Can you tax a car without insurance?

ancuncha

Hi there,
I've run into a problem, i have bought a car that was a taxi (and still has taxi tax on it).

The insurance quotes i am getting using it's reg number are crazy, €1400 for an 04 Galaxy, yet if i put in a car reg of the same car type and it's private tax the quote is around €720.

I want to have the car private, but to change it to private the motor tax office has said i have to tax the car to change it to private, but to tax the car it has to have insurance and paying that insurance is not going to happen.

I do know a garage man, with a trade policy, but he is thinking that the car would have to be in his name before he can tax it.

Any one know a way out of this situation???

you can tax a car without insurance.
just type a random number in where they ask for it

Special Circumstances

It's as legal as removing a DPF.

ancuncha

BrownFinger wrote: »

you can tax a car without insurance.
just type a random number in where they ask for it

I'm not sure if this can be done online, change from a taxi to private tax

Also i'd be weary of doing this, that info you type in will be stored on a database somewhere and they may decide to check it randomly or even in 10 years time and you would have no excuse for it.

Special Circumstances

ancuncha wrote: »

I'm not sure if this can be done online, change from a taxi to private tax

Also i'd be weary of doing this, that info you type in will be stored on a database somewhere and they may decide to check it randomly or even in 10 years time and you would have no excuse for it.

"Me finger slipped in 2008"

"you will do the hardest time there is. No more protection from the guards. I'll pull you out of that one-bunk Hilton and cast you down with the Sodomites. You'll think you've been ****** by a train! And the library? Gone... sealed off, brick-by-brick. We'll have us a little book barbecue in the yard. They'll see the flames for miles. We'll dance around it like wild Injuns! You understand me? Catching my drift?... Or am I being obtuse? "

Definitely can see this happening. Fo shizzle.

ancuncha

ancuncha wrote: »

Also i'd be weary of doing this, that info you type in will be stored on a database somewhere and they may decide to check it randomly or even in 10 years time and you would have no excuse for it.

Database?
I think youre overestimating the state :rolleyes:
Id say I could count on one hand how many times I've put in the correct details when taxing my car over the last 14 years

Seth Brundle

ancuncha wrote: »

Hi there,
The insurance quotes i am getting using it's reg number are crazy, €1400 for an 04 Galaxy, yet if i put in a car reg of the same car type and it's private tax the quote is around €720.

The insurance companies are still likely to ask if the car was ever used as a taxi and possibly up the price accordingly.

A former taxi would probably have a different resale price to a non-taxi due in part to the mileage and also the wear and tear aspect.

ancuncha

kbannon wrote: »

The insurance companies are still likely to ask if the car was ever used as a taxi and possibly up the price accordingly.

A former taxi would probably have a different resale price to a non-taxi due in part to the mileage and also the wear and tear aspect.

A lot of companies won't even quote you online, then when you ring it's more like there doing you a favor to quote at all.

Naturally ex-taxis are cheaper, it has high mileage, but thats not the issue here. Getting it change to private is the issue

Seth Brundle

ancuncha wrote: »

A lot of companies won't even quote you online, then when you ring it's more like there doing you a favor to quote at all.

Naturally ex-taxis are cheaper, it has high mileage, but thats not the issue here. Getting it change to private is the issue

My point was that even changing it to private may not make a difference as you will still have to disclose that it was once a taxi!

ancuncha

BrownFinger wrote: »

Database?
I think youre overestimating the state :rolleyes:
Id say I could count on one hand how many times I've put in the correct details when taxing my car over the last 14 years

I think your underestimating how greedy the state is

It's not happening now, but it's quite simple to implement and backdate it.

Whoever built the website will be storing the data somewhere, cross check the numbers with make/model of car, issue letter with fine.
Then it's up to you to prove you misstyped

Buffman

ancuncha wrote: »

The insurance quotes i am getting using it's reg number are crazy, €1400 for an 04 Galaxy, yet if i put in a car reg of the same car type and it's private tax the quote is around €720.

Are you doing this exclusively online or have you been ringing them? I've had similar issues with insurance in the past where the online system won't handle anything out of the ordinary, but it's solved easily by calling them. They should at the very least be able to give you a quote over the phone on the basis that you will be changing it back to private.

ancuncha wrote: »

I want to have the car private, but to change it to private the motor tax office has said i have to tax the car to change it to private

ancuncha wrote: »

I'm not sure if this can be done online, change from a taxi to private tax

No, you'll need to fill out a RF111 and post it in or call into your local motor tax office, and as they said, they'll only do it if you're paying it. You may get a slight refund/credit based on what 'taxi' tax is left on it. Again, the online system won't handle anything out of the ordinary.

ancuncha wrote: »

I do know a garage man, with a trade policy, but he is thinking that the car would have to be in his name before he can tax it.

Way too much hassle IMO.

ancuncha wrote: »

Also i'd be weary of doing this, that info you type in will be stored on a database somewhere and they may decide to check it randomly or even in 10 years time and you would have no excuse for it.

No, the insurance database is in such a bad state that the Gardai can't use it, hence all the hassle of having to produce the insurance certificate at the station. They are bringing in laws to force the insurers to provide accurate details, but it's not set up yet.

ohnonotgmail

ancuncha wrote: »

I think your underestimating how greedy the state is

It's not happening now, but it's quite simple to implement and backdate it.

Whoever built the website will be storing the data somewhere, cross check the numbers with make/model of car, issue letter with fine.
Then it's up to you to prove you misstyped

a fine for what exactly?

Special Circumstances

ancuncha wrote: »

I think your underestimating how greedy the state is

It's not happening now, but it's quite simple to implement and backdate it.

Whoever built the website will be storing the data somewhere, cross check the numbers with make/model of car, issue letter with fine.
Then it's up to you to prove you misstyped

Cross check their stored database with what exactly? A completely accurate historical record of all insurance policies for all cars? LOLZ!

You gonna hire some Russian hackers to extract this information for current and historical policies from insurers and splice it all together in a better format than insurers themselves could provide to gardai for current valid policies alone?

bazz26

This insurance database that the motor tax office have must be located in the same place as those E-voting machines.

Special Circumstances

bazz26 wrote: »

This insurance database that the motor tax office have must be located in the same place as those E-voting machines.

I hear they're going to ship all the people who used the cycle to work scheme to buy lawnmowers, baby buggies and two bikes instead of one off to work camps shortly. It's really only a matter of time before they match up the submitted invoices with number of specific models (trek 1200 999.99, suits you sir!) imported and start kicking in shed doors.

uck51js9zml2yt

Legally No. Are the details you put on the form verified?...Well that's another question!

Del2005

ancuncha wrote: »

Hi there,
I've run into a problem, i have bought a car that was a taxi (and still has taxi tax on it).

The insurance quotes i am getting using it's reg number are crazy, €1400 for an 04 Galaxy, yet if i put in a car reg of the same car type and it's private tax the quote is around €720.

I want to have the car private, but to change it to private the motor tax office has said i have to tax the car to change it to private, but to tax the car it has to have insurance and paying that insurance is not going to happen.

I do know a garage man, with a trade policy, but he is thinking that the car would have to be in his name before he can tax it.

Any one know a way out of this situation???

Distance selling means that you can cancel most online purchases within 14 days. Pick a random insurance company, take out policy, pay tax and change to private, cancel policy and take out cheaper policy with different company. Don't drive on the policy you intend to cancel.

JohnBoy26

kbannon wrote: »

The insurance companies are still likely to ask if the car was ever used as a taxi and possibly up the price accordingly.

A former taxi would probably have a different resale price to a non-taxi due in part to the mileage and also the wear and tear aspect.

Don't think any insurance company ever asked me that question

Nesser

Del2005 wrote: »

Distance selling means that you can cancel most online purchases within 14 days. Pick a random insurance company, take out policy, pay tax and change to private, cancel policy and take out cheaper policy with different company. Don't drive on the policy you intend to cancel.

Indeed. Don't think I've ever bothered to check my insurance number when renewing tax online. Have always just typed in a random number. And I have always had insurance. Number you input will never be checked even if hypotheticaly they develop systems to do so in the future

vicwatson

Yes op, another scenario in this country where the left and right hands haven't a clue what each one is doing.