Car Insurance - They require copy of tax disc?

Rogue_IRL

Have searched around the threads this morning and can't find anything covering this.

My policy was up for renewal (old one ran out last night) so I switched to another insurer yesterday and chose to pay by installments, and so paid the deposit up front.
On the phone they told me they'd need a copy of the front & back of the licence and a copy of No Claims Bonus cert inside the next 10 days before they would send out the new Insurance Cert. No problem, will supply those I said.
However, when they emailed out my 'Policy Pack' as they called it, later on yesterday it also lists that they require a copy of a current tax disc.
Problem is, the car is not currently taxed, and I can't afford to tax it inside the 10 days they require to send it in to them by.
Also, as far as I'm aware, I can't tax my car without an insurance policy?

In all the years I've been driving, I've never been asked for a copy of tax disc. NCT yes, but never tax disc.
I'm in a right mind to cancel this policy inside the cooling off period and switch to another insurer who does not require a copy of tax disc. In fact, I might have no other option but to do so as I am won't be in a position to tax the car for a few weeks yet.

Any advice or info would be greatly appreciated.

Atlantic Dawn

Most likely they are now checking the car for valid NCT and Tax at time of quote and this was flagged that your car didn't have current tax.

eezipc

I have never been asked for that either but a friend of mine has. His car had recently been bought by him and I think it was a way for the Insurance company to verify he actually owned the car.

Liam McPoyle

Rogue_IRL wrote: »

Have searched around the threads this morning and can't find anything covering this.

My policy was up for renewal (old one ran out last night) so I switched to another insurer yesterday and chose to pay by installments, and so paid the deposit up front.
On the phone they told me they'd need a copy of the front & back of the licence and a copy of No Claims Bonus cert inside the next 10 days before they would send out the new Insurance Cert. No problem, will supply those I said.
However, when they emailed out my 'Policy Pack' as they called it, later on yesterday it also lists that they require a copy of a current tax disc.
Problem is, the car is not currently taxed, and I can't afford to tax it inside the 10 days they require to send it in to them by.
Also, as far as I'm aware, I can't tax my car without an insurance policy?

In all the years I've been driving, I've never been asked for a copy of tax disc. NCT yes, but never tax disc.
I'm in a right mind to cancel this policy inside the cooling off period and switch to another insurer who does not require a copy of tax disc. In fact, I might have no other option but to do so as I am won't be in a position to tax the car for a few weeks yet.

Any advice or info would be greatly appreciated.

As Atlantic Dawn said, its likely a control mechanism, I can see it becoming more popular with insurers too.

You don't have to tax your car annually so can you afford the price of it for 3 months?

Rogue_IRL

I will only be taxing it for 3 months when I do, thing is, it's the few months back tax that's making it prohibitively expensive for me just right now.

millington

Seems a bit strange to me. I have often insured cars TPFT that were off the road simply for fire & theft purposes while waiting to put them back on the road. Wouldn't expect to be refused over it.

BoatMad

millington wrote: »

Seems a bit strange to me. I have often insured cars TPFT that were off the road simply for fire & theft purposes while waiting to put them back on the road. Wouldn't expect to be refused over it.

generally these days insurance companies will not cover vehicles that are not NCT compliant at the point of taking out the insurance

savagethegoat

OP living up to his name.

millington

BoatMad wrote: »

generally these days insurance companies will not cover vehicles that are not NCT compliant at the point of taking out the insurance

What has the NCT got to do with tax?

Rogue_IRL

The car is NCT'd, just not taxed currently.
Was refused per se, just according to their email they sent yesterday they won't issue Insurance Cert without first receiving a copy of licence, No Claims Bonus cert & current Tax Disc. Was expecting them to require licence & no claims bonus anyways (as they requested on the phone), but what bugs me is that I was only made aware they required a copy of a current tax disc AFTER they took payment for the deposit on the policy.

Rogue_IRL

Also, what equally bugs me is that I can't now tax the car without an insurance policy anyways.
So they have left me completely between two stools...

jimgoose

eezipc wrote: »

...a way for the Insurance company to verify he actually owned the car.

You know, I expect it probably is, because it does absolutely no such thing, nor even a reasonable attempt at it. :pac:

christy02

Rogue_IRL wrote:

Also, what equally bugs me is that I can't now tax the car without an insurance policy anyways. So they have left me completely between two stools...

Just tax it online. When it asks for instance policy number just type in 123456 or similar. I always do that as couldn't be bothered going to look at the disc or find the cert. Doesn't reference it against anything.

millington

Rogue_IRL wrote: »

Also, what equally bugs me is that I can't now tax the car without an insurance policy anyways.
So they have left me completely between two stools...

Yes you can. Fill in absolutely anything in the insurance section. Mumbo jumbo, even write NO INSURANCE. It makes no odds whatsoever

Rogue_IRL

Not strictly true Millington, the local motor tax office require the insurance policy details before they will tax a vehicle.
I will be taxing this vehicle for the first time since I bought it.

Rogue_IRL

Also, if it is required just as a means to verify that I actually own the car, could I not supply them with a copy of the front page of the logbook instead?

BoatMad

Rogue_IRL wrote: »

Also, if it is required just as a means to verify that I actually own the car, could I not supply them with a copy of the front page of the logbook instead?

a logbook you didn't have ...... at the time.

They just check via ANPR

Special Circumstances

Rogue_IRL wrote: »

could I not supply them with a copy of the front page of the logbook instead?

NO.
You'll also need a letter from your priest/rabbi/whatever and a letter on headed paper from your local Xtravision confirming that you have never been late returning a video, or rented anything more extreme than a PG rating.

It's about your moral fibre more than anything else. It's for your own good.

Rogue_IRL

eezipc wrote: »

I have never been asked for that either but a friend of mine has. His car had recently been bought by him and I think it was a way for the Insurance company to verify he actually owned the car.

jimgoose wrote: »

You know, I expect it probably is, because it does absolutely no such thing, nor even a reasonable attempt at it. :pac:

BoatMad wrote: »

a logbook you didn't have ...... at the time.

They just check via ANPR

I don't follow, I have the logbook in my name sitting on the desk in front of me...?

Rogue_IRL

Sorry, about the multi-quote there in the previous post, only getting to grips with using Boards.ie
Long time reader, first time poster....

BoatMad

Rogue_IRL, just hat are you complaining about , you were stopped , asked a few questions and allowed to continue on your way with a warning to get the car taxed

what is the issue

savagethegoat

am I reading some of these posts wrong?

Is this the story? his Ins Co want a copy of a tax disc he doesn't have..... nought to do with gards or NCT

Rogue_IRL

BoatMad wrote: »

Rogue_IRL, just hat are you complaining about , you were stopped , asked a few questions and allowed to continue on your way with a warning to get the car taxed

what is the issue

Don't think you've read the original post BoatMad

savagethegoat

Rogue_IRL wrote: »

Not strictly true Millington, the local motor tax office require the insurance policy details before they will tax a vehicle.
I will be taxing this vehicle for the first time since I bought it.

you can tax an uninsured car online as described for 3 months

Special Circumstances

Rogue_IRL wrote: »

Don't think you've read the original post BoatMad

Rogue_IRL

savagethegoat wrote: »

you can tax an uninsured car online as described for 3 months

When I tried to tax the car online a couple weeks back it wouldn't let me and said I'd need to do it in person as it was my first time taxing the car.

laoisfan

I had taken a car off the road about 1.5 years ago, eventually sold it.

Anyway, got a small car back in March (a 98 Nissan Micra).

AXA said no bother to insuring it (3rd party F&T).

I had to supply the following:

1) Copy of my driving licence & also my wife's licence (she is named driver).
2) Copy of NCT Disc, it's NCTed until end of July'16.
3) My NCB letter from previous insurer.
4) Copy of car registration showing car is indeed in my name & also with my address on it.
5) A letter from my wife's current insurer stating how long I was a named driver on her policy & details any claims i.e. Named Driving Experience letter.

Once I emailed all those off to them they dispatched the insurance disc to me (took 10 days). In the meantime they gave me the policy number which allowed me to tax my car online.

Simple.....for me anyway.

laoisfan

Rogue_IRL wrote: »

When I tried to tax the car online a couple weeks back it wouldn't let me and said I'd need to do it in person as it was my first time taxing the car.

Once the car is registered in your name you can retrieve the pin online from the Motor Tax website and then proceed to tax the car. I've done that for my current car and last few cars including my wife's when taxing for the first time.

Rogue_IRL

laoisfan wrote: »

Once the car is registered in your name you can retrieve the pin online from the Motor Tax website and then proceed to tax the car. I've done that for my current car and last few cars including my wife's when taxing for the first time.

Already tried that Laoisfan but it wouldn't allow me to get the PIN as the car is expired more than 3mths...

millington

Rogue_IRL wrote: »

Not strictly true Millington, the local motor tax office require the insurance policy details before they will tax a vehicle.
I will be taxing this vehicle for the first time since I bought it.

Fill in anything. Use your old policy number, anything at all once the box is filled

Rogue_IRL

millington wrote: »

Fill in anything. Use your old policy number, anything at all once the box is filled

Can't tax car online Millington as tax is expired more than 3 mths and so I have to pay in person at local tax office where they look for a copy of insurance cert.

wonski

Rogue_IRL wrote: »

Can't tax car online Millington as tax is expired more than 3 mths and so I have to pay in person at local tax office where they look for a copy of insurance cert.

No, they don't.

You already have a policy number, even if you don't have cert yet.

Should be somewhere in the paperwork you got from your new insurer.

_Kaiser_

OK.. here's what you do.

Either tax it for 3 months (paying the back taxes) or sell it to a family member (for 1 EUR) and send off the logbook

Once the family member gets the book back in their name, they sell the car back to you and you send the book off again

You will then get the book back in your name and tax is only due from the date ownership was transferred to your name.

Lots of threads here about it (it's a grey area but AFAIK the powers that be are well aware of this loophole but have done nothing about it). Note though that this won't happen in the 10 days so your choice will be to cancel the insurance and wait it out, or pay the tax and arrears in person at the tax office.

Pagliuca

Rogue_IRL wrote: »

Can't tax car online Millington as tax is expired more than 3 mths and so I have to pay in person at local tax office where they look for a copy of insurance cert.

I taxed my car last week and it's out since December 2015. Where are you getting this idea you can't tax a car online if it's expired by more that 3 months? It's not true.

Fill in any old sh1te on the insurance part. It makes no difference.

Rogue_IRL

Pagliuca wrote: »

I taxed my car last week and it's out since December 2015. Where are you getting this idea you can't tax a car online if it's expired by more that 3 months? It's not true.

Fill in any old sh1te on the insurance part. It makes no difference.

I'm getting this idea from the Motortax.ie website.
I don't have a PIN to tax this vehicle online as I haven't taxed the vehicle since I bought it a few months ago.
When I fill in the fields looking to get a PIN from the website it says;

"PIN Retrieval Unsuccessful
The tax on this vehicle expired more than 3 months ago. Your motor tax transaction must be completed through your local motor tax office."

lollsangel

Rogue_IRL wrote: »

I'm getting this idea from the Motortax.ie website.
I don't have a PIN to tax this vehicle online as I haven't taxed the vehicle since I bought it a few months ago.
When I fill in the fields looking to get a PIN from the website it says;

"PIN Retrieval Unsuccessful
The tax on this vehicle expired more than 3 months ago. Your motor tax transaction must be completed through your local motor tax office."

Use the last 6 letters/digits of the vin number....worked for me last week the vrt wad paid the day before

Rogue_IRL

Anyways, resolved finally, for anyone interested...
I cancelled the policy with the insurers and just renewed my old policy even though it was slightly more expensive, but at least they're not looking for a current tax disc. Am also getting a full refund on the deposit paid to the other insurers, incl. the €55 set up fee they initially advised I would not be entitled to a refund for. But I argued that I was sold the policy and the money was deducted BEFORE I was made aware of them looking for a copy of the tax disc.

Where things gets really infuriating though, in both cases the policy was being underwritten by the same underwriters, but only one of the sellers required a current tax disc. WTAF?!?!?

I was aware that some people do a dodge on the logbook by selling it back and over with the log book to avoid paying motor tax, but I don't want to dodge any tax, I do want to pay it. Just cannot afford at the minute for another few weeks.

Thank you to all the helpful contributors.

The Irish Motor Insurance Industry - is there a more infuriating & unscrupulous gang of scutterboxes that we, the public, have to deal with?
I got scalded with the Setanta Insurace thingy a couple years back too.

Rogue_IRL

lollsangel wrote: »

Use the last 6 letters/digits of the vin number....worked for me last week the vrt wad paid the day before

Just out of curiosity Lollsangel, I tried to log in just now using the last 6 digits of the VIN on the logbook as the PIN and it won't allow me, saying the details are incorrect.

jca

I renewed my insurance with 123.ie and they asked me for a photo of both my tax and nct discs. I taxed the car for the year last September and the test doesn't expire until October 2017. I thought it was a strange request but I just emailed it to them from my phone.

lollsangel

Rogue_IRL wrote: »

Just out of curiosity Lollsangel, I tried to log in just now using the last 6 digits of the VIN on the logbook as the PIN and it won't allow me, saying the details are incorrect.

I used the ones on the windscreen it was like j73431 I thought it wouldnt work bcos it has a letter but it did.

Kenny Logins

lollsangel wrote: »

Use the last 6 letters/digits of the vin number....worked for me last week the vrt wad paid the day before

That only works for the first tax disc after paying the VRT.

goz83

Rogue_IRL wrote: »

Anyways, resolved finally, for anyone interested...
I cancelled the policy with the insurers and just renewed my old policy even though it was slightly more expensive, but at least they're not looking for a current tax disc. Am also getting a full refund on the deposit paid to the other insurers, incl. the €55 set up fee they initially advised I would not be entitled to a refund for. But I argued that I was sold the policy and the money was deducted BEFORE I was made aware of them looking for a copy of the tax disc.

Where things gets really infuriating though, in both cases the policy was being underwritten by the same underwriters, but only one of the sellers required a current tax disc. WTAF?!?!?

I was aware that some people do a dodge on the logbook by selling it back and over with the log book to avoid paying motor tax, but I don't want to dodge any tax, I do want to pay it. Just cannot afford at the minute for another few weeks.

Thank you to all the helpful contributors.

The Irish Motor Insurance Industry - is there a more infuriating & unscrupulous gang of scutterboxes that we, the public, have to deal with?
I got scalded with the Setanta Insurace thingy a couple years back too.

Good that you got it resolved, but the length of time the tax is out is irrelevant, as the tax starts from zero when the car ownership is transferred. What happened here was that you did not tax the car in time after the transfer. You are NOT responsible for taxes unpaid by previous owner. Also, I would say it's a bigger offense to be driving the car without tax. If you can't afford to tax it, you can't afford to drive it.

Rogue_IRL

goz83 wrote: »

Good that you got it resolved, but the length of time the tax is out is irrelevant, as the tax starts from zero when the car ownership is transferred. What happened here was that you did not tax the car in time after the transfer. You are NOT responsible for taxes unpaid by previous owner. Also, I would say it's a bigger offense to be driving the car without tax. If you can't afford to tax it, you can't afford to drive it.

You're making a few unfounded assumptions here Goz83......

Skatedude

Why are you wasting money insuring the car now if you wont be using it until you can afford to tax it?

Rogue_IRL

Insuring it 3rd party fire & theft, in case it get's, well, stolen or goes on fire...

goz83

Rogue_IRL wrote: »

You're making a few unfounded assumptions here Goz83......

Enlighten me.

The car was already insured by your current insurer. You have owned the car over a month (otherwise you'd have been able to tax it online). It's certainly possible you're not using it, but if I was cash strapped, I know I wouldn't be insuring a car I wasn't going to be driving....but that's just me. Insuring against theft and fire alone is not a bad idea.

You are only liable for the taxes owed since the start of the month you took ownership. So it's 3 months ahead plus X months arrears.

Rogue_IRL

I dunno if you've read the full thread from the beginning there goz.
Not sure what point you're trying to make about the taxes owed, I'm not disputing any of the taxes owed and am well aware of how much tax I have to pay and will be paying once I have enough money put together to do so in a few weeks. Nor did I ever think I was liable for unpaid taxes by previous owner.

The car is parked in front of the house on the side of the road, which also happens to be on a bend but there's nowhere else to park it. It's still on our property but, close to the edge of the road, but still completely on our property. So it's no harm at all in insuring it 3rd party fire & theft, anyone taking the corner too fast or meeting an oncoming vehicle...etc...
Your comment that "If you can't afford to tax it, you can't afford to drive it" isn't helpful at all and is just pedantic, unnecessary & smart-arsey for the sake of smugness and being smart-arsey.

I'm not someone who likes to 'dodge' tax or any other civic payment, nor some boy-racer or whatever trying to pull any kind of a stroke or stunt. I'm just someone who has come under financial hardship in the past 12 months as a result of ill-health, and sometimes some people find it hard to make all ends meet, but we do our best as we can.

If you'd bothered to read the full thread you would've seen that my gripe was more to do with the insurers sold me a policy & took deposit payment having advised me on the phone that they just required a copy of my licence & no claims bonus cert. It was only after payment of deposit was made that they informed me that they also required a copy of tax disc, which, obviously given all detailed, I wasn't in a position to provide. I am now without the value of the deposit paid for the policy I had to cancel and am out of pocket for this amount for the 5-7 working days they are telling me it will take them to refund it.

goz83

Perhaps your reading too much into my post while in a heightened emotional state, partially resulting from the insurance company blind siding you. Understandable.

My comments on tax were because you said you couldn't pay it online due to the arrears. I was clearing up any possible confusion on the matter, as you seemed to suggest it was out more than 3 months and seemed to suggest your bought the car more recently.

Plenty of us have fallen on hard times and some due to ill health (myself included). Maybe take a chill pill and, wait for your refund and tax your car in the tax office when you can afford to. Have a good one

mgbgt1978

lollsangel wrote: »

Use the last 6 letters/digits of the vin number....worked for me last week the vrt wad paid the day before

Once a VLC has been issued the PIN becomes the last 6 digits of the VLC number.....not the VIN number.
If you try and tax your car online next time it's due the PIN will no longer be the last 6 digits of the VIN.
Not having a go at your post, just putting it out there how the PIN system works.

Rogue_IRL

goz83 wrote: »

Perhaps your reading too much into my post while in a heightened emotional state, partially resulting from the insurance company blind siding you. Understandable.

My comments on tax were because you said you couldn't pay it online due to the arrears. I was clearing up any possible confusion on the matter, as you seemed to suggest it was out more than 3 months and seemed to suggest your bought the car more recently.

Plenty of us have fallen on hard times and some due to ill health (myself included). Maybe take a chill pill and, wait for your refund and tax your car in the tax office when you can afford to. Have a good one

Couldn't resist another ill-informed, unhelpful, unnecessary, pedantic, @rseholey dig again there could you goz?
Could argue your post further but these boards aren't the place for it. Nor do I have the patience for you.
Easier just to IGNORE you further. Ignored.

Rogue_IRL

mgbgt1978 wrote: »

Once a VLC has been issued the PIN becomes the last 6 digits of the VLC number.....not the VIN number.
If you try and tax your car online next time it's due the PIN will no longer be the last 6 digits of the VIN.
Not having a go at your post, just putting it out there how the PIN system works.

Pardon my ignorance, but what's the VLC number mgbgt1978? Would be handy to know so that I can tax it online when the time comes, instead of having to drive the hour to the local motor tax office.