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Hi all,
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stopped by guards today, need advise

24

Comments

  • #32
    [Deleted User]
    Posts: 23,339 ✭✭✭✭[Deleted User]


    charlemont wrote: »
    Only if the court recieives the correct details ..:D

    The summons to court doesn't specify to bring the license either ;)


  • #33
    sentient_6
    Registered Users Posts: 2,780 ✭✭✭sentient_6


    I'm confused as to why you need to wait till tuesday to find out from the insurance company what you need to know? Is her insurance cert not to hand?


  • #34
    Fishtits
    Closed Accounts Posts: 1,382 ✭✭✭Fishtits


    This stinks.

    Hubby & Wife not insured in each others cars?

    Static VCP, all window docs in order, driver asked for DL, insurance etc.

    Nah. Something we're not being told here...


  • #35
    Shane Fitz
    Registered Users Posts: 426 ✭✭Shane Fitz


    Anan1 wrote: »
    Rochey18 wrote: »
    Would an open car policy on his policy not also cover his wife?
    It's far more likely that she has the driving other cars extension than that he has open drive.
    Remember though guys, the driving other cars extension, only covers you to the same engine size as your own vehicle.


  • #36
    [Deleted User]
    Posts: 23,339 ✭✭✭✭[Deleted User]


    Shane Fitz wrote: »
    Remember though guys, the driving other cars extension, only covers you to the same engine size as your own vehicle.

    .... where did you get that from?


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  • #37
    Shane Fitz
    Registered Users Posts: 426 ✭✭Shane Fitz


    RoverJames wrote: »
    Shane Fitz wrote: »
    Remember though guys, the driving other cars extension, only covers you to the same engine size as your own vehicle.

    .... where did you get that from?
    Check your policy... The small print

    Are you suggesting that someone insured in their little 1 litre micra, could potentially borrow a 3ltr SUV and their insurance would cover the 3rd party in the event of an accident?


  • #38
    Atlantic Dawn
    Registered Users Posts: 81,073 ✭✭✭✭Atlantic Dawn
    M


    It's either on her insurance certificate or not if she can drive other cars third party no need to wait until tuesday for word from above. If she presumed she could she's a backward and should be off the road and her car crushed to a shell.


  • #39
    [Deleted User]
    Posts: 23,339 ✭✭✭✭[Deleted User]


    I have seen 3rd party extension limited to cars up to 2.0, I find it strange you reckon my policy has the stipulation you are stating as fact. My sisters last car was a 1.3 ka and her extension had no engine size limitation.


  • #40
    evanSpiddal
    Registered Users Posts: 109 ✭✭evanSpiddal


    I know with Quinn (now Liberty) I was allowed to drive any car as long as it was insured and NCT'd as long as I had a full licence, been that way since I was 18 (rang them to be sure), and there wasn't any engine restriction as far as I know.


  • #41
    sdanseo
    Registered Users Posts: 9,233 ✭✭✭sdanseo


    evanSpiddal wrote: »
    I know with Quinn (now Liberty) I was allowed to drive any car as long as it was insured and NCT'd as long as I had a full licence, been that way since I was 18 (rang them to be sure), and there wasn't any engine restriction as far as I know.

    I'm Liberty as well, and only TPFT at that, and I'm covered for other cars. When I asked them to clarify any engine restriction, she told me "ah just as long as its not a big WRX or something like that". And that was when I was 17 and paying them €2,000 a year.

    OP as I said in legal issues before your thread was quite ridiculously censored, she's looking at 5 points, mandatory court appearance and probably a hefty fine if convicted.


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  • #42
    mathepac
    Banned (with Prison Access) Posts: 4,991 ✭✭✭mathepac


    With a bit of luck they'll both get prosecuted, wife for driving with no insurance if it turns out she isn't covered and OP for allowing his car to be driven by someone with no cover.

    A special category needs to be created for fining lazy dumbasses who can't be bothered to read their own policy and schedule to figure out who is covered to drive what cars. These days they ate written in straightforward English with all the "whereases, wherefores and here-to-fores" gone.

    When I was with Hibernian many moons ago, my partner and I named each other as drivers on our respective policies. We saved about £200 a year in premiums and more importantly, we knew because we checked, who was (and wasn't) covered to drive each car.


  • #43
    Henry Ford III
    Moderators, Business & Finance Moderators Posts: 17,615 Mod ✭✭✭✭Henry Ford III


    What I don't understand is the mindset. OP has a drink, and wife jumps in and drives seemingly without a thought as to whether or not she was covered.


  • #44
    Merch
    Closed Accounts Posts: 3,327 ✭✭✭Merch


    Blue850 wrote: »
    Be careful of the third party cover on other cars clause.
    When I was insured with AXA, "driving of other cars" excluded Spouse/partner's car, I had to name my wife on my policy and she had to name me on hers. Also other car had to have tax and NCT which led to more bother with my brother's NCT exempt classic car, AXA couldn't tell me wether or not I was covered to drive it under my 3rd party cover to drive other cars clause:rolleyes:. got named on his policy too...

    I've had insurers provide my own insurance plus the tpft to cover me third party on other cars, some specifically excluded cars that would be permanently at the same residence,some didnt.
    charlemont wrote: »
    Only if the court recieives the correct details ..:D
    RoverJames wrote: »
    The summons to court doesn't specify to bring the license either ;)

    Isn't it now an offence to not bring your licence to court if for driving offences? punishable by a minimum fine of €1000?
    At least there is some reasonable replies now, earlier people are suggesting very laxly that it should be ok, no problems, but uninsured drivers are a big problem, whether thats just outright refusal to insure a vehicle or blithly ignoring whether they are covered or not.


  • #45
    weisses
    Registered Users Posts: 9,430 ✭✭✭weisses


    Reading this reminds me again how flawed this insurance system is in Ireland


  • #46
    Anan1
    Registered Users Posts: 22,818 ✭✭✭✭Anan1


    weisses wrote: »
    Reading this reminds me again how flawed this insurance system is in Ireland
    I can't see how any of this reflects on our insurance system.


  • #47
    Mycroft H
    Registered Users Posts: 9,316 ✭✭✭Mycroft H


    Anan1 wrote: »
    I can't see how any of this reflects on our insurance system.


    +1.

    Pretty clear in your policy documents as to whether your covered or not. I can't see the problem here.


  • #48
    weisses
    Registered Users Posts: 9,430 ✭✭✭weisses


    Anan1 wrote: »
    I can't see how any of this reflects on our insurance system.

    insure the person regardless what car he or she is driving .... Works perfect


  • #49
    Mycroft H
    Registered Users Posts: 9,316 ✭✭✭Mycroft H


    weisses wrote: »
    insure the person regardless what car he or she is driving .... Works perfect


    That's not going to work.


  • #50
    weisses
    Registered Users Posts: 9,430 ✭✭✭weisses


    BX 19 wrote: »
    That's not going to work.

    well it works in the Netherlands got my license and was able to drive any car ... This system in Ireland is just pathetic


  • #51
    BarryM
    Registered Users Posts: 837 ✭✭✭BarryM


    It's a measure of the dumbness of many posters that this thread takes 4+ pages....

    The solution is to ask for the insurance you want and decide if you want to pay for it. If you don't, buy what you can afford and UNDERSTAND the cover you bought, not rocket science.

    Don't forget to ask if they offer reductions for multiple policies with the same company, I saved €100+ that way.


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  • #52
    AltAccount
    Registered Users Posts: 2,058 ✭✭✭AltAccount


    weisses wrote: »
    well it works in the Netherlands got my license and was able to drive any car ... This system in Ireland is just pathetic different

    FYP :rolleyes:

    You buy your insurance. You decide whether you want to insure a single car or buy an Open Drive policy. You decide whether you want to name additional drivers on your policy. You decide whether you want to buy a policy that allows you to drive other cars TP.

    It's pretty bloody simple TBH.


  • #53
    Coriolanus
    Registered Users Posts: 4,879 ✭✭✭Coriolanus


    A friend got caught out with something similar recently. She was insured in any car, but they didn't tell her she had to inform them by phone when shed be driving another car else she was only third party covered, not fully comp like in her own. Expensive mistake, since she would up hospitalized and they wouldn't cover her.


  • #54
    weisses
    Registered Users Posts: 9,430 ✭✭✭weisses


    AltAccount wrote: »
    FYP :rolleyes:

    You buy your insurance. You decide whether you want to insure a single car or buy an Open Drive policy. You decide whether you want to name additional drivers on your policy. You decide whether you want to buy a policy that allows you to drive other cars TP.

    It's pretty bloody simple TBH.

    just the one policy that covers all ... That is simple .... To many threads with to many people being fecked because they didn't know ... Or the asumed something ...All by there own mistake ofcourse .... System is flawed and should be changed IMHO

    But I agree OP should have known better


  • #55
    shawnee
    Registered Users Posts: 1,830 ✭✭✭shawnee


    Compton wrote: »
    She'll most likely go to jail for 6 months, driving with no insurance is a serious offense.

    Glass definitely half empty :D;):p


  • #56
    the culture of deference
    Banned (with Prison Access) Posts: 2,196 ✭✭✭the culture of deference


    BX 19 wrote: »
    That's not going to work.

    it works in the USA
    weisses wrote: »
    insure the person regardless what car he or she is driving .... Works perfect

    In australia the car is covered 3rd party once it's rego'd (taxed)


  • #57
    Anan1
    Registered Users Posts: 22,818 ✭✭✭✭Anan1


    weisses wrote: »
    just the one policy that covers all ... That is simple .... To many threads with to many people being fecked because they didn't know ... Or the asumed something ...All by there own mistake ofcourse .... System is flawed and should be changed IMHO

    But I agree OP should have known better
    You're not making any sense. The system is straightforward, anyone who drives uninsured has nobody but themselves to blame. Why would people want to pay to insure cars they might never drive?


  • #58
    little swift
    Closed Accounts Posts: 90 ✭✭little swift


    persons, or classes of persons, whoses liability is covered.

    A, the Insured,
    B, any person driving whose driving is covered.

    just produce her insurance within the next ten days, and she should be fine.


  • #59
    AltAccount
    Registered Users Posts: 2,058 ✭✭✭AltAccount


    little swift wrote: »
    persons, or classes of persons, whoses liability is covered.

    A, the Insured,
    B, any person driving whose driving is covered.

    just produce her insurance within the next ten days, and she should be fine.

    How does that help? As I read it, it basically says "you're insured if you're insured".

    What does it say on her/his specific policies?


  • #60
    kopfan77
    Registered Users Posts: 324 ✭✭kopfan77


    Pkiernan wrote: »
    OP: here is the deal:

    Have your wife bring her certificate of insurance and license with her to the Garda Station.

    The Guard will see these as being in proper order.

    Tell your missus not to volunteer that she was driving your car, just that she was asked to produce her insurance.

    When the Guard gives you the all clear, tell her to request the Pulse ID of the entry he will have made in his computer. This will be a record of her visit in case he forgets to properly log it.

    Do not worry.

    This is exactly what to do....in the meantime if your wife is fully comprehensive then check if the policy also allows her to drive another car third party


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  • #61
    little swift
    Closed Accounts Posts: 90 ✭✭little swift


    AltAccount wrote: »
    How does that help? As I read it, it basically says "you're insured if you're insured".

    What does it say on her/his specific policies?

    it means once she has car insureance she is covered to drive the car with his concent.

    she is covered to drive any car.


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