Aviva want a copy of my tax disc

Whocare

Any one know why are Aviva looking for copy of my tax disc before they will give renewal quote ?

2013 car with cheap tax 200 year

Liam McPoyle

Is it taxed and NCT'd?

If it's not or they suspect its not they may request it.

Whocare

Liam McPoyle wrote: »

Is it taxed and NCT'd?

If it's not or they suspect its not they may request it.

Of course it tax and nct like it 2013 bmw is it make no sense why they want it .

micar

I think you may need to ask them.

Whocare

Couldn't Aviva just check it on motortax.ie instead of annoying me

Cushie Butterfield

Whocare wrote: »

Of course it tax and nct like it 2013 bmw is it make no sense why they want it .

Then you’ve nothing to worry about. Just give it to them. If they’ve a problem they’ll let you know.

Whocare

micar wrote: »

I think you may need to ask them.

I will and report back

micar

Whocare wrote: »

Couldn't Aviva just check it on motortax.ie instead of annoying me

Taking a picture of it and emailing it to them is hardly annoying.

Whocare

micar wrote: »

Taking a picture of it and emailing it to them is hardly annoying.

But there just being prick must be sent within 7 days to get a renewal quote I say there hoping that poeple will forget to send it

ebbsy

I would be interested to know why as well.

Victor

Whocare wrote: »

But there just being prick must be sent within 7 days to get a renewal quote I said I hoping that poeple will forget to send it

Are you certain this message came from Aviva?

Aren't insurance renewal notices mean to come 30 days before policy expiry?

Whocare

Victor wrote: »

Are you certain this message came from Aviva?

Aren't insurance renewal notices mean to come 30 days before policy expiry?

it's definitely from Aviva official looking letter and envelope

biko

They have been asking for this for years, nothing new.

coylemj

biko wrote: »

They have been asking for this for years, nothing new.

Does anyone know why? I've never heard of an insurance company asking to see your tax disc and there's nothing about having a current tax disc in the Aviva policy document. Not that such a condition would be worth the paper it was written on.

SCOOP 64

Been with Aviva a few years now ,changed cars, transferred insurance short term, never asked for a tax disc, saying that never have with any company ask over the years.

grogi

Cushie Butterfield wrote: »

Then you’ve nothing to worry about. Just give it to them. If they’ve a problem they’ll let you know.

Why? They have no business in seeing taht. Insurance is actually a prerequisite for tax, not the other way around.

If they have a particular doubt or question, I would gladly respond. Requesting random documents is just fishing.

Next time they will request a STD panel?

colm_mcm

I guessing it’s business they don’t want to actually quote for as it doesn’t fit into whatever segment they’re targeting.

Cushie Butterfield

grogi wrote: »

Why? They have no business in seeing taht. Insurance is actually a prerequisite for tax, not the other way around.

If they have a particular doubt or question, I would gladly respond. Requesting random documents is just fishing.

Next time they will request a STD panel?

The item requested is something that you display on your windscreen for every Tom, Dick & Harry to see, so hardly a phishing exercise. Do you display your current STD’s on your windscreen?

You state that they won’t quote you for renewal without supplying it, so it’s up to you to decide whether you want a quote or not.

colm_mcm

Cushie, Would you think when pricing insurance that it would be ok to have send every insurance company a copy of your tax disc and any other similar things companies might ask for just to get a quote?

They’re looking for this info before they’ll give a renewal figure, it’s not like they’re looking for it for renewals, just for pricing.

It’s normal for an insurance company to give a renew quote before the current policy expires. Not sure if it’s a requirement but it would seem they’re using this as a way to get around giving out renewal quotes.

Cushie Butterfield

colm_mcm wrote: »

Cushie, Would you think when pricing insurance that it would be ok to have send every insurance company a copy of your tax disc and any other similar things companies might ask for just to get a quote?

They’re looking for this info before they’ll give a renewal figure, it’s not like they’re looking for it for renewals, just for pricing.

OP says it’s a renewal quote.

Edit: you added a bit in there as I was replying. Yea, could well be.

FishOnABike

If you have a driving other cars clause on your policy one reason they might look for a copy of the tax disc might be to give some reassurance that the 'main car' is not sitting up off the road while the driving other cars extension is used on an ongoing bssid to cover regular use of a larger, more powerful car which might otherwise attract a much higher premium.

Atlantic Dawn

Is there no way to check online the tax status of a car?

FishOnABike

Atlantic Dawn wrote: »

Is there no way to check online the tax status of a car?

You need the vehicle registration and PIN (issued with your motor tax reminder notice) to renew your motor tax. The motortax.ie website doesn't serm to have a way to check a vehicle's current motor tax status or renewal date.

colm_mcm

There are ways of checking it that Aviva will have access to.

antodeco

But what if your tax expires in 1 month. The tax disc request seems very odd. The first thing that came into my head was it a way for checking engine swaps or something

grogi

Cushie Butterfield wrote: »

The item requested is something that you display on your windscreen for every Tom, Dick & Harry to see, so hardly a phishing exercise.

Fishing ain't phishing....

Fishing is throwing baseless accusations (or requirements for documents) in hope that some will stick...

Atlantic Dawn

antodeco wrote: »

But what if your tax expires in 1 month. The tax disc request seems very odd. The first thing that came into my head was it a way for checking engine swaps or something

Yes but on an emissions based assessment the tax disc it doesn't change even if the engine is swapped, always stays at original emissions calculation for motor tax. Perhaps if it was a BMW X5 they were seeing if it was commercially taxed as crew cab but this doesn't stack up as they could simply go on to motortax.ie and type in the reg and they would be given the rate.


I'd love to know why they want it, you would think it would be in their interests if it was a condition of providing cover that you had your car taxed that if they didn't look for a copy of the disc it would potentially allow them to not pay out on more claims where car wasn't actually taxed.

coylemj

Atlantic Dawn wrote: »

I'd love to know why they want it, you would think it would be in their interests if it was a condition of providing cover that you had your car taxed that if they didn't look for a copy of the disc it would potentially allow them to not pay out on more claims where car wasn't actually taxed.

There is nothing about having a current tax disc in the Aviva policy document. And even if there was, it would count for nothing because they could not deny a claim on that basis.

As I already pointed out, in post #14.

Whocare

Bananas I just went out to photocopy the disc it out of date sense September I forgot to tax it as tax office just sent a email reminder. If anything I should be thanking Aviva

FishOnABike

Whocare wrote: »

Bananas I just went out to photocopy the disc it out of date sense September I forgot to tax it as tax office just sent a email reminder. If anything I should be thanking Aviva

Maybe renewing insurance on a car which hadn't valid tax for the last 4 or 5 months raised a red flag on their system if they can cross check it against the motor tax office records.

coylemj

FishOnABike wrote: »

Maybe renewing insurance on a car which hadn't valid tax for the last 4 or 5 months raised a red flag on their system if they can cross check it against the motor tax office records.

That's a valid point and for the insurance company, it would raise the suspicion that the OP is really driving a 'borrowed' high performance car under his 'driving other cars' cover and his own car is laid up so he's not bothered to tax it.

Which you suggested in post #21...

FishOnABike wrote: »

If you have a driving other cars clause on your policy one reason they might look for a copy of the tax disc might be to give some reassurance that the 'main car' is not sitting up off the road while the driving other cars extension is used on an ongoing bssid to cover regular use of a larger, more powerful car which might otherwise attract a much higher premium.

BUT .... both Aviva and Liberty will only cover you when driving another car if there is a policy in force for that car, whether it covers you or not.

galwaytt

biko wrote: »

They have been asking for this for years, nothing new.

Nope, Aviva for the SO for 3 years now, and we've never been asked for it. Nor should we tbh.