Car unroadworthy but not sure what to do with it or when we will replace it...

Drumpot

Hi,

My wife’s car is effectively a write off because of its age and what it would cost to fix up. We would be lucky to get a couple of hundred for it (somebody offered €25! :pac: ) and I’m not sure what way scrappage might work.

We may be in a position to buy a car over the coming months (not expensive) but to be honest, given what’s going on around the world we are in our heads putting off buying anything for 12 months or until it becomes clearer as to how things will pan out.

Is there any benefit to holding onto car like maybe there will be some govt scrappage deal to boost car sales?

I presume we will unregister it for tax but wouid we have to reregister it to avail of any scrappage deal? (Would that mean fixing it up thus sort of defeating the purpose of keeping it in the first place?). We won’t be buying a brand new car so Is likely we may not even qualify for a scrappage deal anyways?!

I’m also wondering if anybody knows what happens to car insurance in that my wife is insured on my car, through my insurance but technically wouldn’t have her own car for a period of time. So she might not have her own personal car insurance for a period of time.

Any other pitfalls, information or ideas would be appreciated.

SCOOP 64

I think she can keep her NCB for 2 years if its not that long before next car she will be ok.

Idbatterim

some class cars on the bangernomics thread at the moment!

ba_barabus

What car is it and what is actually wrong with it?

bazz26

Your wife's NCB on her own policy will be valid for 2 years after her current policy expires. But if she decides not to buy another car for some time then the best course of action is for you and her to rotate being the main policy holder on your car every 12 months. That way you both keep your individual NCB intact. Most insurance companies will allow this without having to change registered owner on the car because you as spouses both have an insurable interest in the car.

Regarding scrappage schemes, the current scrappage schemes are from car manufacturers and really only another term for discount. These unusually only apply to brand new cars and there are usually terms and conditions with them regarding the old car such as it has to have a valid NCT, have current tax or be no older than 10 years old, etc. Personally I don't think there is going to be any Government scrappage schemes in the near future because the economy is going to be hit very hard now for the next few years due to current circumstances, alot of people are probably going to be out of work and small to medium businesses in dire straights meaning recession. I think the Government will prioritize their financial help much higher up the scale than the motor trade.

My advice would be if you need another car urgently then keep it simple - cheap and cheerful.

JustAThought

I got 4 1/2 K scrappage on a car so unroadworthy I had to almost tow it to the garage a few years back - a good few years back. With diesels being edged out no doubt there may be govt incentives in years tocome to scrap older cars.

Im currently driving an extremely old but by a miracle fully NCT’d car - my insurance compny tells me its worthless but its worth the price of not buying a new car to me. Have you taken whatever is wrong with it to a non dealer place to have it priced to have fixed - dealers are extortinate. What is wrong it and has it failed an NCT or is it a chicken coop without wheels or floor?

Drumpot

Wow, thanks everybody for the replies, all really helpful.


Fuel filter, exhaust and multiple things quoted at about 2k (I don’t have the list as wrote car off weeks ago and then only thought about getting some advice here today!). He actually said to not bother repairing it (baring in mind he would of been paid to fix it up). He’s a family friend mechanic so we so we trust him. Car is 17 years old Opel Astra hatchback.

Idbatterim

Drumpot wrote: »

Wow, thanks everybody for the replies, all really helpful.


Fuel filter, exhaust and multiple things quoted at about 2k (I don’t have the list as wrote car off weeks ago and then only thought about getting some advice here today!). He actually said to not bother repairing it (baring in mind he would of been paid to fix it up). He’s a family friend mechanic so we so we trust him. Car is 17 years old Opel Astra hatchback.

yeah, no point if its that kind of ball park!

colm_mcm

Do you wanna spend 20k on a car just to get a discount? Just buy something for €2k instead of putting it into the Astra

ba_barabus

colm_mcm wrote: »

Do you wanna spend 20k on a car just to get a discount? Just buy something for €2k instead of putting it into the Astra

+1 To this. A 2011 Megane/Fluence would fit the bill

TigerTim

Did you see this in Bangernomics. Asking €2K



https://www.donedeal.ie/cars-for-sale/renault-megane-hatchback-diesel-silver-2009/24058828

T.