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Pulled with out of date tax/insurance

  • 09-06-2010 08:42PM
    #1
    Closed Accounts Posts: 39


    Just got pulled over in my sister's car which is very rarely used. Guards seized the car and I have 10 days to produce insurance which I don't possess. I have a full licence for whatever little it matters. What sort of repercussions am I looking at here? I've told them the car hasn't been used in months and I presumed the tax/ins was in date. Unfortunately both are out by about 6 months. Is there anything I can do here, like purchasing insurance right away?


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Comments

  • Closed Accounts Posts: 6,093 ✭✭✭johnos1984


    6 points, car crushed and a fine

    Even if the car was insured your probably not covered anyway unless you were named or else had your own

    I don't have sympathy as it would of been a mess had you been in a crash for yourself and the other party


  • Closed Accounts Posts: 39 FeetMagicII


    johnos1984 wrote: »
    6 points, car crushed and a fine

    Even if the car was insured your probably not covered anyway unless you were named or else had your own

    I don't have sympathy as it would of been a mess had you been in a crash for yourself and the other party

    Is this 100% the case?
    I have to pay E125 tomorrow to get the car back apparently. Can they take it again to crush it?


  • Registered Users, Registered Users 2 Posts: 12,730 ✭✭✭✭R.O.R


    Is this 100% the case?
    I have to pay E125 tomorrow to get the car back apparently. Can they take it again to crush it?

    Will you have insurance to pick up the car? They'll only release it to someone who can prove they are insured, or on the back of a pick up truck.

    If you can't get it out tomorrow they'll continue to charge storage.


  • Closed Accounts Posts: 39 FeetMagicII


    R.O.R wrote: »
    Will you have insurance to pick up the car? They'll only release it to someone who can prove they are insured, or on the back of a pick up truck.

    If you can't get it out tomorrow they'll continue to charge storage.

    They said I have 10 days to produce the insurance (which I do not have) but said the 125 must be paid tomorrow.


  • Closed Accounts Posts: 6,093 ✭✭✭johnos1984


    They can't take it again to crush it unless you are stopped a second time or else you don't collect it and pay your fine and storage

    You will need someone with insurance to pick it up. They will need a certificate to prove it.

    The points and fine correct, I'm almost 100% the car is crushed if its not picked up and fine paid


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  • Closed Accounts Posts: 39 FeetMagicII


    johnos1984 wrote: »
    They can't take it again to crush it unless you are stopped a second time

    You will need someone with insurance to pick it up. They will need a certificate to prove it.

    The points and fine correct, I'm almost 100% the car is crushed if its not picked up and fine paid

    Is there any hope that purchasing insurance would help?


  • Closed Accounts Posts: 6,093 ✭✭✭johnos1984


    Your policy start sate would be AFTER you drove without it.

    It will only help if you are going to continue driving. However I'm not sure about the legalities or even if you will be able to get it now that you have been caught. You may have to inform them first about what has happened


  • Closed Accounts Posts: 3,100 ✭✭✭tommyhaas


    I got my car taken off me by the guards a few years back for not having tax, once the car was taxed I showed them the cert, paid the 125 + 50 per day it was there and that was that. If you get insured you should be able to get the car back alright, but you'l probley still get done over driving without insurance


  • Closed Accounts Posts: 317 ✭✭bigjohnny80


    Getting insurance now won't help.

    I hope they throw the book at you.


  • Registered Users, Registered Users 2 Posts: 277 ✭✭CosmicJay


    I hope they throw the book at you.

    Nice. :pac:

    Unfortunately it came down to the fact that you were driving without tax or insurance. There really isn't any way of squirming out of that one. Surely you would of copped that the tax and insurance disc was out of date?

    Even if you get a policy now it will have the start date and time, which is after you were pulled. So you will be done for driving without insurance.

    Good luck in getting the car back.


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  • Closed Accounts Posts: 4,986 ✭✭✭ottostreet


    6 months out?

    that was smart.


  • Registered Users, Registered Users 2 Posts: 22,066 ✭✭✭✭Big Nasty


    Look lads,

    The chap knows he did wrong and has openly admitted so.

    He was in the wrong and knows it but all he's asking is there any way he can be helped out of the situation or retrieve his sisters car without increasing penalties.

    If you can provide helpful advice do so - that's what this forum is all about. If all you can do is slate him for his admitted mistakes you're not much help.


  • Registered Users, Registered Users 2 Posts: 181 ✭✭(insert name)


    If you're insured with Quinn on another car, i believe you may be covered under "driving other cars".

    Quinn do not require the car you drive to be insured itself.

    read your policy and you may be able to get out of it


  • Registered Users, Registered Users 2 Posts: 277 ✭✭CosmicJay


    If you're insured with Quinn on another car, i believe you may be covered under "driving other cars".

    Quinn do not require the car you drive to be insured itself.

    read your policy and you may be able to get out of it

    That requires the car to be taxed and nct'd. If not they dont cover him on the car. Maybe you could say that you had third party extension (providing its in your policy of course) They might not realise the car needs to be taxed to be covered and just let you away with no road tax?


  • Registered Users, Registered Users 2 Posts: 4,414 ✭✭✭Tefral


    Failure to have motor insurance or driving without insurance in Ireland is generally punishable by:

    -A fine of up to €2,500
    -Disqualification of one year or more for a first offence and two years or more for a second offence, and
    -At the discretion of the court, a term of imprisonment not exceeding six months.

    In the case of a first offence of driving without insurance, the court may decide in special cases not to impose a period of disqualification or to impose a period of disqualification of less than a year.

    Since 1 June 2003, where the courts in Ireland decide not to impose a disqualification, drivers convicted of a first offence of driving without insurance will incur 5 penalty points on their licence record in addition to any other penalty imposed by the court.

    If you commit a second offence for driving without insurance, you will be automatically disqualified from driving.


    If you hold an insurance policy for another car, you will most likely be covered to drive other cars under the 3rd party extension, for which is standard in alot of policys.


  • Registered Users, Registered Users 2 Posts: 21,274 ✭✭✭✭Eoin


    FeetMagicII - do you or your sister have any sort of motor insurance policy?
    MCMLXXV wrote: »
    Look lads,

    The chap knows he did wrong and has openly admitted so.

    He was in the wrong and knows it but all he's asking is there any way he can be helped out of the situation or retrieve his sisters car without increasing penalties.

    If you can provide helpful advice do so - that's what this forum is all about. If all you can do is slate him for his admitted mistakes you're not much help.

    Please don't back-seat moderate.

    Edit - don't anyone start posting any "high horse brigade" crap please. It's really old at this stage.


  • Registered Users, Registered Users 2 Posts: 5,425 ✭✭✭robtri


    nothing you do now will help in any shape of form when the case goes to court..

    if you want to pick up car, you will need to have proof of insurance in place
    or
    putting it on a tow truck
    or
    having somebody else who has proof of insurance that they are covered to drive your car pick it up..

    usually 125 to pick up next day, but i believe for every extra day you leave it there in the impound lot, it costs extra per day....

    no offence 6 months... thats dumb but you will pay for it now in court....


  • Registered Users, Registered Users 2 Posts: 22,066 ✭✭✭✭Big Nasty


    eoin wrote: »
    Please don't back-seat moderate.

    Edit - don't anyone start posting any high horse crap please.

    Wasn't!

    There was no help being posted, only high horse statements hence my post!


  • Registered Users, Registered Users 2 Posts: 3,567 ✭✭✭rebel.ranter


    Hi OP, similar to what eoin has asked, are you a named driver on any other insurance policy? If you are then there may be a chance that you have "driving of other cars" on that policy. That might remove the most serious charge here.


  • Closed Accounts Posts: 6,093 ✭✭✭johnos1984


    MCMLXXV wrote: »
    Wasn't!

    There was no help being posted, only high horse statements hence my post!

    There was one unhelpful post.

    The rest had informed the OP that they face points, a fine and a possible ban.

    Your horse was well over 17 hands


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  • Registered Users, Registered Users 2 Posts: 21,274 ✭✭✭✭Eoin


    Can we please stop with all the stupid high horse comments and get back on topic


  • Closed Accounts Posts: 6,093 ✭✭✭johnos1984


    eoin wrote: »
    Can we please stop with all the stupid high horse comments and get back on topic
    :D sounds funny. especially when I see your 'Location' :D:D


  • Closed Accounts Posts: 9,533 ✭✭✭SV


    ottostreet wrote: »
    6 months out?

    that was smart.

    regarding the tax..ya can't talk!


    but yeah OP, you're fecked!


  • Registered Users, Registered Users 2 Posts: 8,450 ✭✭✭CharlieCroker


    car was siezed under S.41 of the Road Traffic Act 1961-2006. €125 towing charge and €35 per day storage until the car is collected. Car must be taxed and insured OR be recovered on a towtruck/trailer before it will be released.

    If you fail to produce within 10 days, you'll be summonsed for:
    -no insurance
    -fail to produce insurance within 10 days
    -fail to display valid insurance disc.
    and any NCT/driving licence offences if applicible.

    The summons will take a few months to go to court, when it does the penalties above will apply. Bare in mind that most judges I've seen show very little leniency for driving without insurance. Its up there with drink driving in terms of seriousness in most peoples opinion.


  • Registered Users, Registered Users 2 Posts: 21,274 ✭✭✭✭Eoin


    johnos1984 wrote: »
    :D sounds funny. especially when I see your 'Location' :D:D

    I actually put that as my location because I always thought it was a stupid idea that just because someone admits to acting like a dick on the road means that nobody is allowed tell them that.

    Anyway, back on topic


  • Posts: 23,497 ✭✭✭✭ [Deleted User]



    The summons will take a few months to go to court, when it does the penalties above will apply. Bare in mind that most judges I've seen show very little leniency for driving without insurance. Its up there with drink driving in terms of seriousness in most peoples opinion.

    I'm going to strongly resist the urge to bring this thread off topic :)

    Back to the OP, absolutely no point in now getting insurance as the cert will show you were not covered. Best thing is to admit to the Gardai that you were not insured, it matters little if you stick to the I thought the car was insured story or not. As mentioned don't dream of turning up at the station with €125 and the intention of driving off in the car.


  • Registered Users, Registered Users 2 Posts: 426 ✭✭poodles


    eoin wrote: »
    FeetMagicII - do you or your sister have any sort of motor insurance policy?



    Please don't back-seat moderate.

    Edit - don't anyone start posting any "high horse brigade" crap please. It's really old at this stage.



    LOL

    Are you for real man?

    "Don't back seat moderate"?

    sorry but that comes across as very losery


  • Closed Accounts Posts: 152 ✭✭Demonon


    If you have no insurance that covers you 3rd party only on other vehicles then there is nothing more you can do now. Wait for the court summons and talk to a good solicitor who deals with motor offences. Meanwhile start saving for the fine, could be anything from €300 to €2000 (just estimates, don't take my word!)


  • Closed Accounts Posts: 191 ✭✭dublinguy2004


    Is there any hope that purchasing insurance would help?

    ROFL


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  • Moderators, Technology & Internet Moderators, Regional South East Moderators, Paid Member Posts: 28,604 Mod ✭✭✭✭Cabaal


    If you're insured with Quinn on another car, i believe you may be covered under "driving other cars".

    Only if that "other car" also has insurance...which it didn't so thats no good to the OP


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