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Buying a car from private seller - tax/insurance/finance

  • 25-10-2020 2:14pm
    #1
    Finny_l
    Registered Users, Registered Users 2 Posts: 7 ✭


    Hi Lads

    So I’m buying this amazing car 2013 with 150000km / 95000mi on the clock, do you guys think is a very high mileage car? He bought the car with a loan, I’m not sure what type of loan either is HP/PCP/PL, He told me he will ring the loan company and come back to me on Tuesday. The car came with NCT, but tax expired as he won’t renew it because he’s palnning to sell the car, I’ve to renew myself. So how am I renew it as if he send off the logbook to change the ownership and how do I insure the car ?

    Thanks


Comments

  • #2
    User1998
    Registered Users, Registered Users 2 Posts: 7,673 ✭✭✭User1998


    Mileage: It depends on the car, small petrol city car or executive diesel saloon. But generally no that is not high mileage at all. More importantly is the service history. Was it annually serviced, has the timing belt been changed, etc.

    Finance: Do a history check on the car and it will tell you if there is any finance owed on the car. Not a deal breaker if there is, you’ll just have to sort that with the seller and the finance company, and the seller seems to have been kind of upfront about it already.

    Tax: Not taxing a car your about to sell is normal. You can tax the car once you receive the logbook. If you take a photo of the logbook when you buy the car and explain to Garda that you just bought the car they will be okay with it if you do get stopped.

    Insurance: Ring up your current insurer and tell them the registration of the car. Or call insurance companies for new quotes


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