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Issues with insuring a car declared off the road

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  • 02-07-2024 6:57pm
    #1
    fitzgese
    Registered Users Posts: 254 ✭✭


    Hi, I was out of the country for the last year, and declared my car off the road on motortax.ie before leaving and before the tax ran out. To be best of my recollection and searching my emails, I didn't receive a receipt/email confirmation from the Motor tax website. I did not renew the insurance when it ran out shortly after. Now I'm trying to insure my car again, and as it is 18 years old, I'm finding very few companies who will insure it, and AXA, who gave me an initial quote, are saying they will not insure it without written confirmation that it has been off the road. Will the tax office issue this to me? Anyone been in this situation before?

    Many thanks,

    Sean

    Post edited by LIGHTNING on


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    #2
    wandererz
    Registered Users Posts: 2,568 ✭✭✭wandererz


    Pop your Reg details into the motor Tax website to see how long it's out of date and how much the arrears amount is.

    If it's a crazy amount then do a title change to a family member and then transfer back to you.

    Contact Kennco for a quote.



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    #3
    Del2005
    Registered Users Posts: 18,989 ✭✭✭✭Del2005


    https://www.boards.ie/discussion/comment/122331834#Comment_122331834

    Insurance companies don't like old cars and they really don't like people who just bought old cars, they all ask when did you buy the car and you'll have to put down the date on the VLC.

    Contact all the insurance companies and brokers you can find. Look for fully comp quotes vs TPO or TPFT, they really don't like people who insure old cars TP. I just renewed my Mother's 21 year old car after checking lots of companies.

    If they won't quote online they won't quote over the phone. I had a big engined oldish car that one year I requested call backs from all the companies that said they can't quote online request a call back. Only 1 called back which lead to a really confused call centre worker getting my call and having to tell me they can't quote.



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    #4
    Raichų
    Registered Users Posts: 125 ✭✭Raichų


    https://www.boards.ie/discussion/comment/122332034#Comment_122332034

    that’s not true at all if they won’t online they won’t over the phone what? Since when?



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    #5
    fitzgese
    Registered Users Posts: 254 ✭✭fitzgese


    https://www.boards.ie/discussion/comment/122331834#Comment_122331834

    The thing is though I had planned for it to be off the road for a year, there are no arrears and I've already taxed it again.



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    #6
    LessOutragePlz
    Registered Users Posts: 1,363 ✭✭✭LessOutragePlz


    Contact a broker such as McCarthy insurance group they got me insured on my car with liberty insurance and my car is 18 years old.



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    #7
    wandererz
    Registered Users Posts: 2,568 ✭✭✭wandererz


    Call up the motor Tax office and ask them to send you confirmation. They are usually nice enough to deal with.

    Looking through my emails, I don't have any email confirmation of SORD either even though one of my cars is currently declared off the road.

    Screenshot_20240702_211557_Samsung Internet.jpg



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    #8
    Wailin
    Registered Users Posts: 4,425 ✭✭✭Wailin


    https://www.boards.ie/discussion/comment/122332113#Comment_122332113

    Yep, it's fact.



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    #9
    GSBellew
    Registered Users Posts: 735 ✭✭✭GSBellew


    https://www.boards.ie/discussion/2058358140/issues-with-insuring-a-car-declared-off-the-road

    Are you sure that they are not just looking for a letter from you in writing confirming that the car has been off the road?

    Something from the motor tax office only confirms that it was not taxed, they already know it wasn't taxed so a letter saying that it wasn't taxed makes no odds as you could have still been using it sans tax & insurance.



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    #10
    fitzgese
    Registered Users Posts: 254 ✭✭fitzgese


    Thanks, just to follow up they did indeed just want confirmation from the motor tax office confirming I was off the road. I rang the motor tax office who sent it out to me, and on receiving it, the insurance company (AXA for the record) agreed to insure me but made it clear they were making an exception because I had business with them before and generally won't insure cars which have been declared off the road for a period of time. I can't see how but apparently it is a significant marker of risk, maybe from people in similar situations driving without insurance.



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    #11
    Raichų
    Registered Users Posts: 125 ✭✭Raichų


    https://www.boards.ie/discussion/comment/122338384#Comment_122338384

    Like was said above it’s prob a case of a car not being driven is inclined to rust etc (especially old cars) and it could also suggest to insurer the car has had major repairs hence it’s not been driven



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    #12
    coylemj
    Registered Users Posts: 25,437 ✭✭✭✭coylemj


    https://www.boards.ie/discussion/comment/122343278#Comment_122343278

    I think it's more that they suspect the car has been driven uninsured, it's just been confiscated by the cops and they won't release it until you produce an insurance cert.



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    #13
    Raichų
    Registered Users Posts: 125 ✭✭Raichų


    https://www.boards.ie/discussion/comment/122344092#Comment_122344092

    I doubt that is a concern, namely because the Gardai will release an impounded car without producing insurance cert if you have it towed out.
    That of course is putting aside that they won’t hold an impounded car forever. I think the max is a few weeks and they’ll scrap it then.



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