Motor tax-change of ownership

masterboy123

I am looking to buy a used car which is taxed till December 2014, but i am wondering since there will be change of ownership, do I need to pay myself for the road tax?
And what about insurance?
What other important paper should be done on purchasing used car??
Please help.

yr one

Tax is on the car, not on the person that owns it, even if you buy a car without tax, when the change of ownership passes to you, you only tax it from the day it became yours.

The insurance is on you and the cable you own, so yes you should have valid insurance, even if your going to collect the car ensure your insurance is in place

As for paperwork, if your buying it private then transfer of ownership on the log book should be filled In and posted immediately, then two sets of keys and that's it.

Tax, insurance and NCT are the main paperwork for a car, unless your getting finance then their is more to complete

goz83

The car is already taxed, so you don't need to tax it again until it expires. Make sure you are insured to drive the car. Fill out the logbook and see it getting posted. Some people who sell cars are very slow to post the logbook and/or misplace it.

masterboy123

Then I don't need to pay for tax, thanks.

Ok, so I need to buy insurance online if I am going to collect the car. Just checked AA insurance and its expensive! showing 1300 euros annual. Any other good insurance company?

Is the seller responsible to arrange for logbook?

sorry for my ignorance, this will be my first car in Ireland so dont know much about how things work here. Did cartell.ie checkup and things are good.

yr one wrote: »

Tax is on the car, not on the person that owns it, even if you buy a car without tax, when the change of ownership passes to you, you only tax it from the day it became yours.

The insurance is on you and the cable you own, so yes you should have valid insurance, even if your going to collect the car ensure your insurance is in place

As for paperwork, if your buying it private then transfer of ownership on the log book should be filled In and posted immediately, then two sets of keys and that's it.

Tax, insurance and NCT are the main paperwork for a car, unless your getting finance then their is more to complete

goz83

masterboy123 wrote: »

Then I don't need to pay for tax, thanks.

Ok, so I need to buy insurance online if I am going to collect the car. Just checked AA insurance and its expensive! showing 1300 euros annual. Any other good insurance company?

Is the seller responsible to arrange for logbook?

sorry for my ignorance, this will be my first car in Ireland so dont know much about how things work here. Did cartell.ie checkup and things are good.

The seller will have the logbook and you must complete your details and sign and print your name and enter date of sale. The seller signs name and logbook is sent to department of transport by seller.

It is advised to only do the deal at the sellers residence. Buying a car at Tesco car park is a terrible idea. Bring someone who can check over the car if you know nothing about cars.

Regarding insurance: ring around and try as many as possible. Don't be afraid to walk away from the car if you are not completely happy. Its best to have insurance on standby, or if someone has "drive other cars" on their policy, they can drive the car for you.

Try Liberty
One Direct
Chill

There are many many more

masterboy123

how to get the insurance on standby?
if cartell.ie shows everything is fine and the NCT was done recently (1 month ago), even then a close checkup required?

goz83 wrote: »

The seller will have the logbook and you must complete your details and sign and print your name and enter date of sale. The seller signs name and logbook is sent to department of transport by seller.

It is advised to only do the deal at the sellers residence. Buying a car at Tesco car park is a terrible idea. Bring someone who can check over the car if you know nothing about cars.

Regarding insurance: ring around and try as many as possible. Don't be afraid to walk away from the car if you are not completely happy. Its best to have insurance on standby, or if someone has "drive other cars" on their policy, they can drive the car for you.

Try Liberty
One Direct
Chill

There are many many more

CiniO

masterboy123 wrote: »

I am looking to buy a used car which is taxed till December 2014, but i am wondering since there will be change of ownership, do I need to pay myself for the road tax?
And what about insurance?
What other important paper should be done on purchasing used car??
Please help.

In short:
Tax is attached to vehicle, so when vehicle changes owner, tax is still valid.
Insurance is opposite - it's attached to a person, so you need to get your own insurance to be able to drive the car.

quadrifoglio verde

masterboy123 wrote: »

how to get the insurance on standby?
if cartell.ie shows everything is fine and the NCT was done recently (1 month ago), even then a close checkup required?

Always get a mechanic to look over the car unless you have someone with you who knows that model car inside out.
Neither cartell or the nct will confirm how good the car is. The nct means that it was roadworthy on the day that it was tested. Cartell tells you stuff like was it ever officially written off.
Neither go into the mechanicals of the car such as the engine, clutch or gearbox etc.

djimi

masterboy123 wrote: »

if cartell.ie shows everything is fine and the NCT was done recently (1 month ago), even then a close checkup required?

A lot can happen in a month. I could wreck a car on the drive home from the NCT center, patch it up with duct tape and sell it with a perfectly valid fresh NCT. So long as the car isnt a write off, stolen, clocked or under finance it wont show up as having an issue on Cartell.

djimi

masterboy123 wrote: »

Ok, so I need to buy insurance online if I am going to collect the car. Just checked AA insurance and its expensive! showing 1300 euros annual. Any other good insurance company?

You need to ring (not online quote) every insurer and broker that you can find. There is no easy way to find the best quote and it will be different for everyone (the insurer that gives me the best quote might work out the most expensive for you).

Having insurance on standby means having a quote ready that you are happy to proceed with. When you get a quote from an insurer it will usually be valid for 30 days (this number may vary but 30 days is the norm). This means you do your homework first and get the best quote for the car that you want to buy. Then when you are about to buy it you ring the insurer back up and tell them that you will be collecting the car at X time on whatever day it will be. This is when they will start the policy for you, and you pay from the day that you collect the car.

masterboy123

Thanks everyone for great information.
And where do I get the mechanic to come with me for car check and how much he charges?

Regarding insurance, would the insurance be cheaper for smaller hatchback opel 2006 model versus honda civic 2008 saloon?

colm_mcm

masterboy123 wrote: »

Regarding insurance, would the insurance be cheaper for smaller hatchback opel 2006 model versus honda civic 2008 saloon?

Yes, usually.

masterboy123

Can the difference be like 400€ annual? Or is it matter of 100€ or so only. ?

colm_mcm wrote: »

Yes, usually.

slimjimmc

CiniO wrote: »

In short:
Tax is attached to vehicle, so when vehicle changes owner, tax is still valid.
Insurance is opposite - it's attached to a person, so you need to get your own insurance to be able to drive the car.

Also make sure you are covered by an insurance policy if you test drive the car in a public place (public road, car park).

masterboy123

Do I need a mechanic to check the car if the car is from a dealer and who is giving 3 months warranty?

quadrifoglio verde

masterboy123 wrote: »

Do I need a mechanic to check the car if the car is from a dealer and who is giving 3 months warranty?

Yes I still would. Some dealer warranties aren't worth the paper they're written on.

CiniO

slimjimmc wrote: »

Also make sure you are covered by an insurance policy if you test drive the car in a public place (public road, car park).

Which is impossible to do in OP's case as he doesn't have any policy, and won't have one until he buys the car.

yr one

In regards to insurance I found AA brokers to be the best deal, it was 50 more expensive but the other company 25plus.ie, don't have great reviews, I got a quote off Fbd for 1500 and Axa for 1800, the highest by far was Allianz at 2500

slimjimmc

CiniO wrote: »

Which is impossible to do in OP's case as he doesn't have any policy, and won't have one until he buys the car.

Not quite impossible but very unlikely; it's possible to be covered by someone else's policy, such as the seller having open drive. It was just a heads up to the OP because many people don't consider insurance implications when taking a car for a spin and wrongly assume they're ok.

CiniO

slimjimmc wrote: »

Not quite impossible but very unlikely; it's possible to be covered by someone else's policy, such as the seller having open drive.

True indeed. However not many people have open drive policy.

It was just a heads up to the OP because many people don't consider insurance implications when taking a car for a spin and wrongly assume they're ok.

I'd say most people don't assume they are OK, but still do it.
I was one of them, when buying my first car. No other way to check if car was worth anything except from test driving it.

masterboy123

thanks for comments everyone.

so how do I solve my insurance problem? i cant afford to pay 1200euros for insurance only...so looking for a cheaper comprehensive insurance company with good reviews, i will add my wife as additional driver to reduce the price of insurance.

slimjimmc

masterboy123 wrote: »

thanks for comments everyone.

so how do I solve my insurance problem? i cant afford to pay 1200euros for insurance only...so looking for a cheaper comprehensive insurance company with good reviews, i will add my wife as additional driver to reduce the price of insurance.

Shop around, get on the phone or walk into brokers. What age and model car are you considering, your choice of car be a big factor with insurance.

djimi

masterboy123 wrote: »

thanks for comments everyone.

so how do I solve my insurance problem? i cant afford to pay 1200euros for insurance only...so looking for a cheaper comprehensive insurance company with good reviews, i will add my wife as additional driver to reduce the price of insurance.

Whats your driving history? You say its your first car in Ireland, so can we take it that you have a full license from elsewhere, or are you on a learner permit? Have you a NCB built up from another EU country?

masterboy123

I have had driving license from another EU country for 2 years but I exchanged it to Irish Full license 2 months ago. I rented car only and never owned car on my own anywhere. So it will be my first car and i have full irish license for 2 months only

djimi wrote: »

Whats your driving history? You say its your first car in Ireland, so can we take it that you have a full license from elsewhere, or are you on a learner permit? Have you a NCB built up from another EU country?

goz83

To do it all legally, you should simply get a quote for the car. The quote will be valid for usually a month. The AA have mechanics who can check the car. I dont think they are allowed to drive it on your behalf though. Maybe someone you know can test drive it if the car checks out ok? If you are buying, ring the insurer and get covered immediately.

josealdo

goz83 wrote: »

To do it all legally, you should simply get a quote for the car. The quote will be valid for usually a month. The AA have mechanics who can check the car. I dont think they are allowed to drive it on your behalf though. Maybe someone you know can test drive it if the car checks out ok? If you are buying, ring the insurer and get covered immediately.

i sold my van today . there was no tax on.it for the last six months . can i be caught for that tax now ?

CiniO

masterboy123 wrote: »

I have had driving license from another EU country for 2 years but I exchanged it to Irish Full license 2 months ago. I rented car only and never owned car on my own anywhere. So it will be my first car and i have full irish license for 2 months only

It's wrong logic.
Nearly every insurer asks you two separate questions.
1. What kind of licence do you hold?
2. How long have you had your licence?

Your answers should be that you hold full Irish licence for first question, and for second question answer is that you held your licence for 2 years.

goz83

figs666 wrote: »

i sold my van today . there was no tax on.it for the last six months . can i be caught for that tax now ?

No. From the date of sale, any possibility of "back tax" is dissolved. The new owner taxes it from the date of sale.

goz83

CiniO wrote: »

It's wrong logic.
Nearly every insurer asks you two separate questions.
1. What kind of licence do you hold?
2. How long have you had your licence?

Your answers should be that you hold full Irish licence for first question, and for second question answer is that you held your licence for 2 years.

That's a bit of a play on words. Are they not really asking how long you've held your full irish licence? I genuinely don't know, so I am asking here. Would it matter if the op said he swapped his licence only 2 months ago?

masterboy123

Well on the Irish driving license
it says 29.03.2014 date of issue and valid until 2014.
so I am not sure how would they check my other EU license date bcoz the NDLS took my other EU license and told me they would cancel it.

what do you advice in this case?

CiniO wrote: »

It's wrong logic.
Nearly every insurer asks you two separate questions.
1. What kind of licence do you hold?
2. How long have you had your licence?

Your answers should be that you hold full Irish licence for first question, and for second question answer is that you held your licence for 2 years.

djimi

masterboy123 wrote: »

I have had driving license from another EU country for 2 years but I exchanged it to Irish Full license 2 months ago. I rented car only and never owned car on my own anywhere. So it will be my first car and i have full irish license for 2 months only

The lack of a no claims bonus or any named driving experience is going to hurt you unfortunately. In such a case, €1200 probably isnt too far off the mark for your first years insurance. Ring around and see what the best quote you can get is, but you may need to look at getting something small to start out with (Yaris or the like) until you build up a couple of years no claims bonus.

Hifive

Hi masterboy123, I think I saw you posting on the south east (Waterford) forum.
If that was you and you are living in Waterford, you could call into Oliver Murphy insurance brokers on the quay, down near the bridge hotel and get them to arrange a quote for you.
I did this 6 weeks ago, having already gone through all the online quotes and they came up with the best deal for me.

I was finding it hard to get a quote as I had not had a policy in my own name, just named driver cover on a company car from some years ago and as a named driver on my wife's policy, on which there had been a recent claim.
None of the online systems would quote me.

Murphys offered a comprehensive policy with. Petronas insurance on a 1.9 litre saab 9-5 for €475.00
I don't have any connection with this company. I'm just a satisfied customer.

masterboy123

Yes I do live in Waterford city.
Ok I am going to check Oliver Murphy broker, the comprehensive insurance rate you mentioned here is really good.
Did the broker charge extra bucks?

Many thanks

Hifive wrote: »

Hi masterboy123, I think I saw you posting on the south east (Waterford) forum.
If that was you and you are living in Waterford, you could call into Oliver Murphy insurance brokers on the quay, down near the bridge hotel and get them to arrange a quote for you.
I did this 6 weeks ago, having already gone through all the online quotes and they came up with the best deal for me.

I was finding it hard to get a quote as I had not had a policy in my own name, just named driver cover on a company car from some years ago and as a named driver on my wife's policy, on which there had been a recent claim.
None of the online systems would quote me.

Murphys offered a comprehensive policy with. Petronas insurance on a 1.9 litre saab 9-5 for €475.00
I don't have any connection with this company. I'm just a satisfied customer.

quadrifoglio verde

The best way to get the cheapest insurance is to ring all of them up....take out the golden pages or look up the nber online.
There is no cheap insurer. An insurer who is cheap for one person could be very expensive for another. I'm convinced the actuaries just pluck the figures out of their arses because if they didn't, insurance for people in the same category should be around the same and not fluctuate by 1000s.

masterboy123

What about insurance broker? Are they any good?

quadrifoglio verde wrote: »

The best way to get the cheapest insurance is to ring all of them up....take out the golden pages or look up the nber online.
There is no cheap insurer. An insurer who is cheap for one person could be very expensive for another. I'm convinced the actuaries just pluck the figures out of their arses because if they didn't, insurance for people in the same category should be around the same and not fluctuate by 1000s.

quadrifoglio verde

masterboy123 wrote: »

What about insurance broker? Are they any good?

In my experience going directly to the insurer has worked out cheaper, however i know of people who have worked out cheaper going with the broker. They're all worth ringing. Again one broker might be able to get you a great deal, but your friend with that same broker might get the highest quote.

djimi

One of the main advantages of going through a broker is that some insurers only deal with brokers, so you might end up getting a decent quote from an insurer that you could not otherwise contact.

masterboy123

Cool
I will ring insurer tomorrow then.

goz83

Spend a good while ringing around. I do this every time and it saves me at least €200 every time. I have been known to spend 4 or 5 hours ringing around all the insurers. I saved my 38 year old brother €600 on his first quote in over 15 years with a provisional licence. Got it with AA and it included full AA membership

CiniO

masterboy123 wrote: »

Well on the Irish driving license
it says 29.03.2014 date of issue and valid until 2014.

I think it says valid until 2024... At least it should. Otherwise it doesn't make sense.

so I am not sure how would they check my other EU license date bcoz the NDLS took my other EU license and told me they would cancel it.

what do you advice in this case?

On back of your licence is a list of your categories.
In field 10, it shows date you obtained this category. This should say some date in 2012 in your case. That's the date you obtained your full licence, and that's the date you should reveal to your insurer.
Date you mentioned (29.3.2014) is a date of issuing a document, and this is completely irrelevant for insurance purposes.
That's my advice

masterboy123

So do you ask for discount over phone or they just tell you the best quote? I have full Irish license, how much do you think should my insurance be? for 1.6 or 1.8L car (2006-07 models).

goz83 wrote: »

Spend a good while ringing around. I do this every time and it saves me at least €200 every time. I have been known to spend 4 or 5 hours ringing around all the insurers. I saved my 38 year old brother €600 on his first quote in over 15 years with a provisional licence. Got it with AA and it included full AA membership

Yes, that's 2024 expiry date

on field 10: it says 11.12.02 :eek: and field 11: 21.03.24 (this is correct).
I suppose it should be 02.12.2011 as per Irish writing date format because in my previous EU country date of format is year/month/date and they have copied the same on irish driving license.
So i should say I am holding this license from December 2011?

CiniO wrote: »

I think it says valid until 2024... At least it should. Otherwise it doesn't make sense.



On back of your licence is a list of your categories.
In field 10, it shows date you obtained this category. This should say some date in 2012 in your case. That's the date you obtained your full licence, and that's the date you should reveal to your insurer.
Date you mentioned (29.3.2014) is a date of issuing a document, and this is completely irrelevant for insurance purposes.
That's my advice

CiniO

masterboy123 wrote: »

Yes, that's 2024 expiry date

on field 10: it says 11.12.02 :eek: and field 11: 21.03.24 (this is correct).
I suppose it should be 02.12.2011 as per Irish writing date format because in my previous EU country date of format is year/month/date and they have copied the same on irish driving license.
So i should say I am holding this license from December 2011?

Heh brilliant.
You hold your licence from 2nd December 2011.
But Irish licence issuing authority (not to put any names here) have written on your licence, that you hold it from 11th December 2002.
Be happy - you have your licence now for over 11 years now then. Surely this will help with reducing your premium.

djimi

masterboy123 wrote: »

So do you ask for discount over phone or they just tell you the best quote?

You bull**** them basically. Go out and get your quotes first, then ring a few of them back and say that such and such are after quoting me X amount; what can you do for me. Some will play the game, others wont. Its a bit more effective when renewing as opposed to starting from fresh, but its worth a try.

masterboy123 wrote: »

I have full Irish license, how much do you think should my insurance be? for 1.6 or 1.8L car (2006-07 models).

Youre basically asking how long is a piece of string Im afraid. There are many factors that will affect that quote you get; your personal details, your address, your occupation, where the car is kept at night, your driving history and experience and then the car itself. Its impossible for anyone to even guess really. If you want a rough guide then pick some cars on Donedeal/Carzone and bang your details into a couple of online quote systems (you dont have to give your real name or contact details, just a rough address, accurate driving history and details of the car). This will give you some idea what to expect. For a more accurate quote ring them and you may be able to haggle the price that you get quoted.

masterboy123

Well, in 2002 i was only 15 if they check my date of birth wouldn't this will cause some trouble?
Maybe i should say the truth that i hold full license since December 2011.
what do you suggest?

CiniO wrote: »

Heh brilliant.
You hold your licence from 2nd December 2011.
But Irish licence issuing authority (not to put any names here) have written on your licence, that you hold it from 11th December 2002.
Be happy - you have your licence now for over 11 years now then. Surely this will help with reducing your premium.

masterboy123

All right, i got it now.
Yes I have done rough estimate online using the reg no. from donedeal, and the quoted price is about 1100 annually for comprehensive insurance.

I will visit the insurance broker tomorrow to find out the best deal.

djimi wrote: »

You bull**** them basically. Go out and get your quotes first, then ring a few of them back and say that such and such are after quoting me X amount; what can you do for me. Some will play the game, others wont. Its a bit more effective when renewing as opposed to starting from fresh, but its worth a try.



Youre basically asking how long is a piece of string Im afraid. There are many factors that will affect that quote you get; your personal details, your address, your occupation, where the car is kept at night, your driving history and experience and then the car itself. Its impossible for anyone to even guess really. If you want a rough guide then pick some cars on Donedeal/Carzone and bang your details into a couple of online quote systems (you dont have to give your real name or contact details, just a rough address, accurate driving history and details of the car). This will give you some idea what to expect. For a more accurate quote ring them and you may be able to haggle the price that you get quoted.

djimi

masterboy123 wrote: »

Well, in 2002 i was only 15 if they check my date of birth wouldn't this will cause some trouble?
Maybe i should say the truth that i hold full license since December 2011.
what do you suggest?

Never lie to an insurance company! They will happily take your money, then use something like that as a way of not paying out on a claim if the time comes to actually use them. Always be truthful.

And you probably need to get that date sorted on your license.

goz83

djimi wrote: »

Never lie to an insurance company! They will happily take your money, then use something like that as a way of not paying out on a claim if the time comes to actually use them. Always be truthful.

And you probably need to get that date sorted on your license.

I would echo this. Get the date corrected. Better to pay more now than in the future when they can say you committed fraud. That's what it is after all if you say you held your licence since 2002.

Regarding quotes....again, ring around. One trick i always use is to ring back the insurer with the best quite and say another insurer gave me a quote slightly better and if they can beat it and add in a bonus (windscreen cover, or aa membership for example) then I will go with them right away. It has worked every time and usually shaves another €20 - €50 or so off the quote.