LUXOBARGE (sub5k) of the week/day

Big Nasty · 27-03-2016 06:49PM

Playing tax roulette on a car over a month out of date doesn't make for pleasant driving.

cadaliac · 27-03-2016 07:12PM

Arkady wrote: »

As far as the insurance company and an accident is concerned, is the policy not invalidated if the car is not taxed and on the road legally ?

Rubbish

HungryJoey · 27-03-2016 07:21PM

The Guvnor wrote: »

It's a nice car.

You said 'Mechanically perfect considering mileage' would you elaborate on that?:)

"Mechanically perfect" as in no outstanding mechanical faults (engine and gearbox flawless) & it drives perfect. All it needed was the bearings replaced.

I got 2 offers at asking price over the weekend but I've decided to keep it. Staying with me for the next 6-12 months. I don't do the mileage right now to justify the replacement diesel I had in mind from the UK.

MEGA BRO WOLF 5000 · 27-03-2016 08:02PM

Valetta wrote: »

The car will be seized .

Afaik I think it can only be seized if tax is out of date over 3 months? Can anyone clarify that?

Big Nasty · 27-03-2016 08:12PM

The Hunky Monster wrote: »

Afaik I think it can only be seized if tax is out of date over 3 months? Can anyone clarify that?

More than one month AFAIK

Truckermal · 27-03-2016 09:27PM

Big Nasty wrote: »

More than one month AFAIK

Two months over and it can be seized, I had mine declared off the road as I could not drive it but on NCT day I was stopped at a checkpoint but was waved on and no question about tax..

unkel · 27-03-2016 10:15PM

Big Nasty wrote: »

Playing tax roulette on a car over a month out of date doesn't make for pleasant driving.

It is when there is a chance you are stopped. I.e. if you live in the Dublin area. Probably fine once you are down the country. I'd say the government is too embarrassed to publish macro data of (pre-08) cars that are not scrapped, not declared off the road, but also do not have motor tax on them. Enda's Mayo would probably have a lot more untaxed cars like that than taxed cars...

And truckermal is right. It used to be 3 months, but it is now 2 months out of tax and car can be seized. I have it from the horses mouth that a lot of Garda wouldn't easily seize your car though, unless you are a scrote...

Big Nasty · 27-03-2016 10:25PM

Probably the times I drive at but I haven't been stopped in years. Still very reluctant to chance it.

I'm relation to the tax out of date grace once you pass the end of the last month taxed you can be ticketed immediately for non display. Pretty sure gardai can treat you likewise I'm relation to seizure but tend to use their descretion.

Less than a month would generally be accepted, more than a month would be entering 'taking the p1ss' status and post two months you can expect to be lifted.

If you're acting the cock in the car and your tax is out less than a month a garda is likely to use that as an excuse to lift your glanza / civic.

unkel · 27-03-2016 10:32PM

Big Nasty wrote: »

If you're acting the cock in the car and your tax is out less than a month a garda is likely to use that as an excuse to lift your glanza / civic.

More than two months

But yes that's the impression I got from what I was told

Big Nasty · 27-03-2016 10:48PM

unkel wrote: »

More than two months

But yes that's the impression I got from what I was told

You're caught doing donuts in a car park and your tax is out by even a few days you can expect your motor to leave on the back of a tow truck.

Arkady · 27-03-2016 11:13PM

cadaliac wrote: »

Rubbish

Don't be a dick. I didn't say it was or wasn't, I asked a simple question.

CharlieCroker · 27-03-2016 11:48PM

Big Nasty wrote: »

You're caught doing donuts in a car park and your tax is out by even a few days you can expect your motor to leave on the back of a tow truck.

S41, road traffic act 1961, tax has to be out more than 2 months before the car can be siezed.

Used to be 3 months but was amended to 2 months a couple of years ago. Can be siezed on the spot if insurance/NCT are out any bit.

26000 Elephants · 27-03-2016 11:52PM

Arkady wrote: »

Don't be a dick. I didn't say it was or wasn't, I asked a simple question.

To be fair, you phrased it like a rhetorical question, i.e as if you were making a point rather than actually expecting an answer. Still rubbish, though. Revenue and indemnity issues in motoring are unrelated.

Arkady · 28-03-2016 12:14AM

26000 Elephants wrote: »

To be fair, you phrased it like a rhetorical question, i.e as if you were making a point rather than actually expecting an answer. Still rubbish, though. Revenue and indemnity issues in motoring are unrelated.

No, I phrased it as a question, and I'm still wondering how asking a question can answered by the reply rubbish ?

26000 Elephants · 28-03-2016 12:27AM

Arkady wrote: »

No, I phrased it as a question, and I'm still wondering how asking a question can answered by the reply rubbish ?

Q: If I plant these magic beans, will the beanstalk not reach into the sky?
A: Rubbish!!

Similarly,

Q: As far as the insurance company is concerned, is the policy not invalidated if the car is not taxed?
A: Rubbish!!

bear1 · 28-03-2016 10:53AM

Arkady wrote: »

No, I phrased it as a question, and I'm still wondering how asking a question can answered by the reply rubbish ?

Tax has no bearing on insurance or NCT. NCT would be important as if the insurer (if they decide to pay out) sees it had no valid NCT then the payout will fall.
As I said before, you would need to check your T&Cs to be 100% sure but I've never heard of an insurance company refusing to pay out because of out of date tax.
It would be stupid, I buy a car on a Monday with a valid NCT and I transfer my insurance over but there is no tax.
I crash the same day and the insurance refuses to payout. So yes the idea of that happening is rubbish.

Arkady · 28-03-2016 11:00AM

bear1 wrote: »

Tax has no bearing on insurance

I like your faith insurance companies. Good to know the advice on this forum is that they'll pay out if you have no motor tax and are on the road illegally.

Red Kev · 28-03-2016 11:06AM

Arkady wrote: »

As far as the insurance company and an accident is concerned, is the policy not invalidated if the car is not taxed and on the road legally ?

No. Tax is a revenue issue, it's got nothing to do with insurance.

There was a precedent set in a court case years ago, not that long after NCT's became mandatory. The insurance company were trying to get out of it on the basis that the car wasn't taxed and either they lost the case or dropped it at the last minute as they realised they weren't going to win.

In other words if you're car is insured and NCT'd then it's covered by insurance, regardless whether it's taxed or not.

Red Kev · 28-03-2016 11:19AM

S320CDi, 01/17, €2750. Hasn't been insured since November, so if it's for sale for a while you could get it a lot lower. Decent spec as well.

https://www.donedeal.ie/cars-for-sale/mercedes-benz-s-class-s320-cdi/11799619

Ok, it's €1250 over budget, but it has 18 months NCT. Plenty of these in the €6-8000 bracket these days. It's an 06, so some of the very early gremlins have been sorted out.

https://www.donedeal.ie/cars-for-sale/mercedes-benz-cls350/11759224

bear1 · 28-03-2016 11:19AM

Arkady wrote: »

I like your faith insurance companies. Good to know the advice on this forum is that they'll pay out if you have no motor tax and are on the road illegally.

It's not a matter of faith but it's a matter of making sense.
Why would the insurance be invalidated if the tax is out of date? Tax doesn't tell anyone you are insured and it tells no one that the car is safe.
It's purely a revenue tax where the money goes to the government and the government alone.
You asked a question and have responded in a somewhat silly manner twice.
Make your own conclusions if they pay out of not. We aren't insurance companies.

Furzy · 28-03-2016 11:35AM

Ok, it's €1250 over budget, but it has 18 months NCT. Plenty of these in the €6-8000 bracket these days. It's an 06, so some of the very early gremlins have been sorted out.

https://www.donedeal.ie/cars-for-sale/mercedes-benz-cls350/11759224

..... and with that colour interior the seller should be happy to knock off another €1250

Arkady · 28-03-2016 01:32PM

26000 Elephants wrote: »

Q: If I plant these magic beans, will the beanstalk not reach into the sky?
A: Rubbish!!

Similarly,

Q: As far as the insurance company is concerned, is the policy not invalidated if the car is not taxed?
A: Rubbish!!

This response is evading a question, not answering it.

Arkady · 28-03-2016 01:36PM

Red Kev wrote: »

No. Tax is a revenue issue, it's got nothing to do with insurance.

There was a precedent set in a court case years ago, not that long after NCT's became mandatory. The insurance company were trying to get out of it on the basis that the car wasn't taxed and either they lost the case or dropped it at the last minute as they realised they weren't going to win.

In other words if you're car is insured and NCT'd then it's covered by insurance, regardless whether it's taxed or not.

Having Motor tax is also the law, and a legal requirement for using a car on the public road, but good to know you can be using your car illegally on the public road and the insurance policy will still be valid. That was the question. And then we wonder why insurance is so high.

bear1 · 28-03-2016 01:42PM

Arkady wrote: »

Having Motor tax is also the law, and a legal requirement for using a car on the public road, but good to know you can be using your car illegally on the public road and the insurance policy will still be valid. That was the question. And then we wonder why insurance is so high.

Right, lets say I've renewed my tax online but the disc hasn't arrived and I'm now driving around whilst displaying an expired disc.
Should it be illegal for me to drive my car on the road? Should my insurance be voided if I crash?

RichyX · 28-03-2016 01:46PM

bear1 wrote: »

Right, lets say I've renewed my tax online but the disc hasn't arrived and I'm now driving around whilst displaying an expired disc.
Should it be illegal for me to drive my car on the road? Should my insurance be voided if I crash?

That's nothing to do with what he's saying.

bear1 · 28-03-2016 01:55PM

RichyX wrote: »

That's nothing to do with what he's saying.

He mentions using the car illegally if the tax is out.
I'm asking him if in the scenario I listed would it be considered illegal in his eyes.
He asked a question a while ago, he hasn't liked any answer he has gotten and his answers also have hints of sarcasm in them so the suggestion I'd make here is to create a thread about it and we can discuss it there so people who want to see cars don't have to read post after post of crap.

Truckermal · 28-03-2016 01:55PM

Arkady wrote: »

Having Motor tax is also the law, and a legal requirement for using a car on the public road, but good to know you can be using your car illegally on the public road and the insurance policy will still be valid. That was the question. And then we wonder why insurance is so high.

Christ above can you not start a thread about it as you are totally derailing this one.

Red Kev · 28-03-2016 07:36PM

Luxobargeonomics & Bangernomics in one.

NCT 10/16, some tax claimed but no disc shown, 2.8 engine, €1950

https://www.donedeal.ie/cars-for-sale/audi-a8-2-8l-nctd/10935162

26000 Elephants · 28-03-2016 08:00PM

The thinking mans Jaguar...

4.0 V8 ( alas no more double sixes) fluted grille and NCT till november. €3,950

Duke O Smiley · 29-03-2016 02:00PM

https://www.donedeal.ie/cars-for-sale/2004-audi-a8-4-2-petrol-49k-miles/11901777

4.2 A8 with tax and test slightly over budget @ €5.5k

LUXOBARGE (sub5k) of the week/day

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