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help insurance on english bmw

  • 19-01-2009 4:33pm
    #1
    gazman59
    Closed Accounts Posts: 124 ✭✭


    hi guys im 21 and just bought a 320d 02 from london now i have insurance with quinn direct but i was wondering can i change it over the cover the bmw even though its on english plates? or will i have to get it vrt'd straight away.. also whats the policy with driving on english plates over here? cheers


Comments

  • #2
    smash
    Closed Accounts Posts: 34,809 ✭✭✭✭smash


    you can change it over to the UK plate and then call them once it's VRT'd


  • #3
    Drummerboy08
    Closed Accounts Posts: 12,102 ✭✭✭✭Drummerboy08


    I doubt an insurance company will insure you as the car is not registered in Ireland.

    As for the VRT, it has to be paid within 48 hrs or somethin like that...??:confused:


  • #4
    gazman59
    Closed Accounts Posts: 124 ✭✭gazman59


    48hours seriously so i have to pay 1500 by wends? lovely


  • #5
    Drummerboy08
    Closed Accounts Posts: 12,102 ✭✭✭✭Drummerboy08


    Maybe its not 48hrs but it does have to be paid fairly soon.

    No doubt someone will be on to tell you exactly.


  • #6
    homer90
    Registered Users, Registered Users 2 Posts: 2,073 ✭✭✭homer90


    obviously depends on insurer .....

    getting cover is no prob. . . Mine were willing to cover english plates for 30 days when I bought over the pond...



    Would get it VRT'd ASAP tho

    'As in the next working day' ;)


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  • #7
    smash
    Closed Accounts Posts: 34,809 ✭✭✭✭smash


    Drummerboy08 wrote: »
    I doubt an insurance company will insure you as the car is not registered in Ireland.

    As for the VRT, it has to be paid within 48 hrs or somethin like that...??:confused:
    Well you're wrong, 90% of insurance companies will transfer for you and give you 30 days to change the reg... otherwise how could you bring the car over from the UK... I've done it on 2 cars with Quinn and on both occasions they transferred the policy and didn't even care when I registered the car as long as I was insured to drive it!


  • #8
    Drummerboy08
    Closed Accounts Posts: 12,102 ✭✭✭✭Drummerboy08


    They'll insure you for 30 days, exactly.... Its not your full years policy tho is it? i.e. will they insure you for the year on UK plates?


  • #9
    gazman59
    Closed Accounts Posts: 124 ✭✭gazman59


    no its just so i dont have to change it over straight away


  • #10
    rebel.ranter
    Registered Users, Registered Users 2 Posts: 3,570 ✭✭✭rebel.ranter


    They will insure you on UK plates, they don't care about the VRT.


  • #11
    robbie99
    Registered Users, Registered Users 2 Posts: 1,261 ✭✭✭robbie99


    steve06 is correct. My insurer FBD said they had no problem transferring insurance onto a yellow plate for up to 30 days.

    Revenue rules are that you're to register the car by the next working day. They have also been known to be be flexible and have allowed people up to a week to come back with the check/draft for the VRT amount.


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  • #12
    smash
    Closed Accounts Posts: 34,809 ✭✭✭✭smash


    I was insured for months one one of my cars because there was issues with the V5 for registration. They never even called or sent a letter and when I eventually called them about the new plate they just said "Ah sure it's whenever you get around to doing it"


  • #13
    testicle
    Closed Accounts Posts: 5,429 ✭✭✭testicle


    Drummerboy08 wrote: »
    I doubt an insurance company will insure you as the car is not registered in Ireland.

    Quinn will, indefinitely.
    Drummerboy08 wrote: »
    As for the VRT, it has to be paid within 48 hrs or somethin like that...??:confused:

    The end of the next working day.


  • #14
    mdebets
    Registered Users, Registered Users 2 Posts: 1,747 ✭✭✭mdebets


    Drummerboy08 wrote: »
    Maybe its not 48hrs but it does have to be paid fairly soon.

    No doubt someone will be on to tell you exactly.

    You don't have 48 hours, you have to VRT it by the end of the following business day after you imported it.


  • #15
    gazman59
    Closed Accounts Posts: 124 ✭✭gazman59


    so say i get the insurance for the 30days! what are the repercussions for not gettin it vrt'd until the 30 days are up?


  • #16
    Stephen
    Registered Users, Registered Users 2 Posts: 18,484 ✭✭✭✭Stephen


    If you got caught and they didn't let you off they could impound the car and not give it back to you until the VRT is paid in full + penalties etc.

    I think once you don't take the piss with the VRT they will be reasonable.


  • #17
    jor el
    Closed Accounts Posts: 16,713 ✭✭✭✭jor el


    gazman59 wrote: »
    so say i get the insurance for the 30days! what are the repercussions for not gettin it vrt'd until the 30 days are up?

    You'll be driving without tax, and also with an improperly registered vehicle. The Gardai can take the car off you for the first one, and Customs can take it off you for the second one. They don't necessarily have to give it back, and you can face hefty fines.

    You shouldn't have bought the car, if you couldn't afford it.


  • #18
    KateF
    Closed Accounts Posts: 244 ✭✭KateF


    gazman59 wrote: »
    48hours seriously so i have to pay 1500 by wends? lovely
    No its not.i didn't pay mine for ages. Which was probably wrong thing to do, but I never got pulled up on it It will need to be registered with Irish Plates to get Insurance


  • #19
    Drummerboy08
    Closed Accounts Posts: 12,102 ✭✭✭✭Drummerboy08


    KateF wrote: »
    No its not.i didn't pay mine for ages. Which was probably wrong thing to do, but I never got pulled up on it It will need to be registered with Irish Plates to get Insurance


    Legally its due within a short time anyway. Some say by the next day?

    So if you dont pay it by then, technically isnt it tax evasion? And like someone else said, you wont have any tax on the car either.


  • #20
    gazman59
    Closed Accounts Posts: 124 ✭✭gazman59


    na its not i cant afford it just the omsp mite come down in the time that im waiting ya no. sapose it would be best to get it registered asap.


  • #21
    Anan1
    Registered Users, Registered Users 2 Posts: 22,815 ✭✭✭✭Anan1


    Sapose it would.:)


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  • #22
    L1011
    Registered Users, Registered Users 2 Posts: 71,142 ✭✭✭✭L1011


    If you've got an Irish insurance disc on the car customs are far less likely to believe any excuses too...


  • #23
    testicle
    Closed Accounts Posts: 5,429 ✭✭✭testicle


    MYOB wrote: »
    If you've got an Irish insurance disc on the car customs are far less likely to believe any excuses too...

    UK cars have no requirement for an insurance disk.


  • #24
    Gallant_JJ
    Registered Users, Registered Users 2 Posts: 821 ✭✭✭Gallant_JJ


    Quinn will insure you for the year with the yellow plates. No requirements at all to change them over.
    Also once the car has a valid tax disk don't worry about the guards. They just presume your from the north.
    For anyone buying a car in the UK or the North, get the garage you buy the car from to tax the car. If it seals they deal they will have no hesitation in doing it. You then have basically a year to pay the VRT.


  • #25
    Anan1
    Registered Users, Registered Users 2 Posts: 22,815 ✭✭✭✭Anan1


    Gallant_JJ wrote: »
    Also once the car has a valid tax disk don't worry about the guards. They just presume your from the north.
    Absolute rubbish, i'm afraid.


  • #26
    Cond0r
    Registered Users, Registered Users 2 Posts: 513 ✭✭✭Cond0r


    As with all things related to government/laws etc, the source of all knowledge:

    http://www.citizensinformation.ie/categories/moving-country/moving-to-ireland/coming-to-live-in-ireland/importing_car_into_ireland/?searchterm=vrt#rules


  • #27
    Smcgie
    Registered Users, Registered Users 2 Posts: 1,379 ✭✭✭Smcgie


    Ring Quinn direct, they are the only Irish insurance company that will insure a UK plate, even if you live in Ireland... that's how Sean makes his money ;)

    Guarantee you they will insure it.


  • #28
    L1011
    Registered Users, Registered Users 2 Posts: 71,142 ✭✭✭✭L1011


    testicle wrote: »
    UK cars have no requirement for an insurance disk.

    I know. Relevance of your post? None.

    If you're driving a UK registered car with an Irish insurance disk in the window you are asking for trouble.


  • #29
    Holsten
    Registered Users, Registered Users 2 Posts: 4,971 ✭✭✭Holsten


    How much is the VRT on a 02 320d?


  • #30
    L1011
    Registered Users, Registered Users 2 Posts: 71,142 ✭✭✭✭L1011


    Gallant_JJ wrote: »
    Also once the car has a valid tax disk don't worry about the guards. They just presume your from the north.

    Not any more they don't - customs checks are getting ever more frequent. Dangerous "advice".


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  • #31
    Gallant_JJ
    Registered Users, Registered Users 2 Posts: 821 ✭✭✭Gallant_JJ


    Anan1 wrote: »
    Absolute rubbish, i'm afraid.

    Experience , I'm afraid.


  • #32
    Guy:Incognito
    Registered Users, Registered Users 2 Posts: 38,247 ✭✭✭✭Guy:Incognito


    Gallant_JJ wrote: »
    Experience , I'm afraid.

    If you rob a bank and get away with it, is it to be recommended as a regular income source?


  • #33
    Gallant_JJ
    Registered Users, Registered Users 2 Posts: 821 ✭✭✭Gallant_JJ


    It's only a statement not encouragement or advice.


  • #34
    bazz26
    Registered Users, Registered Users 2 Posts: 51,360 ✭✭✭✭bazz26


    OP, I hope you have done a bit more homework on the car itself than you have on insurance and VRT situation.


  • #35
    gazman59
    Closed Accounts Posts: 124 ✭✭gazman59


    thanks for the help guys. the vrt is 1600e not to bad?


  • #36
    testicle
    Closed Accounts Posts: 5,429 ✭✭✭testicle


    MYOB wrote: »
    I know. Relevance of your post? None.

    If you're driving a UK registered car with an Irish insurance disk in the window you are asking for trouble.

    Relevence being, why in the name of **** would you put an insurance disk in a car when it's not required.


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  • #37
    Anan1
    Registered Users, Registered Users 2 Posts: 22,815 ✭✭✭✭Anan1


    Gallant_JJ wrote: »
    It's only a statement not encouragement or advice.
    It's an untrue statement.


  • #38
    [Deleted User]
    Posts: 24,714 ✭✭✭✭ [Deleted User]


    Gallant_JJ wrote: »
    Quinn will insure you for the year with the yellow plates. No requirements at all to change them over.

    +1

    You will have no problem insuring it with Quinn. I have done it as have a number of friends of mine for varying amounts of time. In all cases we received a cert for the year or the rest of the policy which was 10 months in my case. I have spoken to them about it also and they more or less treat Ireland and the Uk as a common area and will insure UK cars in Ireland and vice versa.


  • #39
    Chris Peak
    Closed Accounts Posts: 216 ✭✭Chris Peak


    MYOB wrote: »
    Not any more they don't - customs checks are getting ever more frequent. Dangerous "advice".

    There was a program on RTE1 a few months ago about Customs here.
    The customs officer being featured noticed a BMW in front of them (He and the film crew) with northern plates. He flashed the guy to pull over, and found he hadn't registered his car here. The driver had his car seized and had to pay over €20k in fines and taxes.

    So OP, it's probably better to get it sorted sooner than later.


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