Temp garage car no discs on display

whomitconcerns

Car gone in for minor repair today. They gave me a 132-d temp replacement for 3 days. Just got home and reaslised there is nothing at all on the windscreen, ie no discs. I transferred my insurance...but is this asking for trouble or all garages problem?!

colm_mcm

Not that this makes it right, but no guard will give you hassle in a 132 car.

Honey-ec

I'd stick my own insurance disc on it. If you get pulled for no tax, they'll listen to your explanation about it being a loan car, then tell you to produce within 10 days regardless. They've heard every excuse in the book, you can't really blame them. If that happens, get straight onto the garage and tell them to deal with it.

_Kaiser_

Honey-ec wrote: »

I'd stick my own insurance disc on it. If you get pulled for no tax, they'll listen to your explanation about it being a loan car, then tell you to produce within 10 days regardless. They've heard every excuse in the book, you can't really blame them. If that happens, get straight onto the garage and tell them to deal with it.

Actually with my going through several loaners lately, most of which were out of tax and no insurance discs, I wasn't sure what the correct approach was really (and I figured having the discs from my own car displayed would just cause more issues) so I just carried the insurance cert and my license in the cars - my policy gives me fully comp cover on any car as long as I don't own it - figuring that should cover it in the event of questions.

What IS the done thing though? Anyone I asked (including the broker) gave me the usual "ah shure it'll be grand!" attitude which really annoys me about this country actually!

Honey-ec

Kaiser2000 wrote: »

What IS the done thing though? Anyone I asked (including the broker) gave me the usual "ah shure it'll be grand!" attitude which really annoys me about this country actually!

Well, I got pulled driving my (then) husband's STi while he was overseas. It was taxed, but I was driving it under my own policy. I put my own insurance disc in it while I was driving it, but the car being a Garda magnet, got stopped sooner rather than later. Obviously, the reg on the insurance disc was my own car, and not the Scooby. I explained this to the Garda, but got told to produce the cert within 10 days anyway. Brought it down to my local copshop the next day, and all was grand.

Going forward, if I was in the same boat again, I'd just keep the cert in the car with me.

Tax, though - not sure who's liable here, the driver or the garage.

bazz26

Putting the insurance disc of your own car in the windscreen of a different car is the same as having none as it is totally irrelevant to the other car.

CiniO

Honey-ec wrote: »

Tax, though - not sure who's liable here, the driver or the garage.

Probably both.

CiniO

whomitconcerns wrote: »

Car gone in for minor repair today. They gave me a 132-d temp replacement for 3 days. Just got home and reaslised there is nothing at all on the windscreen, ie no discs. I transferred my insurance...but is this asking for trouble or all garages problem?!

As car is new there is no need for NCT disc.
As you just transferred your policy to that car, you have 10 days from commencement day to display your insurance disc - so no problem here either.

Tax disc is the only issue here really, and garage should have sorted it.

In case you get pulled over, it's you who might be fined for driving untaxed vehicle.

delly

bazz26 wrote: »

Putting the insurance disc of your own car in the windscreen of a different car is the same as having none as it is totally irrelevant to the other car.

I'm not sure about that tbh. My old company had insurance disks without reg numbers, so they could be easily swapped over. On that basis there may be a rule in relation to the reg number not being compulsory and if so a disk from another vehicle, even with the wrong reg, could still be ok once the policy has the car under cover.

CiniO

delly wrote: »

I'm not sure about that tbh. My old company had insurance disks without reg numbers, so they could be easily swapped over. On that basis there may be a rule in relation to the reg number not being compulsory and if so a disk from another vehicle, even with the wrong reg, could still be ok once the policy has the car under cover.

Insurance discs without reg number only apply to fleet owners:

(4) In the case of vehicles owned by a fleet owner the name of the fleet owner may be inserted on the insurance disc in place of the registration number.

http://www.irishstatutebook.ie/1984/en/si/0355.html

bazz26

delly wrote: »

I'm not sure about that tbh. My old company had insurance disks without reg numbers, so they could be easily swapped over. On that basis there may be a rule in relation to the reg number not being compulsory and if so a disk from another vehicle, even with the wrong reg, could still be ok once the policy has the car under cover.

On a privately insured vehicle the insurance disc has the registration number of the car that is insured on it. Fleet insurance on multiple vehicles is a different kettle of fish altogether.

mickdw

I would think its an offence to drive with an insurance disc with the wrong reg. It could be seen as an attempt to deceive.
On a loan car, tax is the issue. Dealer should not let it out like that.

bazz26

mickdw wrote: »

I would think its an offence to drive with an insurance disc with the wrong reg. It could be seen as an attempt to deceive.
On a loan car, tax is the issue. Dealer should not let it out like that.

And afaik I think it is the responsibility of the driver to ensure the car they are driving is taxed/insured irrespective of whether they own the car or not.

Stheno

mickdw wrote: »

I would think its an offence to drive with an insurance disc with the wrong reg. It could be seen as an attempt to deceive.
On a loan car, tax is the issue. Dealer should not let it out like that.

It is, I'd a colleague who once missed a day of work as he had the cert for his missus's car in his own!

delly

CiniO wrote: »

Insurance discs without reg number only apply to fleet owners:

http://www.irishstatutebook.ie/1984/en/si/0355.html

bazz26 wrote: »

On a privately insured vehicle the insurance disc has the registration number of the car that is insured on it. Fleet insurance on multiple vehicles is a different kettle of fish altogether.

That answers that then. I wasn't aware that a specific clause existed for fleet policys.

Del2005

Honey-ec wrote: »

Tax, though - not sure who's liable here, the driver or the garage.

CiniO wrote: »

Probably both.

The operator is always responsible to make sure the vehicle they are driving is legal. The fact that a garage gives an untaxed car out doesn't make them responsible for driving it without tax, you should insist on a legal car before leaving the forecourt. It'd be the same as borrowing a car off a mate without tax.

whomitconcerns

Well it is the tax I am concerned about. Insurance I know I am covered. But am I the one going to be personally penalised for non display of tax, then I have a big problem. And I guess if I park it in a public place it could be another issue also. Are there points involved here?

seamus

There are no penalty points for tax. I really wouldn't be too worried about this. If you're that worried, print out a piece of paper that says, "On loan from garage, ring <x> for tax details" and stick it in the pocket where the tax would be.

_Kaiser_

It's another one of those Irish "grey areas" really then :rolleyes:

Yes the car should be taxed, but - especially these days - I'd imagine garages have a lot of stock hanging around that are months out of date and would cost a fortune to keep current.

Probably the best bet would be to issue all properly registered garages with trade plates/garage tax cover for any vehicles registered to them - which would also solve the issue of a car still being registered to its last owner months after the fact AND possibly eliminate some of the cowboys from the trade if you imposed stiff penalties against them should a car owned by them be found to be uninsured/untaxed?

I'm not in the motor trade of course so there's no doubt a very obvious flaw with the above, but just throwing it out there while I make my morning coffee

corktina

you can get fined for non-display of tax, unlikely though.

As for Insurance, put your details on display and be prepared to produce the cert if required. It doesn't matter a hoot what number is on the disc so long as you have it displayed and you can prove it is valid for that car.

markc1184

I had a loan from a garage about a month ago for 2 weeks, same problem as yourself, no discs in the window. I kept the letter that my insurance sent to me confirming the temporary transfer along with my original insurance certificate in the car with me and that seemed to be enough for the Garda that stopped me at a checkpoint. He didn't mention anything about the tax disc after I'd showed him the insurance stuff.