buying a car with NCT and tax out?

aidanki

hi all,

might be buying a car with tax and NCT out since Nov-2011

a few things I am wondering, can I insure it without an NCT?

I would intend getting the NCT done ASAP

what do I have to do about the tax being out since Nov-2011, its been parked up at the garage since

never bought a car with NCT tax out before so just wondering

CiniO

aidanki wrote: »

hi all,

might be buying a car with tax and NCT out since Nov-2011

a few things I am wondering, can I insure it without an NCT?

I would intend getting the NCT done ASAP

what do I have to do about the tax being out since Nov-2011, its been parked up at the garage since

never bought a car with NCT tax out before so just wondering

To be 100% legal, you need to wait until car is transfered into your name and tax it then. You can't drive the car before.
Also you need to book NCT and use towing truck to take your car to the test centre for a test.

In reality everyone would drive the car straight away, and in case one gets pulled over, just explain to the guard you recently bought a car and you are just during orginizing new NCT and tax.

zizou_

The insurance companies seem to have different policies depending on the age of the car. With my last two companies they needed to see a valid NCT cert before insuring a car which was over 10years old.

Didn't have that rule for newer cars.

aidanki

this one is a 05 so that rule won't apply

Our man in Havana

It is not a rule of law, it is simply their made up policy.

aidanki

anyone know the story with regard to taxing the car which hasn't been taxed since Nov 2011

Our man in Havana

Pay your back tax or sign a declaration at a garda station.

CiniO

aidanki wrote: »

anyone know the story with regard to taxing the car which hasn't been taxed since Nov 2011

You are liable for tax from the beginning of the month you bought it.
So f.e. if you buy it on 5th May 2012, you have to pay tax only from 1st May 2012. Fact that car was not taxed between November 2011 and April 2012 while car wasn't yours is none of your concern.

bazz26

I'd insist on the seller NCTing it as a condition of the sale. In fact anyone selling a car surely would have it NCT'd to make it more attractive to a buyer unless they are hiding something of course.

aidanki

Our man in Havana wrote: »

Pay your back tax or sign a declaration at a garda station.

so I'd have to get something from the garage to show that they received it at such a date and that its idle in their forecourt since then take that to garda station get them to stamp it and then go about taxing it ?

CiniO

aidanki wrote: »

so I'd have to get something from the garage to show that they received it at such a date and that its idle in their forecourt since then take that to garda station get them to stamp it and then go about taxing it ?

You already got your answer few posts above.
You don't need to do anything like this.

TPM

there is a section on the renewal form where you enter the dates where the car wasnt taxed but belonged to the previous owner

If you are buying it from a garage i would insist on an nct before you buy it, they normally NCT them and use it as a selling point, i would be cautious if they refuse to nct it

aidanki

just one thing that struck me will the NCT be backdated for the 5mths that the car has been off the road or will the 2yrs NCT start from the date of NCT

drunkmonkey

It will be backdated, so you won't have a full 2years.

Jimdagym

drunkmonkey wrote: »

It will be backdated, so you won't have a full 2years.

Getting anal, but it will not be backdated. It will be valid from the day of test pass to the next renewal date (2 years less 5 months).

dahamsta

CiniO wrote: »

To be 100% legal, you need to wait until car is transfered into your name and tax it then. You can't drive the car before.

While this is true, I've never once seen it enforced on a newly purchased car. Myself and the wife were pulled in her week-old used car late last year via ANPR and the Garda was absolutely fine with it, didn't even want us to present when the car was taxed. I've also never, ever been given grief for being a week or so late with taxing my car, and I've never, ever heard of anyone being fined for same.

So yes, it's against the law, but I've seen people say you need to get your new car trailered home because of motor tax, and it's just plain nonsense.

fasttalkerchat

Book the NCT before you pick up the car. Write down the opening hours of the tax office. If you have these 2 pages with you and are stopped by the guards on the way back from buying the car they will more than likely believe you.

Our man in Havana

Book the NCT before you pick up the car

You will need the seller to do this.

Gumbo

Our man in Havana wrote: »

You will need the seller to do this.

all you need is the reg and first date of registration.

dr.fuzzenstein

aidanki wrote: »

hi all,

might be buying a car with tax and NCT out since Nov-2011

a few things I am wondering, can I insure it without an NCT?

I would intend getting the NCT done ASAP

what do I have to do about the tax being out since Nov-2011, its been parked up at the garage since

never bought a car with NCT tax out before so just wondering

You're only liable for tax since you own the car, whatever was paid/not paid before you bought it is not your problem. No need for any paperwork.

bazz26

I am still having trouble believing that the OP is buying the car without getting the seller to NCT it first.

OP, did you get a mechanic to inspect it prior to agreeing to buy it?

piston

I only buy cars without NCTs. You can get them cheap when someone was presented with a ridiculous quotation by some rip-off garage to correct a few minor issues.

fasttalkerchat

piston wrote: »

I only buy cars without NCTs. You can get them cheap when someone was presented with a ridiculous quotation by some rip-off garage to correct a few minor issues.

If you buy cars regularly it works out but if it is for yourself you can end up out a few hundred and no car for weeks.

dahamsta

You can if you don't scope it out correctly, check the vendor, inspect the car, etc. You could say the same about any market tbh.

piston

All an NCT cert means is that a car was road worthy on a particular day at a particular time. It potentially means very little 6 months or a year down the line.

fasttalkerchat

piston wrote: »

All an NCT cert means is that a car was road worthy on a particular day at a particular time. It potentially means very little 6 months or a year down the line.

If parts were in good enough condition to pass an NCT 6 months ago they should still be driveable now. If parts have broken you will know it from inspecting the car.

This is speculation but it is a guide

dahamsta

I agree with piston, the NCT testers don't have sight of any of the internals of the engine, hidden bearings and bushes, etc. A car could go through an NCT today and die on its ass tomorrow, and they'd be none the wiser.

An NCT should only be taken as an indicator, an inspection is a better solution, and even that doesn't guarantee anything. Both should be taken as a whole with service history, feel for seller, general condition of the car, price, receipts, etc, etc.

And ultimately, if the buyer wants to buy without an NCT, that's their lookout. Everyone plays roulette once in a while. Sometimes people even win.

TPM

I agree that a NCT doesnt really indicate that a car is in good condition.
I have experienced a car loosing its breaks 2 weeks after it passed its NCT due to a metal break pipe that had corroded through.

But saying that a NCT can identify some problems with cars that may not show up on a buyers inspection like emissions, some suspension problems.

I wouldnt mind too much buying a car privately with an expired NCT but I think its strange for a garage to be selling a car without one. I am a suspicious person at the best of times but it just doesnt seem right to me

bazz26

piston wrote: »

All an NCT cert means is that a car was road worthy on a particular day at a particular time. It potentially means very little 6 months or a year down the line.

I think you are missing the point here. The OP is buying a car that he has to go and NCT straight away, not 6 months or a year down the road. This could mean the difference between the OP having to spend money immediately sorting a potentailly expensive failure out or the seller having to sort it before the OP buys the car. If the car is fine then the seller should have no problem NCTing it either prior to putting it up for sale or as part of the sale.

ShadowHearth

bazz26 wrote: »

I am still having trouble believing that the OP is buying the car without getting the seller to NCT it first.

OP, did you get a mechanic to inspect it prior to agreeing to buy it?

I bough clk 200 with no nct. I payed 8k for it back then, when prices were 12-15k. Owners was like: I need to sell, it failed on break lines, but I changed them already, bla bla bla.
I did a usual check up and was happy with it. Booked nct and did not even had it checked out by my mechanic. It passed with flying colors.
Funny enough, I needed to meet seller again to take second set of keys of him, he was very surprised to see it pass like that.

I would write off car, just because it has short or no nct. I am not saying there are chancers amd dodgy stuff, but you can get bargains too, just because owner knows his car vetting poorly.

galwaytt

TPM wrote: »

I wouldnt mind too much buying a car privately with an expired NCT but I think its strange for a garage to be selling a car without one. I am a suspicious person at the best of times but it just doesnt seem right to me

Well I bought a 'premium' car from a well known dealer, without NCT, and he told me straight up that doesn't/won't put cars through the test, but guarantees they'll pass as part of the sale. He told ne he doesnt trust it, and thinks that its used as a cash cow for milking the trade.....

unkel

galwaytt wrote: »

he doesnt trust it, and thinks that its used as a cash cow for milking the trade.....

Nah. He is lazy and wants to keep his €55 in his pocket

Tbh I never trust those "it will pass no bother" / "I guarantee it will pass" merchants. Once they have your money, they're not interested in sorting you out. If he doesn't bother to NCT the car, I won't bother doing business with him...

TPM

galwaytt wrote: »

Well I bought a 'premium' car from a well known dealer, without NCT, and he told me straight up that doesn't/won't put cars through the test, but guarantees they'll pass as part of the sale. He told ne he doesnt trust it, and thinks that its used as a cash cow for milking the trade.....

the guarantee to pass is as good as putting it through the test if its a reputable garage.
but it doesnt sound as if the OP has been given anything like that.

As you can guess from the rest of my post above I dont put much faith in the Actual test, My reason for looking for an nct when buying from a garage isso you dont end up with repairs the garage should have covered.

and imo the NCT is milking the car owners not the trade, at the end of the day the trade charge for any work they carry out, its the owner who always foots the bill in the end

CiniO

dahamsta wrote: »

While this is true, I've never once seen it enforced on a newly purchased car. Myself and the wife were pulled in her week-old used car late last year via ANPR and the Garda was absolutely fine with it, didn't even want us to present when the car was taxed. I've also never, ever been given grief for being a week or so late with taxing my car, and I've never, ever heard of anyone being fined for same.

So yes, it's against the law, but I've seen people say you need to get your new car trailered home because of motor tax, and it's just plain nonsense.

In general that must be only in Ireland, where Police force are accomodating for badly designed law to allow people just do their regular thing.

Because yes - it is badly designed law, if people are not allowed to drive their frieshly purchased car for weeks, just because paperwork must be done.

The real way it should be organised, is the law should be changed - not the Garda should be "not enforcing it".

djimi

TPM wrote: »

But saying that a NCT can identify some problems with cars that may not show up on a buyers inspection like emissions, some suspension problems.

Exactly this. My car failed the NCT on an issue with the brake pressure, which was in no way apparent from driving the car and seemingly only showed up when tested, but took me something like 6 trips to the mechanic and several hundred quid in parts and labour before we were finally able to get to the bottom of the issue.

I agree that in general buying a car with 6 months NCT left is probably not much less of a risk than buying one with no NCT, and depending on the price difference between having an NCT and not having one it might be worth taking the punt, but buying a car with no NCT could lead to immediate problems, hassle and expense when you go to put the car through the test after you buy, and honestly the last thing Id want is to face that with my new car!

Id sooner have the owner put it through the test first before you buy; even if it fails at least you would know what you were buying into based on the NCT report.

aidanki

had a chat with the seller he is doing NCT next week for me

Vmash

Hi everyone, I'm in the process of buying a Subaru no tax and NCT for about 6 months. The car is 2008 reg and dealer assures me it'll pass and to bring it back if it doesn't. I have been offered a 3 month warranty but not sure what to do as I have never been in this kind of situation.
Thing is if things go wrong I'd be left with no car as I'm trading my old 206 for this car. Any advice will be much appreciated.

Our man in Havana

Get him to put it thru.

bazz26

Vmash wrote: »

Hi everyone, I'm in the process of buying a Subaru no tax and NCT for about 6 months. The car is 2008 reg and dealer assures me it'll pass and to bring it back if it doesn't. I have been offered a 3 month warranty but not sure what to do as I have never been in this kind of situation.
Thing is if things go wrong I'd be left with no car as I'm trading my old 206 for this car. Any advice will be much appreciated.

If the dealer is that confident then get him to put it through as part of the sale. It's alot easier to get them to sort things out before you pay over the money than it is after they have it.

Vmash

Hi guys thanks a lot for your response, I deducted the NCT fee from the price and got the car last Thursday. Thankfully it passed this Monday just gone and I was told by the NCT guy that the car is in very good condition and it should pass the next time as long as I don't get involved in a crash. Thanks again.

Anan1

Vmash wrote: »

Hi guys thanks a lot for your response, I deducted the NCT fee from the price and got the car last Thursday. Thankfully it passed this Monday just gone and I was told by the NCT guy that the car is in very good condition and it should pass the next time as long as I don't get involved in a crash. Thanks again.

That was a very silly way to buy, but thankfully you got lucky.

bazz26

Vmash wrote: »

Hi guys thanks a lot for your response, I deducted the NCT fee from the price and got the car last Thursday. Thankfully it passed this Monday just gone and I was told by the NCT guy that the car is in very good condition and it should pass the next time as long as I don't get involved in a crash. Thanks again.

Not the way to do things OP, you got lucky this time.