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Driving car from forecourt home - insurance?

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  • 20-11-2018 6:00pm
    #1
    suicide_circus
    Registered Users Posts: 19,802 ✭✭✭✭


    Hi, stupid question.

    When buying a used car and driving it home, how does it work with insurance/tax/nct? presumably I have to have all three in place before leaving the dealership and driving home on public roads?


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    #2
    ax530
    Registered Users Posts: 458 ✭✭ax530


    can arrange insurance in advance once you know new reg, tax you pay once you get the log book in your own name this will be a week or so after purchase. If it does not have a valid NCT you can apply once taxed


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    #3
    mordeith
    Registered Users Posts: 5,278 ✭✭✭mordeith


    suicide_circus wrote: »
    Hi, stupid question.

    When buying a used car and driving it home, how does it work with insurance/tax/nct? presumably I have to have all three in place before leaving the dealership and driving home on public roads?

    In a word... yes. You'd probably get away with the NCT but not the others. Mind you I wouldn't buy second hand car with a valid NCT in the first place (assuming it's old enough to require one).

    Refer to post above for more accurate info regarding tax


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    #4
    Thoie
    Registered Users Posts: 6,344 ✭✭✭Thoie


    suicide_circus wrote: »
    Hi, stupid question.

    When buying a used car and driving it home, how does it work with insurance/tax/nct? presumably I have to have all three in place before leaving the dealership and driving home on public roads?

    You have the insurance prepared with the company you've selected, and either agree a "start" time (2pm or whatever) for the new insurance, or ring them to transfer it before you leave the garage.

    I probably wouldn't buy a used car that doesn't have an NCT. If the car is untaxed I'd probably risk a short drive home, then apply for it online, but legally you could still be done for it during the short drive. You could, in theory, tax it from your phone while standing in the garage if you like.

    For me the most important thing is to have the insurance sorted out before I get behind the wheel, and to get the tax/NCT sorted out within a day or two.


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    #5
    coylemj
    Registered Users Posts: 25,327 ✭✭✭✭coylemj


    mordeith wrote: »
    Mind you I wouldn't buy second hand car with a valid NCT in the first place (assuming it's old enough to require one).
    Thoie wrote: »
    I probably wouldn't buy a used car that doesn't have an NCT.

    +1 OP, you mentioned a 'forecourt' so I assume you propose to buy this car from some class of a dealer. Do not hand over any mony unless the car has a current NCT.

    Leaving aside the legalities of the situation, there is no conceivable reason why a private seller or a dealer woud sell a car with an expired NCT unless they expected it to fail the test so you'd be barking mad to buy such a car.

    It's now common for independent dealers to offer a 'guarantee' that the car will pass i.e. they expect you to buy the car with no NCT, submit it for the test and they will pay to right anything which causes the car to fail. That's the theory.

    Sadly people fall for this BS instead of asking a simple question: 'if you're so confident that it will pass, why don't you submit it for the test?'


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