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Would anyone prefer if you could pay road tax monthly?

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    #32
    dowlingm
    Registered Users Posts: 5,312 ✭✭✭dowlingm


    kilkenny31 wrote: »
    Currently my motor tax is. Yearly €673

    Half yearly @55.5% = €373 which works out at €746 per year
    Quarterly @28.25% = €190 which works out at €760 per year
    Introduce monthly dd payments say @10% = 67.30 which works out at €807.60 per year.

    Its not something that would make me that happy because it means i pay more but it would make my life easier and its probably the only thing the government would even consider.
    Presumably this is a 1.8L standard assessed car per the motor tax assessment table. So basically you're borrowing money from the government but paying 20% over above the nominal amount, which in APR terms must be getting on for a bit more than that since it's a decreasing balance. 704 Eur for 2 halfyearly payments is 10% over the nominal amount. I just checked the credit union in my home town and their APR is 9.4pc.


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    #33
    _Kaiser_
    Registered Users Posts: 28,719 ✭✭✭✭_Kaiser_


    n97 mini wrote: »
    Also not being an ass, but I don't understand why people driving 1.9L cars for social and leisure purposes complain about road tax rather than downsize.

    Because downsizing may not be practical depending on the usage.

    If you do any sort of commuting a diesel is an essential and unless you can afford a newer post-08 car (which most people who are affected by the high tax can't) your default choice will be something from the VW stable in 1.9 TDI form.

    This issue is then further compounded by virtue of the fact that the government in its infinite wisdom decided to incentivise people to trade-up by offering cheaper tax (generally) on the newer cars. Of course this was supposedly to save the trees or whatever but the reality is it was to keep SIMI and its members happy - hence why when people DID exactly what they were asked, and tax revenues went down because everyone went and bought BMW 520D's for €156 tax, the government then pushed THOSE rates up too :rolleyes:

    To make things still worse it has led to a situation where older and generally better cars are now worthless because they don't qualify for "de cheap tax" now demanded by the average Irish motorist (leaving aside the nonsense of spending 40k to save 300 a year on tax...).

    It's also leading to mechanical problems as diesels are meant to be driven, not pottering around on the school run or down to the corner shop for milk - hence expensive engine issues when filters get clogged up etc

    Bottom line for the owner of an "old" car then is they're being shafted from all sides.. the value of the car has dropped like a stone, the cost of taxing it has gone up, and because nobody wants it without them taking a significant hit on it, they're forced to cut corners on servicing etc so they can keep it on the road month to month.

    I actually dread buying a "newer" car in years to come because of all this!


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    #34
    n97 mini
    Registered Users Posts: 8,295 ✭✭✭n97 mini


    n97 mini wrote:
    Also not being an ass, but I don't understand why people driving 1.9L cars for social and leisure purposes complain about road tax rather than downsize.
    Kaiser2000 wrote: »
    Because downsizing may not be practical depending on the usage.

    If you do any sort of commuting

    OP doesn't do any commuting. I'm talking about people buying cars they can't afford to tax when there was a cheaper alternative. E.g. 1.9 Octavia vs 1.4 Octavia.


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    #35
    SeanW
    Registered Users Posts: 8,776 ✭✭✭SeanW


    n97 mini wrote: »
    OP doesn't do any commuting. I'm talking about people buying cars they can't afford to tax when there was a cheaper alternative. E.g. 1.9 Octavia vs 1.4 Octavia.
    That is simply not true.

    When I bought my current car, the annual road tax was €614, and since I had cash at the time, I paid it annually the first two years. But between the massive increases in road tax since then and the fact that I now have to pay it 3 monthly, I've seen an effective increase in that to €800! an increase of almost €200 for nothing, in just that one tax alone. So I'm bloody well within my rights to complain about it.


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    #36
    Nemeses
    Registered Users Posts: 1,829 ✭✭✭Nemeses


    n97 mini wrote: »
    Also not being an ass, but I don't understand why people driving 1.9L cars for social and leisure purposes complain about road tax rather than downsize.

    Some Diesels would be around 1.9 as standard..

    I drive a diesel car, now you could turn around and say buy a new diesel motor which would be around 1.6 or less even.

    No, There is nothing wrong with my 2002 car I cant justify buying a post 2008 diesel car for less tax

    And also, a ~1.4 litre Petrol car would not suit me for my driving needs.


    Do you drive n97mini? If so what car, year and litre?


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    #37
    No Pants
    Closed Accounts Posts: 3,347 ✭✭✭No Pants


    Pay your tax only three months in advance or six months rather than the full year in advance; you pay a premium. Don't pay it at all and then pay the backtax; no extra charge.


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    #38
    SeanW
    Registered Users Posts: 8,776 ✭✭✭SeanW


    No Pants wrote: »
    Pay your tax only three months in advance or six months rather than the full year in advance; you pay a premium. Don't pay it at all and then pay the backtax; no extra charge.
    They're taking that away too.


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    #39
    n97 mini
    Registered Users Posts: 8,295 ✭✭✭n97 mini


    Nemeses wrote: »
    And also, a ~1.4 litre Petrol car would not suit me for my driving needs.
    You don't say why.
    Nemeses wrote: »
    Do you drive n97mini? If so what car, year and litre?
    Yep, 2004, 1.3 petrol saloon. Would love something bigger/faster, but I can't justify the costs.


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    #40
    beauf
    Closed Accounts Posts: 22,651 ✭✭✭✭beauf


    veryangryman wrote: »
    Actually why cant they just do it digitally - ie the cop scans/presses in your reg and gets its details from the Database - doesnt sound difficult.

    Exactly, and why not simply scan the plates on major routes. Have a few mobile vans to do likewise. All this printing and processing of paper discs is ridiculous. Has any other country got rid of them?

    TBH its just another tax so should be rolled up into fuel taxes.


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    #41
    hognef
    Registered Users Posts: 828 ✭✭✭hognef


    beauf wrote: »
    All this printing and processing of paper discs is ridiculous. Has any other country got rid of them?

    Yes, Norway. From last year. It was never a paper disc though, rather a sticker on the registration plate. There was also never (afaik) a need to display insurance or (the equivalent of) NCT discs.


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    #42
    Trhiggy83
    Registered Users Posts: 731 ✭✭✭Trhiggy83


    Kaiser2000 wrote: »
    Because downsizing may not be practical depending on the usage.

    If you do any sort of commuting a diesel is an essential and unless you can afford a newer post-08 car (which most people who are affected by the high tax can't) your default choice will be something from the VW stable in 1.9 TDI form.

    This issue is then further compounded by virtue of the fact that the government in its infinite wisdom decided to incentivise people to trade-up by offering cheaper tax (generally) on the newer cars. Of course this was supposedly to save the trees or whatever but the reality is it was to keep SIMI and its members happy - hence why when people DID exactly what they were asked, and tax revenues went down because everyone went and bought BMW 520D's for €156 tax, the government then pushed THOSE rates up too :rolleyes:

    To make things still worse it has led to a situation where older and generally better cars are now worthless because they don't qualify for "de cheap tax" now demanded by the average Irish motorist (leaving aside the nonsense of spending 40k to save 300 a year on tax...).

    It's also leading to mechanical problems as diesels are meant to be driven, not pottering around on the school run or down to the corner shop for milk - hence expensive engine issues when filters get clogged up etc

    Bottom line for the owner of an "old" car then is they're being shafted from all sides.. the value of the car has dropped like a stone, the cost of taxing it has gone up, and because nobody wants it without them taking a significant hit on it, they're forced to cut corners on servicing etc so they can keep it on the road month to month.

    I actually dread buying a "newer" car in years to come because of all this!

    You hit the nail on the head with that post, we are being shafted from all angles if you have a pre 08 car, it ridiculous. the only option left is to drive what you have regardless of how much the tax costs. This country is gonna get worse before it gets better afterall we need to keep the pot full to keep paying politicians pensions and overpaid public sector salaries


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    #43
    dowlingm
    Registered Users Posts: 5,312 ✭✭✭dowlingm


    beauf wrote: »
    TBH its just another tax so should be rolled up into fuel taxes.
    Which will be avoided by going across the border and/or fuel laundering.


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    #44
    ezra_pound
    Registered Users Posts: 2,497 ✭✭✭ezra_pound


    Op. What do you need your car for?


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    #45
    beauf
    Closed Accounts Posts: 22,651 ✭✭✭✭beauf


    dowlingm wrote: »
    Which will be avoided by going across the border and/or fuel laundering.

    Its not like that doesn't happen already.
    http://www.irishtimes.com/news/crime-and-law/8m-fuel-laundering-plant-found-in-monaghan-1.1402556

    I wonder how much it costs to print all those discs and how much more income would be gained if cars could be scanned electronically than by having Garda checking them.


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