Uninsured Vehicles Cannot Be Taxed

eirman

I just noticed this today when renewing my car tax.

In the past, one could enter 'anything' in the Insurance Field and you still got your tax disk.

Now - you don't give insurance details and presumably motortax.ie will kick you out if the vehicle is uninsured.

Archduke Franz Ferdinand

I retaxed mine online this week and it never asked for any insurance details , it did in the past

Juran

I would say that people who dont insure their car don't bother taxing it either. So probably wont really impact that % of car drivers who dont comply.

But its a good thing that authorities can find a car's and drivers insurance status and details via their car reg.

28064212

https://www.boards.ie/discussion/2058350002/uninsured-vehicles-cannot-be-taxed

presumably motortax.ie will kick you out if the vehicle in uninsured

That's a big assumption on your part. I think it's far more likely that it's not a real-time check, and they only cross-reference the databases in the event of an incident. Aside from anything else, why would the state want to turn down money just because the driver is uninsured? It wouldn't increase safety or enforcement in any way?

GSBellew

Noticed that, but it doesn't impact me as mine are insured.

Madd002

Taxed mine yesterday didn't ask for insurance details, when they did I used to randomly input 7 numbers & 2 letters as I never had Insurance documents on me at the time

GSBellew

https://www.boards.ie/discussion/comment/122089794#Comment_122089794

They do in the UK, needs to be on the insurance database & have an MOT if applicable to be taxed, if either are not in place it is refused.

Schorpio

My read on that is that they are no longer required to collect insurance details because of the new database. It doesn't appear that they are actually cross-checking the database when you go to tax.

Hopefully this means that we can soon do away with the need for paper discs (at long last).

eirman

28064212 …

Roadside checks can now scan the insurance database in real time.

ELM327

Should be a step away from paper discs. But the lack of insurance doesnt mean you cant tax it. I taxed a car last month with no insurance on the car at the time.

eirman

https://www.boards.ie/discussion/comment/122089897#Comment_122089897

That was last month

ELM327

https://www.boards.ie/discussion/comment/122089913#Comment_122089913

And? I got the same message then too.

GSBellew

https://www.boards.ie/discussion/comment/122089913#Comment_122089913

This was active last month

mgbgt1978

You're reading a lot into this OP. The situation is very different to your assumption.

You are no longer required to input Insurance details when taxing a vehicle as Motor Insurers have finally agreed to share their Databases with AGS.

artanevilla

The key word in the OP is "presumably".

I can't envisage any scenario where you'd have the car taxed, but not insured or vice versa anyway.

prawnsambo

https://www.boards.ie/discussion/comment/122090100#Comment_122090100

In for repairs and you have the insurance switched to another car while it's in. Car tax comes up and since it'll be back on the road inside the month, you renew.

eirman

Worth a read ….

https://www.mibi.ie/mibi-begin-providing-gardai-with-insurance-details-for-3-million-vehicles-on-daily-basis/

ax530

Recently when trying to tax car after entering insurance details said could not tax as too close to expiration of insurance.

I sorted insurance the following day when went to tax car it did not ask for the insurance details I expected it was because 'they knew' insurance had been renewed

ELM327

https://www.boards.ie/discussion/comment/122090100#Comment_122090100

Driving on third party extension would be one.

ELM327

https://www.boards.ie/discussion/comment/122090195#Comment_122090195

This is a great idea, and one I think should be implemented with the removal of the need for paper discs for private cars. Why do you need an NCT disc, the AGS (or anyone) can check the validity on the NCT website. Insurance would be covered under this MIBI data sharing , and they would already have access to the taxation database

eirman

https://www.boards.ie/discussion/comment/122090224#Comment_122090224

That answers that! - Thanks ax530

standardg60

https://www.boards.ie/discussion/comment/122090224#Comment_122090224

Absolute rubbish, insurance has never been cross checked on motortax.ie, I've never even put in the correct policy number, any set of numbers is accepted.

R.O.R

We tried to tax a new car on the 20th March (Registered 19th March) and couldn't tax it online.

The insurance had been arranged to come in to effect on the 20th March which is when the vehicle was being collected. No issue taxing it the morning of the 20th March so it's either a real time check or details are loaded daily, in advance.

zg3409

In the past you could input any insurance details you liked, it seems now they dont bother to ask.

I know gardai have access to lots of data. I got a call on mobile in relation to a trailer with my car registration on it, so they can access details submitted via various forms.

Legally you need to be taxed and insured if parked on a public road but there are various group insurance policies such as for garages.

Varik

On my bike the tax is due a week after I bought the bike so my insurance is due a week before the tax. If I'd known what that meant I'd have waited the week to insure it.

Will see what it says when that's up again, as previously I've had to get the new insurance sorted before paying the Tax as it knew the insurance would be up by the time the new tax year started.

Car I just pay it when the email pops in. There's only 1 disc on bikes so maybe that's different and I'll still need to give them insurance details at tax time.

R.O.R

https://www.boards.ie/discussion/comment/122090437#Comment_122090437

Any vehicles covered under a group policy have to be uploaded separately to the National Fleet Database ( https://nfd.mtpl.ie/ ) so the Motor Tax site has access to all vehicles insured. Majority of the vehicles we tax would need to be listed on the NFD before we can tax them now.

kirving

https://www.boards.ie/discussion/comment/122090795#Comment_122090795

Is that for a garage only though?

On an individual level, it doesn't really make any sense to implement this crosscheck. I can legally drive a taxed, but uninsured car under my policy.

As an example, my sister emigrated and her car stayed, parked on a quiet public for a time, taxed but uninsured. If it needed to be moved, I could do so fully comp under my policy.

Similar story with my dads car. He didn't use the car much, and it was going to be scrapped, so let his insurance lapse on it. €570 tax, which had a few months left, so he didn't scrap it immediately as it could be insured again quickly if he did need it, or someone else could drive it, taxed, on their policy extension. So now, it couldn't be re-taxed without a policy of its own, it someone needed it for a short period?

All sounds a bit ridiculous.

Ninap

I wonder if the Gardai just have access to the motor tax database, so will know if the car is taxed, and what was indicated re insurance (including expiry date) when taxed?

Del2005

https://www.boards.ie/discussion/comment/122090241#Comment_122090241

Road tax evasion trebled when the UK got rid of their discs. I don't know why people have such an issue with having less than 0.5m2 in the bottom or top corner of their windscreen, lots of people mount their phones in the middle which is a much bigger issue.

mikeecho

You can still tax your car, when if you don't have insurance linked to the car.

Just try.

User1998

Thread title is wrong. I just taxed 5 uninsured vehicles tonight. Didn’t have to enter made up insurance details which was nice.

Marcusm

https://www.boards.ie/discussion/comment/122089897#Comment_122089897

https://www.boards.ie/discussion/comment/122089897#Comment_122089897

that’s disappointing. Why bother spending money changing the online system if it doesn’t actually check.

User1998

https://www.boards.ie/discussion/comment/122091853#Comment_122091853

Its a good thing they don’t check. Why shouldn’t you be able to tax an uninsured car?

Madd002

https://www.boards.ie/discussion/comment/122090922#Comment_122090922

You weren't driving your sister's car or dad's car under your policy fully comp. I'm fully comp 20+yrs and when I was driving my daughters car while mine was being serviced I rang my insurance company to check what basis i was covered. You are only covered on driving someone else's car as third party fire & theft and that car also needs to be insured.

If you rang and changed your insurance over to your sister's or dad's car while you drive them around then that's a different story and then yes you were covered but it's a lot of hassle moving insurance over and back between cars.

eirman

https://www.boards.ie/discussion/comment/122090963#Comment_122090963

The data which An Garda Síochána will now have access to includes:

• Name and address of the insurance policy holder
• The insurance policy number and validity dates of that policy
• Insurance company that issues policy
• Vehicle registration number covered by the policy
• Named drivers included on the insurance policy and the class of driver covered (e.g., open driving policies)
• Date of birth of driver(s)

Del2005

https://www.boards.ie/discussion/comment/122092104#Comment_122092104

Not all companies require the other car to be insured to use the Driving Other Cars extension and some policies do offer fully comp Driving other cars, you need to read all your policy documents to know what's required and what level of cover you have. I've 3rd party on any car less than 15 years old, no need for them to be insured.

ELM327

https://www.boards.ie/discussion/comment/122092445#Comment_122092445

Exactly, I have fully comp driving other cars, no requirement for insurance on the other car.

Hyperbollix

Taxed mine the other day and it was quick and easy with no insurance details required. Long overdue…

Hilarious that everyone was simply mashing the keyboard for the insurance policy number field and still being sent out a disk. Only in Ireland!

Del2005

https://www.boards.ie/discussion/comment/122093211#Comment_122093211

Back before the internet you had to show your insurance cert at the tax office when renewing so they just carried it over to the online system. There was a plan to use the insurance details entered for renewing motor tax by the Gardaí but then they spotted the obvious flaw, different dates for insurance and motor tax renewals so the insurance details could be obsolete the next day, so it was dropped. It's stupid how long it actually took for the Gardaí to get access to a live insurance database.

kirving

https://www.boards.ie/discussion/comment/122092104#Comment_122092104

Yes, I was. How can you possibly state that without having read my policy documents?

https://www.axa.ie/help/question/what-is-driving-other-cars/

https://www.zurich.ie/car-insurance/faqs/driving-other-cars/

Madd002

https://www.boards.ie/discussion/comment/122094873#Comment_122094873

Sorry to offend I presumed since that's what my insurance Company told me it was same all round, good to know might get quote from them as insurance up end of month.

Marcusm

https://www.boards.ie/discussion/comment/122092016#Comment_122092016

they’ll eventually realise what was realised in the U.K. Unless each car is required to be insured individually (ie no using a driving other cars extension on an otherwise uninsured car) then the ANPR will not function properly for insurance. Anyone who is pulled over can assert that is the car and then it’s additional checks within 14 days. The U.K. eventually changed it to make policing easier and I suspect Ireland will have to do the same.