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Showing 61 - 70 results (out of a total of 225) found for "insurance" in Ask Us Anything

Can I privately tax and insure this Transit?

Taxing a five-seat M-Sport Transit for private use. What will it cost and will insurers cover it?

Paul Barrett (Kerry )

Sep 2020 Filed under: commercial vehicle

Expert answer

Hi Paul,

I’m presuming that has the 2.0-litre EcoBlue engine? If so then it’s €710 a year to tax as a private car. As for insurance, yes you can insure it privately, but you might have to shop around a good bit. Some insurers are wary of such policies, but a good broker should be able to help you out.


Can I insure and tax a Caddy privately?

Can I insure a 1.9 Caddy and tax it privately?

Shane Kennedy (Kilmakthoms )

Sep 2020 Filed under: insurance

Expert answer

Hi Shane,

Yes you can. The tax part is pretty simple — you just call into or phone your local motor tax office and let them know that you want to convert the van to private tax. With a 1.9-litre engine, you’ll pay €710 per year in motor tax. Insurance, to judge from the responses we’ve had from some readers, is a little more tricky, but is possible. You’ll probably have to do a good bit of phoning around, or possibly get in touch with a good local broker.


Can I get classic insurance on my Mercedes?

My Mercedes is nineteen years old; can I get classic insurance?

Michael Hogan (Dublin)

Sep 2020 Filed under: insurance

Expert answer

Hi Michael,

No, I’m afraid you can’t. In Ireland a car has to be at least 30 years old before it qualifies for classic (vintage, as it’s somewhat erroneously known) tax or insurance.


Can I tax my small van privately?

I have a small van and I have commercial insurance. Can I tax it privately?

Anna Smith (Galway)

Aug 2020 Filed under: taxation

Expert answer

Hi Anna,

Yes, you can, and all you have to do is get in touch with your local motor tax office. However, you’ll need to let your insurer know of the change of use too, and that may affect your premium.


Thinking of importing a pick-up...

Hi,

I'm looking to buy a 2016 Mitsubishi L200 2.4 Barbarian in the North. I'm an electrician working for one person so it's just both of us. I haven't asked him yet but is it possible that if I buy it could I use his VAT number to reclaim the VAT paid? Also when I do bring it through, will I be able to put it down for commercial tax without being registered for VAT myself? I have only had standard car insurance previously, no van.

Alan Hodgers (Castlebellingham)

Aug 2020 Filed under: commercial vehicle

Expert answer

Hi Alan,

The problem here is that you’re trying to do some of it through the company and some of it yourself, which to be honest doesn’t really work. First off, if you want to use the company (or individual’s) VAT number then the car is going to have to be registered to them, not to you. In theory you can tax a vehicle commercially without a VAT number, but in practice it’s tricky, and if you get caught using it for any social, domestic, or pleasure use then there are big fines ahoy. 


Looking an importing a 1990 Defender...

I am thinking of importing a 1990 (or earlier) Land Rover Defender 110 from the UK, but am unsure of the VRT charge and the cost of road tax and insurance or even where to get insurance from. Can I tax and insure a commercial 4x4 for personal use if it's 30 years old and vintage? I don't have a business that I can register it against and am just a regular PAYE worker. This will only be a run-around for me and my son so not big mileage. Any help with these queries would be greatly appreciated.

Bill Hughes (Geashill, Offaly)

Aug 2020 Filed under: importing

Expert answer

Hi Bill,

You can absolutely tax and insure a commercial vehicle for private use and, as it is more than 30 years old, it’ll be really cheap to import and to tax — the VRT will be a flat rate of €200 while the motor tax will be €56.

Insurance will, as ever, be the wrinkle — generally, if you want to put it on a classic scheme, most insurers will insist that you have another ’normal’ car for everyday use, and it might be tricky putting down your son as a named driver. I’d suggest getting in touch with a good local broker, who might be able to unearth a better deal for you than just searching around on the internet. 


Can I convert a Hilux to private use?

Is it possible to convert a commercial vehicle, category N1,  to a private vehicle category M1? Example: Toyota Hilux - if this has a vehicle category of commercial listed on the logbook then you need a category C driving licence, but if this can be registered as a private car and have private listed on the logbook then it can be driven on a category B driving licence.

Roger Gammon (Galway)

Aug 2020 Filed under: commercial vehicle

Expert answer

Hi Roger,

Yes, in theory, you can register any commercial vehicle for private use, once you let the local motor tax office know. There can be issues with getting private insurance on some models, so check that with your insurer or broker first, and with a Hilux you’ll probably end up paying quite a chunk in tax, as it’ll switch to the by-engine-capacity system. 


I want to insure a Jaguar XE...

I am interested in buying a Jaguar XE 2.0-litre. I am 26 years old; roughly how much would it cost me to insure and who does the cheapest insurance?

Thank you

Lokeshwar Bakthavathsalam (Dublin)

Aug 2020 Filed under: insurance

Expert answer

Hi Lokeshwar,

How much? Lots. Who? Hardly anyone. Sorry to be cruel, but when you’re under thirty and your engine size is over 1.4, most insurers won’t even touch you, and those that do will be looking for a second mortgage for the first year’s premium. Get a good broker on your side and see what you can dig up, but it won’t be easy I’m afraid to say. 


Should I register my UK car in Ireland?

I have taken a car from UK where I was living back to Ireland, the car is worth about 200 Euro; is it worth changing it over?

James Mc C (Dublin)

Jul 2020 Filed under: importing

Expert answer

Hi James,

You mean get it re-registered? Yes, you have to — it’s the law. Thankfully, as it’s a change of address, as long as you can demonstrate six months' previous tax and insurance in the UK, it will only cost you the price of the new numberplates. 


Can I tax and insure a Caddy van privately?

Hi, help needed: I bought a Caddy van for carrying the dog and bicycles. Could not get private insurance so had to get commercial instead. My problem is I cannot tax it as a commercial vehicle as I have no VAT number. Question: can I tax it as a private vehicle at €514?

Cheers

A

Adrian Culligan (Fermoy)

Jul 2020 Filed under: commercial vehicle

Expert answer

Hi Adrian,

Yes, you can. Or at least, you certainly should be able to. Simply ring up your local motor tax office and they should be able to just transfer you to the old engine-capacity tax system. On the insurance front, have you tried getting a good broker? They can often find deals that we orindary humans cannot. 


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