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Aviva want a copy of my tax disc

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  • 15-02-2019 9:09pm
    #1
    Whocare
    Registered Users Posts: 1,055 ✭✭✭


    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


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Comments

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    #2
    Liam McPoyle
    Closed Accounts Posts: 14,846 ✭✭✭✭Liam McPoyle


    Is it taxed and NCT'd?

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


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    #3
    Whocare
    Registered Users Posts: 1,055 ✭✭✭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 .


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    #4
    micar
    Registered Users Posts: 1,879 ✭✭✭micar


    I think you may need to ask them.


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    #5
    Whocare
    Registered Users Posts: 1,055 ✭✭✭Whocare


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


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    #6
    Cushie Butterfield
    Registered Users Posts: 1,861 ✭✭✭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.


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    #7
    Whocare
    Registered Users Posts: 1,055 ✭✭✭Whocare


    micar wrote: »
    I think you may need to ask them.

    I will and report back


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    #8
    micar
    Registered Users Posts: 1,879 ✭✭✭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.


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    #9
    Whocare
    Registered Users Posts: 1,055 ✭✭✭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


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    #10
    ebbsy
    Registered Users Posts: 6,786 ✭✭✭ebbsy


    I would be interested to know why as well.


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    #11
    Victor
    Registered Users Posts: 78,312 ✭✭✭✭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?


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    #12
    Whocare
    Registered Users Posts: 1,055 ✭✭✭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


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    #13
    biko
    Registered Users Posts: 81,223 ✭✭✭✭biko


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


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    #14
    coylemj
    Registered Users Posts: 25,362 ✭✭✭✭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.


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    #15
    SCOOP 64
    Registered Users Posts: 5,234 ✭✭✭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.


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    #16
    grogi
    Registered Users Posts: 8,615 ✭✭✭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?


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    #17
    colm_mcm
    Registered Users Posts: 73,405 ✭✭✭✭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.


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    #18
    Cushie Butterfield
    Registered Users Posts: 1,861 ✭✭✭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.


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    #19
    colm_mcm
    Registered Users Posts: 73,405 ✭✭✭✭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.


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    #20
    Cushie Butterfield
    Registered Users Posts: 1,861 ✭✭✭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.


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    #21
    FishOnABike
    Registered Users Posts: 4,408 ✭✭✭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.


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    #22
    Atlantic Dawn
    Registered Users Posts: 81,645 ✭✭✭✭Atlantic Dawn
    M


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


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    #23
    FishOnABike
    Registered Users Posts: 4,408 ✭✭✭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.


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    #24
    colm_mcm
    Registered Users Posts: 73,405 ✭✭✭✭colm_mcm


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


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    #25
    antodeco
    Registered Users, Subscribers Posts: 13,449 ✭✭✭✭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


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    #26
    grogi
    Registered Users Posts: 8,615 ✭✭✭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...


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    #27
    Atlantic Dawn
    Registered Users Posts: 81,645 ✭✭✭✭Atlantic Dawn
    M


    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.


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    #28
    coylemj
    Registered Users Posts: 25,362 ✭✭✭✭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.


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    #29
    Whocare
    Registered Users Posts: 1,055 ✭✭✭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


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    #30
    FishOnABike
    Registered Users Posts: 4,408 ✭✭✭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.


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    #31
    coylemj
    Registered Users Posts: 25,362 ✭✭✭✭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.


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