Reported a car for no insurance

Cheensbo

Ginger83 wrote: »

Would it not be an offense not to display insurance?

Its an offence not to display a disc - 60 blips fine.

Seperate from being insured or not.

pablo128

Sleeper12 wrote: »

The Garda do have a database for insurance & have had for over 5 years. I know this because I was stopped at a police check point in my wife's car while bringing it to the nct. I was pulled in by a cop. He went to the squad car to check my insurance. He even came back with my wife's name & the date the policy was up.
Motor tax has database too. There was a time when you had to send off your insurance cert while taxing your car. Now they check the database

When you tax your car online, you can enter anything you like as the insurance details. For example, I enter the company name from the drop down menu, and then enter a completely random number for the policy number. I do this because I cant be arsed walking outside to look at the policy number on the disc. I've been doing it for years now.

Now explain to me how a Garda can tell from his database if I have insurance or not.

fullstop

Cheensbo wrote: »

Many people are ignoring the fact that the driver the OP reported could well have been insured, and that the presence/absence of an insurance disc means absolutely fcuk all in terms of whether the driver is insured to drive on public roads or not.

And? One quick check and that can be found out. If he has insurance, fine. If he doesn't, hopefully he suffers the consequences.

pablo128

fullstop wrote: »

And? One quick check and that can be found out. If he has insurance, fine. If he doesn't, hopefully he suffers the consequences.

Did you report him for drink driving for most of the week too?

Brian Scan

FixitFelix wrote: »

Starting to think this lad is trolling, he has no problem snitching on someone for no insurance but not for driving after having 6 or 7 pints

If he reported him for drink-driving would you still use the pejorative term ''snitching"?

Cheensbo

Cheensbo wrote: »

Many people are ignoring the fact that the driver the OP reported could well have been insured, and that the presence/absence of an insurance disc means absolutely fcuk all in terms of whether the driver is insured to drive on public roads or not.

It's so true.
The OP probably knows and doesn't like the owner of said car.

JC01

Ginger83 wrote: »

Does the car not have to have an insurance policy on it to allow someone to be covered by their own policy?
If not what would stop a young lad having a 1L car just for the sake of it cos he cant insure a bigger engine, and then drive a bigger car 3rd party using the 1L policy

Very common practice, it's basically replaced the old trick of insuring under your parents name

fullstop

pablo128 wrote: »

Did you report him for drink driving for most of the week too?

What are you on about? I didn't report anyone for anything. Do keep up

Ginger83

Cheensbo wrote: »

Its an offence not to display a disc - 60 blips fine.

Seperate from being insured or not.

I agree,doesn't mean its right though

Ginger83

JC01 wrote: »

Very common practice, it's basically replaced the old trick of insuring under your parents name

It doesn't make sense. Let's say a 17yr old buys a 2L car and cant get insured, so he buys a 1L micra and insures it so now he can drive the 2L?

I always thought the 2L had to have an insurance policy on it to allow anybody to drive it under their own cover.

pablo128

fullstop wrote: »

What are you on about? I didn't report anyone for anything. Do keep up

I mixed you up with the OP. Apologies.:o

pablo128

Ginger83 wrote: »

It doesn't make sense. Let's say a 17yr old buys a 2L car and cant get insured, so he buys a 1L micra and insures it so now he can drive the 2L?

I always thought the 2L had to have an insurance policy on it to allow anybody to drive it under their own cover.

Some policies don't allow the 'driving other cars' extension until the age of 23, or until you have built up a few years NCB.

And yet again as has been pointed out on this thread, the other car doesn't necessarily have to have a policy on it.

blond45

martin101 wrote: »

Too much time on your hands.

you would not be saying that if a noninsured crashed landed on you

blond45

blond45 wrote: »

you would not be saying that if a noninsured crashed landed on you

I once had a guy crash into me who had no insurance who payed cash to repair my car without any question.

On another occasion I had an insured bitch crash into me on the walkinstown roundabout who wouldn't even get out of her car and denied any responsibility.
Gardai were called and they told me it wouldn't be worth the hassle to pursue her if she denies fault as the damage was minor. My word against hers.

Don't assume Because they have insurance they are decent or law abiding.

KeyCode

A genuinely uninsured driver is probably more likely to have a "disc" (fake) displayed. It's hardly a like those discs are complicated pieces of security printing !! They're actually disgracefully easy to copy.

Mostly you'll find that's probably someone who is insured and maybe changed insurance provider or maybe just bought the car.

My disc took 10 days to arrive because of a slow broker but, I was fully insured for all that time.

Checking insurance based on the discs is a complete joke in this day and age. It's simple database management. If a car goes uninsured while still registered the registered owner should immediately get an automated letter asking them to explain why. If no response in say 10 working days automatic fine. No response in 21 days car libel to be impounded.

That would reduce your non insured issues in a few weeks!

There's way too much Garda time and money wasted on this issue. Same with motor tax. Either you have it or you don't. It's not that complicated and there's no need for discs !

Between 3 discs in your window and various stupid garage stickers and E tolling tags, I'm surprised most Irish drivers can see out!!

I could see a requirement to hold insurance documents IN the car in case of a mix up and so that you can share details in an accident but having a good chunk of your window covered in those huge paper things is crazy

EndaHonesty

Special Circumstances wrote: »

Yeah that definitely shines through in the RSAs statistics on fatal/serious crashes. Sarcasm btw.

In reality, unless there's only a few thousand paying insurance, uninsured drivers or drivers whose insurance status is described as "unknown" (or something weird like that) make up a completely disproportionate amount of these incidents.

You seem to be suggesting that the majority of drivers are uninsured?!

Do you have any links to backup that suggestion?

Special Circumstances

EndaHonesty wrote: »

You seem to be suggesting that the majority of drivers are uninsured?!

No, quite the opposite.

EndaHonesty

Special Circumstances wrote: »

No, quite the opposite.

I completely missed the word "unless". Sorry.

*Kol*

KeyCode wrote: »

A genuinely uninsured driver is probably more likely to have a "disc" (fake) displayed. It's hardly a like those discs are complicated pieces of security printing !! They're actually disgracefully easy to copy.

Mostly you'll find that's probably someone who is insured and maybe changed insurance provider or maybe just bought the car.

My disc took 10 days to arrive because of a slow broker but, I was fully insured for all that time.

Checking insurance based on the discs is a complete joke in this day and age. It's simple database management. If a car goes uninsured while still registered the registered owner should immediately get an automated letter asking them to explain why. If no response in say 10 working days automatic fine. No response in 21 days car libel to be impounded.

That would reduce your non insured issues in a few weeks!

There's way too much Garda time and money wasted on this issue. Same with motor tax. Either you have it or you don't. It's not that complicated and there's no need for discs !

Between 3 discs in your window and various stupid garage stickers and E tolling tags, I'm surprised most Irish drivers can see out!!

I could see a requirement to hold insurance documents IN the car in case of a mix up and so that you can share details in an accident but having a good chunk of your window covered in those huge paper things is crazy

You can hardly say the disks are huge!!?? They can't be covering more than a few percent of the screen. A good size rear view mirror would block as much.

John_Rambo

Snitches get stitches.








Said Jimi Saville.

Look how that ended!

Pitstop Pete

job seeker wrote: »

Has anyone here ever reported a car for no insurance?


So last week, I finished work and walking out to my car I noticed a regular customers car had no insurance disk displayed. So called the local garda station. I give the make/model, colour and reg. I stated that "there was a tax and n.c.t disk displayed, however there was no insurance disk displayed" the garda asked me was the car insured? I said "The car had no insurance disk displayed" however, "I was unsure if it was insured or not" The garda mentioned "that the car is usually insured however the, driver probably just didn't put the disk in the holder" So anyway, they said they would look into it. However I didn't hear of the garda visiting Bob Moss (not his real name by the way) So I'm just wondering does it usually take them long to look into situations like this?

Seriously lad, you need to get something else to occupying yourself with. Seriously! Get your leg over with some lass or take up counting teabags in a box. Yur not an accountant by any chance? I've often had no disks at all in the window just because I was waiting on them or just never got a chance. But for fecks sake, you take busy bodies to a new level lad! Probably a fecking Dub into the bargain?!

And this boyo was a customer of yurs?! Not after that he wasn't!

And what the feck do you think that the Gards do be doing?! You think that they have time to hand hold every crack-pot that rings into them?! With all the things wrong in the world you go to the trouble of reporting yur customer for not having a disk in his window..... Seriously lad! Speak that out loud to yourself and see how it sounds.
Maybe you'll see this boyo on Crime Line!

Jesus.

I'd never notice whether or not a car had a disk on the windscreen. I wouldn't even notice if the car had no windscreen!

Going around checking that people's windscreens are in order is quite odd behaviour. If I saw a Policeman doing it fair enough. But just some average Joe??

pablo128

Jesus. wrote: »

I'd never notice whether or not a car had a disk on the windscreen. I wouldn't even notice if the car had no windscreen!

Going around checking that people's windscreens are in order is quite odd behaviour. If I saw a Policeman doing it fair enough. But just some average Joe??

There's a lad in our place who would often approach other lads and let them know they had a disc out of date. I don't think he'd be on the phone to the law though.

You could walk around any car park and find a few cars with bald tyres. But then so could a Garda.

Pitstop Pete

pablo128 wrote: »

There's a lad in our place who would often approach other lads and let them know they had a disc out of date. I don't think he'd be on the phone to the law though.

You could walk around any car park and find a few cars with bald tyres. But then so could a Garda.

A punch squarely to the mouth would sort that bucko out! He'd mind his own business then!

pablo128

Pitstop Pete wrote: »

A punch squarely to the mouth would sort that bucko out! He'd mind his own business then!

Lol! Ah he's harmless in fairness. He's middle aged and big into his classics, to the point of being obsessive regarding originality. He was was horrified when we suggested dropping a red top into his mint Opel Commodore and wringing its neck!:pac:

Jesus.

pablo128 wrote: »

He was was horrified when we suggested dropping a red top into his mint Opel Commodore and wringing its neck!:pac:

They were proper nice cars

Lex Luthor

What would you do if you saw two similar cars, both same make and model but slightly different variants (engine, no of doors, colour) sporting the same plate? (driven by same person)

Topper Harley

Lex Luthor wrote: »

What would you do if you saw two similar cars, both same make and model but slightly different variants (engine, no of doors, colour) sporting the same plate? (driven by same person)

Based on what I've learned about what I should do from some people on this thread, I'd mind my own business of course. If more people just turned a blind eye to the odd indiscretion the world would be a much better place ... for me ... because I'd constantly screw people over for my own benefit and get away with it.

Topper Harley

Pitstop Pete wrote: »

Seriously lad, you need to get something else to occupying yourself with. Seriously! Get your leg over with some lass or take up counting teabags in a box. Yur not an accountant by any chance? I've often had no disks at all in the window just because I was waiting on them or just never got a chance. But for fecks sake, you take busy bodies to a new level lad! Probably a fecking Dub into the bargain?!

And this boyo was a customer of yurs?! Not after that he wasn't!

And what the feck do you think that the Gards do be doing?! You think that they have time to hand hold every crack-pot that rings into them?! With all the things wrong in the world you go to the trouble of reporting yur customer for not having a disk in his window..... Seriously lad! Speak that out loud to yourself and see how it sounds.
Maybe you'll see this boyo on Crime Line!

Good point. :rolleyes:

aido79

I don't understand the mentality of someone who would drive with no insurance. I live in Australia where insurance is optional but there is no way I would drive my car without insurance. There are no such thing as insurance discs or tax discs either here.
If my car was stolen I be pi$$ed off but at least I know I could claim on my insurance. It would be a very different story if I had no insurance.
Same as if I crashed and I was at fault. It would be good to know the other car would be covered but it would be very disheartening knowing that I would have to pay for damages to me or my car because I had no insurance.

fullstop

Pitstop Pete wrote: »

A punch squarely to the mouth would sort that bucko out! He'd mind his own business then!

From someone as tough as you, no doubt...lad

Cookie_Monster

CiniO wrote: »

So what are you saying?
That I should report every single one driving without insurance, even though they are my friend, work collegues, etc?
I thought that's what the Gardai are there for to enforce the laws.
I'm not going to interfere.

Yes, I'm fully aware that certain percentage of my premium goes to fund MIBI.
But me reporting few drivers uninsured won't change anything on the large scale. Firstly they won't buy insurance anyway even if reported. And secondly even if they did, a couple won't make any difference, and my premium won't magically go down just because I reported few uninsured drivers.

For someone who is usually so insanely pedantic about all sorts of laws and technical differences, your attitude to driving illegally surprises me greatly...

AngryDiMaria

job seeker wrote: »

Has anyone here ever reported a car for no insurance?


So last week, I finished work and walking out to my car I noticed a regular customers car had no insurance disk displayed. So called the local garda station. I give the make/model, colour and reg. I stated that "there was a tax and n.c.t disk displayed, however there was no insurance disk displayed" the garda asked me was the car insured? I said "The car had no insurance disk displayed" however, "I was unsure if it was insured or not" The garda mentioned "that the car is usually insured however the, driver probably just didn't put the disk in the holder" So anyway, they said they would look into it. However I didn't hear of the garda visiting Bob Moss (not his real name by the way) So I'm just wondering does it usually take them long to look into situations like this?

Filthy rat

sdanseo

I wouldn't report a car for having no insurance disk for the reasons mentioned.

However, if anyone ever told me they don't bother with insurance, I'd be onto the guards with no hesitation. They're dangerous, and not only that, they're directly causing premiums to increase and therefore effectively stealing from me.

Pitstop Pete

Lex Luthor wrote: »

What would you do if you saw two similar cars, both same make and model but slightly different variants (engine, no of doors, colour) sporting the same plate? (driven by same person)

At the exact same time?! I'd say "this is good poitin lad!"

twin_beacon

job seeker wrote: »

Maybe, however I can assure you that this individual drives down the road drunk most 5 out of 7 days of the week and doesn't even hold a valid drivers licence. Iv'e seen this first hand as well..

well in that case, why not report him for this far more serious issue?

One_Of_Shanks

job seeker wrote: »

However I didn't hear of the garda visiting Bob Moss (not his real name by the way)

Is it an anagram for Mob Boss?

Careful reporting him, you could end up with a Tony Soprano figure on your doorstep

m5ex9oqjawdg2i

s14driftking wrote: »

Stitches for snitches.

Neon_Lights wrote: »

Wow what a rat!

Pitstop Pete wrote: »

A punch squarely to the mouth would sort that bucko out! He'd mind his own business then!

Why are posts like this tolerated on here?

KeyCode

*Kol* wrote: »

You can hardly say the disks are huge!!?? They can't be covering more than a few percent of the screen. A good size rear view mirror would block as much.

They are huge!
When you have one of those 3-disc holders it is almost 20cm wide and about 4 cm high. That's a very significant visual intrusion nearly the size of a sun visor !!

Caliden

What are people's thoughts on a car that doesn't have ANY discs displayed?

2 cars in my apartment block have no discs at all and are definitely driven. One of them is on UK plates and has been for at least a year.

Will anything be done if I report anonymously or would I need to make a statement?

CiniO

Caliden wrote: »

What are people's thoughts on a car that doesn't have ANY discs displayed?

2 cars in my apartment block have no discs at all and are definitely driven. One of them is on UK plates and has been for at least a year.

Will anything be done if I report anonymously or would I need to make a statement?

It's perfectly normal for UK car to have no discs

Lex Luthor

Topper Harley wrote: »

Based on what I've learned about what I should do from some people on this thread, I'd mind my own business of course. If more people just turned a blind eye to the odd indiscretion the world would be a much better place ... for me ... because I'd constantly screw people over for my own benefit and get away with it.

ya and normally I do, however to me this is unacceptable and if there is somebody driving a particular car and for whatever reason another variant of that car shows up, similar colour but with same plates its not right. Whether that car that is on the false plate is even road legal, passed a NCT, is insured under the correct bracket etc.

Caliden

CiniO wrote: »

It's perfectly normal for UK car to have no discs

The car itself has been driven in Ireland over a year, how is it still a UK car?

Caliden

Caliden wrote: »

What are people's thoughts on a car that doesn't have ANY discs displayed?

2 cars in my apartment block have no discs at all and are definitely driven. One of them is on UK plates and has been for at least a year.

Will anything be done if I report anonymously or would I need to make a statement?

Mind your own business.

listermint

In broad terms its usually the people that defend this behavior and call people names like 'rat' etc at the very same people who engage in this behavior.


Some actual laughable comments in here from people who are so called 'into' their cars and all the costs that they put into them to defend people driving around on those same roads as you with not a care or cost in the world.

Quality stuff fellas. I hope yiz are caught.

CiniO

Caliden wrote: »

The car itself has been driven in Ireland over a year, how is it still a UK car?

How can I know?
There might be genuine cases of UK car being driven in Ireland for much longer than that.
Impossible to tell without knowing exact circumstances.

kirving

I don't understand this mind your own business rubbish.

If the car is in fact legal, then grand, no harm done. If the car or driver IS missing something then it will be dealt with.

Don't you have a serious issue with covering other peoples tax, insurance and VRT, while they head off on holiday with the cash they saved? Because I have a big problem with that.

*Kol*

CiniO wrote: »

How can I know?
There might be genuine cases of UK car being driven in Ireland for much longer than that.
Impossible to tell without knowing exact circumstances.

I don't think there is any provision in the law to allow a car to be driven here on foreign plates for that long.

Caliden

Kevin Irving wrote: »

I don't understand this mind your own business rubbish.

If the car is in fact legal, then grand, no harm done. If the car or driver IS missing something then it will be dealt with.

Don't you have a serious issue with covering other peoples tax, insurance and VRT, while they head off on holiday with the cash they saved? Because I have a big problem with that.

My problem is that the 2 cars belong to the same couple. So from the looks of things (I could be completely wrong) neither have had any disc up (Insurance/tax/nct) in over a year.

pablo128

*Kol* wrote: »

I don't think there is any provision in the law to allow a car to be driven here on foreign plates for that long.

It could be a company car. UK company with an Irish sub division. I have seen it before with vans anyway.