Tax a car prior to having insurance on it

Mickeyie05

Is it possible to get tax on a car prior to getting it insured?

sophia25

No, there would be no need to tax a car unless it was on the road and if it was on the road it would have to be insured. They can check policies are valid when you provide them with the details.

Mickeyie05

Right I live in london and im home for easter and want to use the car. i can get temporary insurance transfered over from my parents car but dont know how to get the car taxed, surely i shud be able to tax the car if its nct, why wud government turn down additional revenue

sophia25

Once there is insurance on the car, be it a temporary transfer, you can tax it, but you would need to furnish these details. There has to be some proof of insurance as the govt couldn't accept revenue for an illegal act (driving without insurance).

CiniO

sophia25 wrote: »

No, there would be no need to tax a car unless it was on the road and if it was on the road it would have to be insured. They can check policies are valid when you provide them with the details.

But it can be driven on the road, by someone who has "driving other cars" feature on his insurance, so the car still can be driven legally insured, without actually having it's own insurance.

sophia25

CiniO wrote: »

But it can be driven on the road, by someone who has "driving other cars" feature on his insurance, so the car still can be driven legally insured, without actually having it's own insurance.

I think if you check the small print on "driving other cars" feature, the "other" car needs to be insured in it's own right. You can only drive other insured cars, think about it. A 2 car couple have a policy with a "driving other cars" feature, so only insure one car? No, the other car is not insured so they can't do this. You can do a temporary transfer where you transfer your insurance from your car to another car, but you can't have insurance on multiple vehicle with one policy.

CiniO

sophia25 wrote: »

I think if you check the small print on "driving other cars" feature, the "other" car needs to be insured in it's own right.

There was already few discussions about it here on boards.
Some policies requires other car to be insured by the owner, others don't.
The 2 different insurance companies I was with so far, had no problem with letting me drive other cars, even if they were not insured by the owner.

You can only drive other insured cars, think about it. A 2 car couple have a policy with a "driving other cars" feature, so only insure one car? No, the other car is not insured so they can't do this.

I did this for a while.
We had two cars (one registered on my name, other registered on my wife's name).
I had insurance on my car with my wife as a named driver. So we both could drive my car.
Additionally I (a policy holder) could drive other cars so I have driven my wife's car which was not insured by her.
AFAIK all above was legal.

Mo60

Is it not a legal requirement to have an insurance disc applicable to the car on the windscreen?

CiniO

Mo60 wrote: »

Is it not a legal requirement to have an insurance disc applicable to the car on the windscreen?

Actaully you are right.
So it wasn't 100% legal.
But the most I was risking was 60euros fine.

sophia25

Mo60 wrote: »

Is it not a legal requirement to have an insurance disc applicable to the car on the windscreen?

It is, as it is to have appropriate insurance on any driven vehicle. If you believe the car is insured you provide these details to motor tax, but if car is not insured you can't get tax.

_Conrad_

Mickeyie05 wrote: »

Right I live in london and im home for easter and want to use the car. i can get temporary insurance transfered over from my parents car but dont know how to get the car taxed, surely i shud be able to tax the car if its nct, why wud government turn down additional revenue

nobody's actually answered your question, yes you can tax the car, well usually you'll be able to. you're technically not supposed to, but in the motor tax office i go to, and most others, i know they don't bother to check once there's something written down in the insurance boxes.

Obviously you're supposed to have insurance, but for more important reasons than tax.

I've bought and sold a lot of cars, and taxed plenty that i wasnt insured on, i just put the details from the car that i was actually driving and insured on into the space provided.


While working managing company cars on contract leases, i also had to tax literally hundreds of cars, which were not in my name and that i was not specificly insured on, and in many cases had never even seen. We just put down either our personal insurance or the work policy and it was never an issue

Matt Simis

sophia25 wrote: »

No, there would be no need to tax a car unless it was on the road and if it was on the road it would have to be insured. They can check policies are valid when you provide them with the details.

One of the times I was paying tax online I put in the wrong Insurance number, it didnt validate anything and worked perfectly fine.

Wildly Boaring

sophia25 wrote: »

I think if you check the small print on "driving other cars" feature, the "other" car needs to be insured in it's own right.

I can definitely drive an uninsured car using my "driving other cars" extension.

_Conrad_

Matt Simis wrote: »

One of the times I was paying tax online I put in the wrong Insurance number, it didnt validate anything and worked perfectly fine.

as long as there's a number that looks like a real number it shoudlnt cause a problem

scanlone

scanlone wrote: »

I can definitely drive an uninsured car using my "driving other cars" extension.

Likewise, and so too 80/90% of folks with their own policy

The Muppet

scanlone wrote: »

I can definitely drive an uninsured car using my "driving other cars" extension.

Me too, I checked with my insurance company (RSA).

I'm told if you're with Zurich the other car has to be inusred.

Marcusm

sophia25 wrote: »

I think if you check the small print on "driving other cars" feature, the "other" car needs to be insured in it's own right. You can only drive other insured cars, think about it. A 2 car couple have a policy with a "driving other cars" feature, so only insure one car? No, the other car is not insured so they can't do this. You can do a temporary transfer where you transfer your insurance from your car to another car, but you can't have insurance on multiple vehicle with one policy.

I don't know about the specifics of Irish insurance rules but this has been fairly common in the UK. A "weekend" car is registered in the name of the non driving spouse but is only driven by the other half it being covered by the main car insurance. It's proposed that the position be changed such that the insurance e made car specific for all cars on the road.

The Muppet

Re taxing without insurance, if you park a car which is not in use and has no insurance outside your house can you be done for no tax?

Henry Ford III

The Muppet wrote: »

Re taxing without insurance, if you park a car which is not in use and has no insurance outside your house can you be done for no tax?

I'd imagine so.

PaulKK

Matt Simis wrote: »

One of the times I was paying tax online I put in the wrong Insurance number, it didnt validate anything and worked perfectly fine.

I never bother putting the right number in, just roughly the correct date.

It doesn't care what you put in, they just want the money!

The Muppet

The Muppet wrote: »

I'm told if you're with Zurich the other car has to be inusred.

Unless they've changed this recently;
I bought my mum a car, rang up and asked could I add the car to my policy for a couple of hours as my husband would be driving my car to bring me to pick up the new car, so I couldn't simply transfer the insurance. I was told (by Zurich) that I was fully insured to drive the new car even if the car itself was not insured. My insurance policy however, does not cover me for driving of other cars where that car is registered either in mine, or my spouse's name.

OP I would suggest going to the tax office and when completing the form, put the temp insurance details on it. They aren't going to verify them, I can pretty much guarantee you that.

_Conrad_

Henry Ford III wrote: »

I'd imagine so.

unless you're seen driving it then it's not very likely to happen

The Muppet

The Muppet wrote: »

Re taxing without insurance, if you park a car which is not in use and has no insurance outside your house can you be done for no tax?

Henry Ford III wrote: »

I'd imagine so.

_Conrad_ wrote: »

unless you're seen driving it then it's not very likely to happen

If it's on the road it needs to be taxed, driving it or not doesn't change that. Also if it's outside your house it would want to be insured too unless it's on your private property.

Mo60

Is the OP looking to tax a car legally?

The tax application asks for insurance certificate details relating to the car.

_Conrad_

Mo60 wrote: »

Is the OP looking to tax a car legally?

The tax application asks for insurance certificate details relating to the car.

the application can ask whatever it wants, doesn't matter though if it's never checked.

The question was can he tax it, answer is YES. The methond of taxing it, and whether it's all perfect and by the book is a differnt issue.

_Conrad_

RoverJames wrote: »

If it's on the road it needs to be taxed, driving it or not doesn't change that. Also if it's outside your house it would want to be insured too unless it's on your private property.

going "by the book" yes, but in the real world the average car parked outside someone's house in the average suburban housing estate that the average person lives in is highly unlikely to get you into trouble for not having valid tax and insurance while it's sitting there not moving.

CiniO

RoverJames wrote: »

If it's on the road it needs to be taxed, driving it or not doesn't change that. Also if it's outside your house it would want to be insured too unless it's on your private property.

If it parked outside private property on public road, it has to be insured.

CiniO

Marcusm wrote: »

I don't know about the specifics of Irish insurance rules but this has been fairly common in the UK. A "weekend" car is registered in the name of the non driving spouse but is only driven by the other half it being covered by the main car insurance. It's proposed that the position be changed such that the insurance e made car specific for all cars on the road.

The only problem here is, that mentioned car if the owned didn't insure it, has actually no insurance on it's own.
If it's driven by person, with "driving other cars" insurance that's fine while being driven.
But then if such a person parks the car in public place, car becomes illegal, as it has no insurance anymore while parked.

CiniO

CiniO wrote: »

If it's driven by person, with "driving other cars" insurance that's fine while being driven. But then if such a person parks the car in public place, car becomes illegal, as it has no insurance anymore while parked.

I never knew this!