Tax, insurance or NCT first?

inna981

Hi,

Just bought a car and have it transferred into my own name.
The car has no tax, insurance or NCT on it at the moment.

My question is, which one would I have to apply for first?
Thanks!

biko

Insure it first, then get tax (you need insurance policy number for this).

Atlantic Dawn

Yes insurance and then tax but book the NCT straight away so you have a booking number, if you go through a checkpoint with no valid NCT the car can be seized even with a booking made but Gardaí might look on it favourably with a booking made. Check all lights and tyres are 100% legal too.

zilog_jones

You can transfer your insurance immediately over the phone - I would not drive it on public roads until this is done. The others can't be done until you get the logbook, which will take a few days. Would be a good idea to keep proof of purchase of the car with you in case you get stopped at a checkpoint.

Del2005

zilog_jones wrote: »

You can transfer your insurance immediately over the phone - I would not drive it on public roads until this is done. The others can't be done until you get the logbook, which will take a few days. Would be a good idea to keep proof of purchase of the car with you in case you get stopped at a checkpoint.

You can check motortax.ie and see when the transfer is done, then request a pin and tax it.

biko

biko wrote: »

Insure it first, then get tax (you need insurance policy number for this).

no you dont!
any made up number will do:cool:

biko

Yes, but I like to go by the books

FishOnABike

The topic has cropped up before, with as many opinions as there are posts http://www.boards.ie/vbulletin/showthread.php?t=2056921697

Insurance is a must if it is kept or driven in a public place. Different opinions have been given in posts on whether there is any derogation on tax and/or NCT travelling to/from the test centre on the day of the test. I'd advise getting proper confirmation before chancing it as otherwise any car with tax overdue by more than two months can be seized and driving without a valid NCT is 5 penalty points and a fine of up to €2,500.

inna981

Thanks everyone for your replies.
Forgot to mention this is my first car. First time insurance. The car was in my mothers name until the start of this month and had not been driven since the NCT was up (February 2016).

So I would have to insure first, tax then NCT?

1. Get insurance.
2. Get a pin and tax the car.
3. Drive it in to the NCT centre taxed and insured with the logbook and proof that I had booked NCT on that day.

Thanks again lads :cool:

cplwhisper

inna981 wrote: »

Thanks everyone for your replies.
Forgot to mention this is my first car. First time insurance. The car was in my mothers name until the start of this month and had not been driven since the NCT was up (February 2016).

So I would have to insure first, tax then NCT?

1. Get insurance.
2. Get a pin and tax the car.
3. Drive it in to the NCT centre taxed and insured with the logbook and proof that I had booked NCT on that day.

Thanks again lads :cool:

Insurers won't cover non-NCT cars on policy.

cplwhisper

Now if it's booked for test u might have little lee-way

uck51js9zml2yt

You dont need the log book to tax it.

What you do need to be in the legal owner.
Once the log book is sent off (make sure you see it posted) give it a few days and call your local mto to check if its done.

BronsonTB

Once the change of ownership is sent, give it 2-3 days, check on the motortax.ie website that it has changed over, you can then request the PIN & tax it online

uck51js9zml2yt

BronsonTB wrote: »

Once the change of ownership is sent, give it 2-3 days, check on the motortax.ie website that it has changed over, you can then request the PIN & tax it online

Or call your local MTO and see if they will give it to you.

mgbgt1978

cplwhisper wrote: »

Insurers won't cover non-NCT cars on policy.

Some will, others won't.
The number that won't is getting smaller.

ihavethepower

You cannot drive on the road without tax and insurance, whatever about NCT, if a Garda sees an out of date tax disc that’s it. You need to put an insurance policy against a tax disc so they’ll question this also.

You could trailer it – but that’s a massive and expensive PITA, especially if a retest is required (quite likely too if the vehicle has been sitting up for a while).
1. No Tax – you have two options here (A) Tax the car (B) If you don’t want to pay a lot of back tax -Sell the car to a trusted friend or relative with a view to buying back after the NCT and tax from their address . As the seller, you could theoretically get a letter to pay 6 months back tax, but i dont see any evidence of this situation ever happening since the signing off the road declaration, legal swiss cheese. Also, very important!- your wife or civil partner cannot be the car owner as an insurer will maintain you still have a financial interest in the vehicle, if its an unmarried partner that's ok.The tax form requires an insurance policy number, so you definitely want one of these (some say you can put in jibberish in that field, my advice here would be to imagine a court scenario giving a judge an explanation for said jibberish) You need insurance -step 2.

2. No insurance – you will not get insurance on a car without an NCT, but you will get it on a different car. If you have chosen option (A) and paid the tax on a car YOU OWN, an insurer will not cover you to drive it. However, most policies cover another person to drive a vehicle they don’t own ‘third party’, so you can either get someone with a valid policy to drive your car to the NCT OR select option (B) above, get a policy on a different vehicle and drive your ‘trusted friend/ relatives’ car to the NCT.
Most policies will stipulate valid NCT/roadworthiness, but in the event of an accident it’s the insurance assessors who determine the vehicle state or roadworthiness. Common sense prevails here, if the vehicle doesn’t seem fit to drive to the NCT ie. Bald tyres, dodgy brakes– then you shouldn’t drive it!

3. Getting to the NCT. So you can book your NCT to within about 3 days now which is great .
The Gardai will not/cannot penalise you for having no NCT, if you are on the way to the test OR have a test booked and visiting a mechanic. Obviously you will have to produce evidence of such, otherwise 5 penalty points and sizable fine – the NCT booking confirmation text or printout should sort that out.
So there you have it, the moral of the story is: don’t leave a car sitting idle, its value depreciates and costs more money to fix as parts decay. After a month, either sell or SORN.
Hope this helps anybody in a similar predicament.