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car insurance/temporary switchover

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  • 12-09-2014 4:00am
    #1
    johnogog88
    Registered Users Posts: 151 ✭✭


    Hi.my current car is out for repairs at the moment. my brother has loaned me his car for the night.so today I rang my insurance company looking for a temporary crossover just for 1 night.
    Unfortunately I was told that my brothers car is to high of risk for such a switchover. I was just wondering is there any legal grounds I have here as its my policy Its paid for I currently don't have any other car to use other than my brothers.
    All advice welcome thanks.


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    #2
    oldyouth
    Closed Accounts Posts: 4,754 ✭✭✭oldyouth


    No insurer is obliged to grant a temporary transfer to ANY vehicle, but it has become a regular courtesy facility granted for such things like when your vehicle is being serviced. However, if the vehicle, or length of time required do not suit the insurer, they will refuse it, as has happened to you.

    Get yourself named on your brothers policy and drive away


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    #3
    BuffyBot
    Moderators, Motoring & Transport Moderators Posts: 24,924 Mod ✭✭✭✭BuffyBot


    johnogog88 wrote: »
    Hi.my current car is out for repairs at the moment. my brother has loaned me his car for the night.so today I rang my insurance company looking for a temporary crossover just for 1 night.
    Unfortunately I was told that my brothers car is to high of risk for such a switchover. I was just wondering is there any legal grounds I have here as its my policy Its paid for I currently don't have any other car to use other than my brothers.
    All advice welcome thanks.


    It is your policy, and you've paid for it...for your car. Unless you have cover which specifically allows you such a drive other cars benefit, then you have no recourse. And even then, there may be restrictions (re: engine size etc)


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