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Motor tax question!

  • 10-02-2014 1:48am
    #1
    140490
    Registered Users, Registered Users 2 Posts: 96 ✭✭


    Hows going ppl, well i bought my car on 1st of nov and was without tax till now as kinda have some bills to pay, and decided to tax it now but i have to pay 3 months arreas nov-dec-jan and another 3 months of new tax! All in total around 400 quid.

    Does it worth doing ownership transfert trick?


Comments

  • #2
    NC12
    Registered Users, Registered Users 2 Posts: 26 ✭NC12


    140490 wrote: »
    Hows going ppl, well i bought my car on 1st of nov and was without tax till now as kinda have some bills to pay, and decided to tax it now but i have to pay 3 months arreas nov-dec-jan and another 3 months of new tax! All in total around 400 quid.

    Does it worth doing ownership transfert trick?

    When I bought my car a few months ago the tax was out 2 months. The previous owner gave me the money to back tax it, cos the new laws. The girl in the tax office said I only paid from when I owned it and that the previous owner didn't have to pay either for the other months.

    May be worth changing ownership but not sure if that law really came info effect since Jan this year!


  • #3
    140490
    Registered Users, Registered Users 2 Posts: 96 ✭✭140490


    NC12 wrote: »
    When I bought my car a few months ago the tax was out 2 months. The previous owner gave me the money to back tax it, cos the new laws. The girl in the tax office said I only paid from when I owned it and that the previous owner didn't have to pay either for the other months.

    May be worth changing ownership but not sure if that law really came info effect since Jan this year!

    The new law is on now so i think saving 3 months of arrears of 200 quid is worth it.
    Thanks for the info


  • #4
    obezyana
    Closed Accounts Posts: 1,498 ✭✭✭obezyana


    Yeah save yourself some money and transfer it.

    I'm pretty sure they will close that loophole at some stage.


  • #5
    corktina
    Closed Accounts Posts: 17,733 ✭✭✭✭corktina


    If you have been using the car, you should pay the arrears.


  • #6
    Del2005
    Registered Users, Registered Users 2 Posts: 19,102 ✭✭✭✭Del2005


    140490 wrote: »
    Hows going ppl, well i bought my car on 1st of nov and was without tax till now as kinda have some bills to pay, and decided to tax it now but i have to pay 3 months arreas nov-dec-jan and another 3 months of new tax! All in total around 400 quid.

    Does it worth doing ownership transfert trick?


    Depending on the age and value of the car adding 2 more owners could cost more than the€200 your going to save. Also someone doing a history check would be wary of 3 change of ownership in less than 6 months.


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  • #7
    140490
    Registered Users, Registered Users 2 Posts: 96 ✭✭140490


    Del2005 wrote: »
    Depending on the age and value of the car adding 2 more owners could cost more than the€200 your going to save. Also someone doing a history check would be wary of 3 change of ownership in less than 6 months.

    Well its 99 ( modified) car which im going to keep as long as i can.
    Thanks guys for the info


  • #8
    Brianmeath
    Registered Users, Registered Users 2 Posts: 259 ✭✭Brianmeath


    obezyana wrote: »
    Yeah save yourself some money and transfer it.

    I'm pretty sure they will close that loophole at some stage.

    So if you change ownership you can avoid back tax? Surely they copped onto this no?


  • #9
    corktina
    Closed Accounts Posts: 17,733 ✭✭✭✭corktina


    you'd think...


  • #10
    Charlie19
    Registered Users, Registered Users 2 Posts: 11,819 ✭✭✭✭Charlie19


    obezyana wrote: »
    Yeah save yourself some money and transfer it.

    I'm pretty sure they will close that loophole at some stage.

    Who would you change the owernship to? Would this not have a impact on the insurance, I always thought you can only insure a private car if your name is on the ownership.


  • #11
    CiniO
    Registered Users, Registered Users 2 Posts: 16,069 ✭✭✭✭CiniO


    Charlie19 wrote: »
    Who would you change the owernship to? Would this not have a impact on the insurance, I always thought you can only insure a private car if your name is on the ownership.

    It would.
    That's why you sell the car to a friend and don't drive it. Then you buy it again and you can drive.


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  • #12
    pheelay
    Registered Users, Registered Users 2 Posts: 135 ✭✭pheelay


    You should be prepared to be without the car for at least 10 days:

    * Time it takes for the signed transfer of ownership to arrive in Shannon
    In most cases, the insurance policy is now void so car should not be driven, or stolen.
    * Time it takes for Shannon to process and post new VLC
    * Time it takes for new VLC to arrive, sign back to original owner and post to Shannon
    * Time it takes for the signed transfer of ownership to arrive in Shannon
    Once Shannon have processed the transfer, you should be able to tax it in the tax office without the VLC.
    140490 wrote: »
    The new law is on now so i think saving 3 months of arrears of 200 quid is worth it.

    Whether it's worth the hassle depends how much you value your time and inconvenience of being without a car vs. back tax being avoided.

    Del2005 wrote: »
    Depending on the age and value of the car adding 2 more owners could cost more than the€200 your going to save. Also someone doing a history check would be wary of 3 change of ownership in less than 6 months.

    Keep a paper trail to show to potential buyers. Personally, I'd only be wary of stories that aren't backup up with some evidence.


  • #13
    140490
    Registered Users, Registered Users 2 Posts: 96 ✭✭140490


    I have the car insured on my name and and the car now its not on my name, im driving it everyday, if they stop me, i ll sayi just bought the car and im waitting for the logbook! Simple as that :)


  • #14
    pheelay
    Registered Users, Registered Users 2 Posts: 135 ✭✭pheelay


    It's not the Gardai you need to worry about. I'm open to correction, but afaik if you were at fault in an accident while the car is not registered in your name, your insurance company can nullify the policy on the basis that you no longer have an 'insurable interest' in the car.


  • #15
    140490
    Registered Users, Registered Users 2 Posts: 96 ✭✭140490


    pheelay wrote: »
    It's not the Gardai you need to worry about. I'm open to correction, but afaik if you were at fault in an accident while the car is not registered in your name, your insurance company can nullify the policy on the basis that you no longer have an 'insurable interest' in the car.

    Thanks for info, but i don't care about that as i have excess of 3000e on my insurance, so i will never make a claim!!!


  • #16
    Dave147
    Registered Users, Registered Users 2 Posts: 3,235 ✭✭✭Dave147


    corktina wrote: »
    If you have been using the car, you should pay the arrears.

    Yeah, you should pay the arrears, then maybe Tina will be able to pay less next year.


  • #17
    corktina
    Closed Accounts Posts: 17,733 ✭✭✭✭corktina


    who's Tina?..The point is he should pay it because it's a legal requirement, and that's the only advice that should be given


  • #18
    CiniO
    Registered Users, Registered Users 2 Posts: 16,069 ✭✭✭✭CiniO


    corktina wrote: »
    who's Tina?..The point is he should pay it because it's a legal requirement, and that's the only advice that should be given

    There's no legal requirement to pay tax on a car.
    OP didn't specify if he used a car or not.


  • #19
    CiniO
    Registered Users, Registered Users 2 Posts: 16,069 ✭✭✭✭CiniO


    140490 wrote: »
    I have the car insured on my name and and the car now its not on my name, im driving it everyday, if they stop me, i ll sayi just bought the car and im waitting for the logbook! Simple as that :)

    Why are you doing that? (Just out of curiousity) ?


  • #20
    mickdw
    Registered Users, Registered Users 2 Posts: 23,688 ✭✭✭✭mickdw


    It is very possible to be insured on a car that is not in your ownership once you make them aware of that issue. Temporary transfers etc. I once drove my brother in laws old car for 2 months as I waited on delivery of a new car. Transferred my insurance onto it, told insurer the details of the owner and the circumstances as to why I was driving it. No issues.


  • #21
    SleeperService
    Closed Accounts Posts: 372 ✭✭SleeperService


    I've had the opposite experience mickdw.


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  • #22
    guil
    Registered Users, Registered Users 2 Posts: 10,534 ✭✭✭✭guil


    I'm waiting for the day someone posts up they used this loophole and the car was stolen or in an accident while it was in someone else's name. As it's been already said it's ok to insure someone else's car BUT the insurance must be notified first and it's usually just temporary.


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