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Old cars: tell us something we don't know....
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11-10-2018 4:40pm#1
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I'm only guessing here, but I suppose on a basis that you own the car.
So you buy a car, insure it (probably by vin number) and then go to council office to register it in your name and get number plates.
I'm sure Dr fuzzenstein will clarify.
In Poland if you first register a car in the country (brand new from a dealer or imported second hand), then you get your reg cert and number plates from city office. They tell you that it must be insured today. So you have until end of day to purchase third party policy. If you don't, fines will come in the post. They also check for current roadworthiness cert for imported cars.
If you buy second hand car which was already registered in Poland, then third party insurance policy comes with the car, so also no risk that new owner will fail to buy a policy.
Lets see do I understand this: you reg the (new) car, and they tell you to insure it by end of day - with whom ? Is it the State ? So it's the vehicle that 'has the policy', not the owner ?
Then, on a 2nd hand car you buy, it already has insurance on it - so you're covered to drive it when you pick up ? And when does this expire, and who gets the renewal ? I'm trying to see how a car (owned, say, by a 40 yr old), and subsequently sold to a (say, 20yr old), would be covered at an already-paid premium ? So how are premiums calculated ???
I see easy solution.
Incorporate obligatory third party insurance into motortax. You pay your motortax, and insurance is included in it.
If your tax and insurance combo runs out you have to renew it or declare car off the road. If you don't, fines follow in the post.
Simple and efficient
You think a company that came up with IW and can't do rural broadband, has the capability to do this ? - lolz.Ode To The Motorist
“And my existence, while grotesque and incomprehensible to you, generates funds to the exchequer. You don't want to acknowledge that as truth because, deep down in places you don't talk about at the Green Party, you want me on that road, you need me on that road. We use words like freedom, enjoyment, sport and community. We use these words as the backbone of a life spent instilling those values in our families and loved ones. You use them as a punch line. I have neither the time nor the inclination to explain myself to a man who rises and sleeps under the tax revenue and the very freedom to spend it that I provide, and then questions the manner in which I provide it. I would rather you just said "thank you" and went on your way. Otherwise I suggest you pick up a bus pass and get the ********* ********* off the road”
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No, not the state.Lets see do I understand this: you reg the (new) car, and they tell you to insure it by end of day - with whom ?
Is it the State ?
With any of widely available insurance companies.
Every insurance company offering car insurance on the market is obliged to provide you with quotation. They can't just say - sorry we can't offer you a cover like Irish insurers do.
Policy is attached to the vehicle, but it's vehicle owner who needs to buy it obviously. It's his duty.So it's the vehicle that 'has the policy', not the owner ?
They base premium on few factors, but mostly on owner's claims history, type of car and address of the owner.
Every policy is fully open-drive, so everyone is covered to drive the car.
Yes.Then, on a 2nd hand car you buy, it already has insurance on it - so you're covered to drive it when you pick up ?
Policies are annual, so they expire 1 year from inception of policy.And when does this expire, and who gets the renewal ?
So depending when policy started, when you buy second hand car you might get nearly full 12 months policy with the car, or it might be only few days left.
New owner is obliged to contact insurance company to update details and rewrite policy into his name (within 30 days from car purchase). They will also recalculate his premium according to his no claims history and address.
Renewal is then sent to new owner.I'm trying to see how a car (owned, say, by a 40 yr old), and subsequently sold to a (say, 20yr old), would be covered at an already-paid premium ? So how are premiums calculated ???
As above, if 20 years old buys the car, then he has to contact the insurance company which the car is insured with to update owners details. Very likely they'll ask him for extra premium if especially if his NCB will be lower than 40 years old seller.
Premium payment is obligatory. Renewals are automatic.
So in short, if you don't renew your policy, insurance company will renew it automatically for you and will chase you for a premium.0 -
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