Collecting a car when not taxed and insured?

Airyfairy12

Hi, this is very stupid question but wondering if anyone can answer it for me as im clueless.
Im a first time driver with a provisional licence and I want to buy a second hand car.
My question is, how do you collect the car if youre not taxed and insured? Is it possible to get insurance before I buy the car?

Thanks

Wanderer19

Yes, confirm your quote beforehand then ring the insurance Co. When you're there, or have it prearranged for insurance to start at a specific time.
And make sure you either have a licensed driver, to collect the car with you, or even better, if you have a parent/partner on your policy.

Airyfairy12

Wanderer19 wrote: »

Yes, confirm your quote beforehand then ring the insurance Co. When you're there, or have it prearranged for insurance to start at a specific time.

Great, thank you.

SuB-Zero_Ire

You can get insured for the car in advance and have the start date set for the date of collection. You can't tax the car until you get the log book which could take a couple of weeks to arrive after purchase. The tax will be back dated to the date of purchase.

kirving

What most people do, is check out what the insurance will cost, and then buy the car.

After that, you have a few options basically when buying second hand.

A) Ask a friend who is insured to drive other cars, to take it home for you until you can sort insurance. I've done this for friends.

Call the insurance company there and then and get insured over the phone.

C) Get the seller to drop it off at your house.

SuB-Zero_Ire

Kevin Irving wrote: »

What most people do, is check out what the insurance will cost, and then buy the car.

After that, you have a few options basically when buying second hand.

A) Ask a friend who is insured to drive other cars, to take it home for you until you can sort insurance. I've done this for friends.

Call the insurance company there and then and get insured over the phone.

C) Get the seller to drop it off at your house.

For A) for most insurance policies that allow you to drive other cars, the other car must also have an insurance policy on it so you probably wouldn't be covered.

shaveAbullock

The only thing I can't understand is how to tax the car to drive it home.
You need the log book in your name to tax a car and that takes several days.

SuB-Zero_Ire

shaveAbullock wrote: »

The only thing I can't understand is how to tax the car to drive it home.
You need the log book in your name to tax a car and that takes several days.

Once you have the receipt you're good to drive the car with no tax as you can show that you're waiting for the log book to tax the car.

For a private sale with no receipt make sure you take a photo of the log book filled out to show that you purchased the car.

shaveAbullock

SuB-Zero_Ire wrote: »

Once you have the receipt you're good to drive the car with no tax as you can show that you're waiting for the log book to tax the car.

Is this outlined in law somewhere?

SuB-Zero_Ire

shaveAbullock wrote: »

Is this outlined in law somewhere?

I'm not exactly going to go search and quote the law for this. I purchased a car in November and was stopped a week later at a check point. Just showed them the receipt of purchase and that I was awaiting the log book.

shaveAbullock

SuB-Zero_Ire wrote: »

I'm not exactly going to go search and quote the law for this. I purchased a car in November and was stopped a week later at a check point. Just showed them the receipt of purchase and that I was awaiting the log book.

Could it be at the guards discretion then?

punisher5112

SuB-Zero_Ire wrote: »

Once you have the receipt you're good to drive the car with no tax as you can show that you're waiting for the log book to tax the car.

For a private sale with no receipt make sure you take a photo of the log book filled out to show that you purchased the car.

Just so you are aware one can still be done for no tax but in near all cases the guard will use their discretion.

Buy new car, take photos of all 4 sides of the VLC, especially after you fill in your details, do not buy unless you know your cars or at the very least have someone with you that does.... Best to have it checked over by a mechanic or someone that knows their cars....

NCT if applicable is a must as this can't be out to drive in public at all.... Th

Oy time legally you can drive a car without tax is to an NCT test or back and if you need repairs before the test.....this must be signed off the road for this to actually comply with law....

Insurance as you are aware is a must also so have someone with open drive or yourself get your own policy on the vehicle before you drive away but of course only if you have a fully licenced person of 2 years or more with you....

Best of luck and happy motoring.

SuB-Zero_Ire

shaveAbullock wrote: »

Could it be at the guards discretion then?

What do they expect you to do. I purchased second hand from a main dealer. Log book is filled out on date of collection. Am I suppose to just leave the car at the dealers until I get the new logbook to tax the car which is dackdated to the date of purchase anyway. My log book took just over 4weeks to get sorted as they filled in the wrong name and had to send it back to get reissued.

Do a bit of googling and you'll find the law somewhere that you have a month or so to tax a newly purchased secondhand car.

shaveAbullock

SuB-Zero_Ire wrote: »

What do they expect you to do. I purchased second hand from a main dealer. Log book is filled out on date of collection. Am I suppose to just leave the car at the dealers until I get the new logbook to tax the car which is dackdated to the date of purchase anyway. My log book took just over 4weeks to get sorted as they filled in the wrong name and had to send it back to get reissued.

Do a bit of googling and you'll find the law somewhere that you have a month or so to tax a newly purchased secondhand car.

Exactly, it's a very obvious problem so you would think it is covered somewhere in law. I did google and could not find anything about a 1 months grace but perhaps it is there somewhere.

Are all cars that have out of date tax expected to be transfered by a trailer?
It's a shame it has to be in your own name to tax it. I do wonder why they don't let anywho who wants to tax a car do so. That way you could just use your phone to pay for tax before driving off after a sale.

Wanderer19

shaveAbullock wrote: »

Could it be at the guards discretion then?

Yes, but they tend to be lenient for a new purchase.

Also, when you receive the reg cert. Contact the tax office for the pin no. It's much easier to tax online than having to go to the office.

selectamatic

SuB-Zero_Ire wrote: »

For A) for most insurance policies that allow you to drive other cars, the other car must also have an insurance policy on it so you probably wouldn't be covered.

For liberty and aviva yes.

For RSA and axa they don't require the car to have an existing policy. There's others too l believe.

Wanderer19

That would be common sense, our government aren't know for having any.

bazz26

OP, also remember even when you get insurance sorted as you are on a learner permit you will need someone with a full license to accompany you in the car.

biko

SuB-Zero_Ire wrote: »

Once you have the receipt you're good to drive the car with no tax as you can show that you're waiting for the log book to tax the car.

Even though you seem to have got a lenient Guard this is not a recommendation you should give to others, purporting it is allowed or even common practise.

shaveAbullock

biko wrote: »

Even though you seem to have got a lenient Guard this is not a recommendation you should give to others, purporting it is allowed or even common practise.

What about the one month that you are given to tax it? Haven't you googled it?

SuB-Zero_Ire wrote: »

Do a bit of googling and you'll find the law somewhere that you have a month or so to tax a newly purchased secondhand car.

biko

When SuB-Zero comes back with a source that it's ok to drive untaxed home from seller, we'll see.
I have never seen a legal or otherwise source, just people pub-guessing.

Here is a old source to show it can't be done, afaik nothing has changed.

When buying a used car

Tax: If the car is taxed, has a valid NCT and you are insured to drive it, then you can drive your new car away there and then.

If the car is not taxed then legally you have to tax the car before you can take it on the road.

It is your responsibility to make sure the car is taxed and roadworthy and if the Gardi stop you they do have to power to impound the vehicle and you could face a fine and penalty points, but this is at the discretion of the Garda if you do get stopped.

biko

This is not to be confused with taxing the car first time in your own name once you bought it.

passatman86

I always take a picture of the log book as soon that I buy/sell a car. If stopped after buying a car show the guard the signed and dated log book picture and explain you just bought it.