Changing from CVRT to NCT

dbagman

So i bought a 141 kuga. has back seats but has had the middle seat belt removed ,i assume as its taxed commercially. Im wondering what the process is to get it on an nct. Its a private vehicle so really is of no benefit to me to have it on a cvrt. In fact given the test is every year and twice the price im worse off. Also the kuga will only be 280 a year tax as opposed to the 333 for commercial. Id say ill have to reinstate the middle belt for an nct which doesn't seem too difficult but what is the process after that? Is it just a matter of booking it for an NCT instead when the cvrt runs out next year?

colm_mcm

It's a crewcab so you may have VRT to pay as well. The other option is to pay cc based tax on it as a crewcab (which is obviously more than crewcab tax)
How is the car insured currently?

The VRT on a new kuga 4 seat is 13.3% so I think you'd only have to pay the difference.

What model is it, weren't the older ones 140ps 4x4? Those would be €390 tax I think.

bazz26

Would there not be VRT implications if it is reverting back to passenger from crewcab? If it was classed as a crewcab from day one when it would have had a lower rate of VRT paid on it than a passenger version. Might be insurance implications too.

colm_mcm

I'm guessing the vrt rate on the passenger is 23% so there would be a gap alright. Then you'd have the issue that the car was plated as 4 seater originally.

dbagman

Vrt?? Sure it's already a registered Irish vehicle. Regarding insurance I just rang up my insurance company and transferred it over to the new reg. Even if it transpires the road tax is 380 that's only 50 quid a year more than it is now. Or 100 extra over 2 years. In 2 years id only have to pay 55 for 1 nct. Or 220 for 2 cvrt. I'd still be saving not to mention the hassle of having to bring it to a test every year.

bazz26

Whether it was registered already is irrelevant when it comes to VRT. If it was first registered as a crewcab then the price would have included VRT at the reduced crewcab rate. That's the attraction of these crewcabs. Now changing it to a passenger vehicle means that the VRT rate would have been higher in the original price so Revenue will want their pound of flesh. This is to stop people from buying crewcabs cheaper on day one and then converting them to passenger vehicles afterwards and avoiding the higher rate of VRT.

Regarding insurance, you need to confirm with your insurance company that it's insured properly. Insurance companies are very awkward around insuring crewcabs/commercial vehicles privately and vice versa. You don't want to find out your not properly covered when you have to make a claim.

Cows Go µ

You definitely need to check if it's insured properly. A lot of the insurance companies won't insure it as a private car if it's technically a commercial vehicle. They probably assumed it was private car but if you try to claim it would come out that it's commercial and they may not pay out (or rather, they would pay the 3rd party claim then chase you for the money)

dbagman

I'm coming from a commercial landcruiser so I'm sure the insurance is fine as I just transferred the policy over.

dbagman

I can't find any information on this. It's all about going from private to commercial. Not the other way around.

CiniO

colm_mcm wrote: »

It's a crewcab so you may have VRT to pay as well. The other option is to pay cc based tax on it as a crewcab (which is obviously more than crewcab tax)
How is the car insured currently?

But paying CC based tax on it, won't change anything in regards NCT/CVRT.
Vehicle will still be liable to CVRT.

bazz26

dbagman wrote: »

I'm coming from a commercial landcruiser so I'm sure the insurance is fine as I just transferred the policy over.

Ok your policy sounds like it's currently commercial. This could present a problem if you do successfully change the Kuga over from commercial to private. You will need to inform you insurance company then as it is no longer a commercial vehicle. This could result in a substantial rise in your premium.

dbagman

bazz26 wrote:

Ok your policy sounds like it's currently commercial. This could present a problem if you do successfully change the Kuga over from commercial to private. You will need to inform you insurance company then as it is no longer a commercial vehicle. This could result in a substantial rise in your premium.

If anything I'd of thought less. A commercial vehicle is seen to be in constant use. Hence the need for an annual test. Where as a private vehicle is not intended to be used as much. Therefore a much lower risk as it's not on the road as much.

bazz26

dbagman wrote: »

If anything I'd of thought less. A commercial vehicle is seen to be in constant use. Hence the need for an annual test. Where as a private vehicle is not intended to be used as much. Therefore a much lower risk as it's not on the road as much.

Insurance companies may not use that logic though. Converting to a passenger vehicle will result in you carrying people in the car for social and domestic use which means in the event of an accident there is higher risk of injury which in turn means a higher probability of the insurance company having to pay out on injury claim and medical expenses. Commercial goods don't incur medical bills, passengers in a crewcab are supposed to be only in the vehicle in conjunction with the business and maybe not as frequent.

bazz26

bazz26 wrote: »

Insurance companies may not use that logic though. Converting to a passenger vehicle will result in you carrying people in the car for social and domestic use which means in the event of an accident there is higher risk of injury which in turn means a higher probability of the insurance company having to pay out on injury claim and medical expenses. Commercial goods don't incur medical bills, passengers in a crewcab are supposed to be only in the vehicle in conjunction with the business and maybe not as frequent.

All commercial policies also cover social domestic and pleasure, otherwise almost no one driving them would be insured as basically everyone who has a commercial also uses it privately and many have commercials for only private use. This applies to crewcabs in particular which are bought as they can be used as a family car also (and possibly just as a family car) unlike a two seat commercial.