed my car in Nutgrove, I handed over my insurance cert, the official looked at it and handed it back.


  • #16
    Special Circumstances
    Closed Accounts Posts: 7,569 ✭✭✭Special Circumstances


    emmetlego wrote: »
    And there was me thinking the Provos had us!

    An Phoblacht Republican news!!!
    I throw my hands up in the air sometimes.


    Sayin aayo, Emmet lego...


  • #17
    emmetlego
    Registered Users Posts: 4,686 ✭✭✭emmetlego


    Special Circumstances wrote: »
    I throw my hands up in the air sometimes.


    Sayin aayo, Emmet lego...

    Everything is AWESOME!!!


  • #18
    coylemj
    Registered Users, Registered Users 2 Posts: 25,492 ✭✭✭✭coylemj


    DaveD wrote: »
    ANPR has access to the insurance database. They don't use the details you put in when you tax the car.

    What insurance database? Are you suggesting that there is a centralised database to which all of the insurance companies submit data?

    One of the following must happen in order for the Gardai to have access to your insurance data.....

    1. The insurance companies consolidate all of their policy data in one database to which the Gardai and/or the motor tax people in Shannon have access

    2. Each of the insurance companies submit data piecemeal to the Gardai and this data is fed to the ANPR system.

    Which is it?


  • #19
    jca
    Closed Accounts Posts: 8,585 ✭✭✭jca


    emmetlego wrote: »
    And there was me thinking the Provos had us!

    An Phoblacht Republican news!!!

    :pac::pac::pac: I like it:D


  • #20
    zurbfoundation
    Registered Users, Registered Users 2 Posts: 816 ✭✭✭zurbfoundation


    coylemj wrote: »
    What insurance database? Are you suggesting that there is a centralised database to which all of the insurance companies submit data?

    One of the following must happen in order for the Gardai to have access to your insurance data.....

    1. The insurance companies consolidate all of their policy data in one database to which the Gardai and/or the motor tax people in Shannon have access

    2. Each of the insurance companies submit data piecemeal to the Gardai and this data is fed to the ANPR system.

    Which is it?

    correct - a centralised insurance policy database does not exist


  • #21
    ardmacha
    Registered Users, Registered Users 2 Posts: 7,476 ✭✭✭ardmacha


    zurbfoundation wrote: »
    correct - a centralised insurance policy database does not exist

    Time it did, right across the EU.


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  • #22
    fmcg_scribe
    Registered Users, Registered Users 2 Posts: 564 ✭✭✭fmcg_scribe


    ardmacha wrote: »
    Time it did, right across the EU.

    UK has this site, which is very useful:
    http://www.askmid.com/


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