Temporary insurance for debs?

djimi · 10-07-2014 4:23pm

Sara Vast Peekaboo wrote: »

Well it requires someone else's name on the log book, I could buy a car and put down another family member as the owner for instance.

It depends on the restrictions; I have seen some third party extension not cover cars that were registered to a family member (I presume the insurer was sick of covering all the 60 year old women and their Type Rs :rolleyes:)

biko · 10-07-2014 4:30pm

Several threads from OP merged together

alias no.9 · 10-07-2014 4:42pm

pippip wrote: »

Also just to be clear, the other car might not need to be insured, it depends on the policy.

This has come up a number of times before and there are policies out there that stipulate the car must be insured and others that do not.

You need to check the specific policy.

For the purposes for being covered by insurance driving a car you do not own, that may be correct. Failure to display a valid insurance disc on the windscreen is still an offence and as such the car is not road legal.
Attracting attention to yourself by driving a non road legal car when in a very dubious situation with respect to insurance having deliberately registered a car you own in somebody else's name in order to drive it on your third party extension seems a little bit silly.
Insurance always comes back to three words 'Utmost Good Faith'.

wexie · 10-07-2014 4:58pm

H3llR4iser wrote: »

as a Learner driver, he can't drive without a full license holder in the car. And, for some reason, I really doubt he'd want one to be around

Perhaps the date has a full license?

H3llR4iser · 10-07-2014 6:24pm

wexie wrote: »

Perhaps the date has a full license?

Sure, sure...he's bringing her along exactly because of that

:D

Henry Ford III · 10-07-2014 8:20pm

Pay someone to chauffeur you OP. Relax with your date.

spurious · 10-07-2014 8:25pm

Henry Ford III wrote: »

Pay someone to chauffeur you OP. Relax with your date.

Better still, get Daddy/Mammy to put on a shirt and tie and do it. Save your money.

ironclaw · 10-07-2014 8:27pm

You could transfer your policy. I've done this before in a similar situation (I had to collect a car from a garage for a friend who was out of the country) However, I had a full license at the time but I was a named driver. I just clarified the situation to ensure I was actually insured on the other car as its usually only the policy holder that can transfer. They did say however it was a 'once off' and they don't like doing it.

No insurance company will sell you insurance for less than a year at a time which is utter lunacy. I've often had the need for shorter full policies.

wonski · 10-07-2014 8:49pm

ironclaw wrote: »

You could transfer your policy. I've done this before in a similar situation (I had to collect a car from a garage for a friend who was out of the country) However, I had a full license at the time but I was a named driver. I just clarified the situation to ensure I was actually insured on the other car as its usually only the policy holder that can transfer. They did say however it was a 'once off' and they don't like doing it.
No insurance company will sell you insurance for less than a year at a time which is utter lunacy. I've often had the need for shorter full policies.

He can't transfer his policy as he is a named driver on his brother's one.

Too much hassle in this case as his brother would have to transfer his and could not use the Corolla at the same time.

I think there should be sticky about the Open Drive / Driving Other Cars extension btw. None of the above are available to 18 years old learners anyway.

slimjimmc · 10-07-2014 8:53pm

ironclaw wrote: »

You could transfer your policy. I've done this before in a similar situation (I had to collect a car from a garage for a friend who was out of the country) However, I had a full license at the time but I was a named driver. I just clarified the situation to ensure I was actually insured on the other car as its usually only the policy holder that can transfer. They did say however it was a 'once off' and they don't like doing it.

No insurance company will sell you insurance for less than a year at a time which is utter lunacy. I've often had the need for shorter full policies.

Even if his brother transferred his policy and the insurance allowed the OP drive it there is still the matter of the OP planning on driving without a supervising driver. He didn't say it straight out but it's clear that's what he intended. Even if the date had a full licence for 2 years he'd still be driving to pick her up and he's hardly going to bring his ma/da/brother along.

Not only would the chances of getting caught be increased (Gardaí paying extra attention to the area) it could have very serious insurance ramifications if something happened.

OP, forget the idea of you driving at all, it's much more impressive to be chauffeured than to be chaperoned.

ironclaw · 10-07-2014 9:08pm

slimjimmc wrote: »

Even if his brother transferred his policy and the insurance allowed the OP drive it there is still the matter of the OP planning on driving without a supervising driver. He didn't say it straight out but it's clear that's what he intended. Even if the date had a full licence for 2 years he'd still be driving to pick her up and he's hardly going to bring his ma/da/brother along.

Not only would the chances of getting caught be increased (Gardaí paying extra attention to the area) it could have very serious insurance ramifications if something happened.

OP, forget the idea of you driving at all, it's much more impressive to be chauffeured than to be chaperoned.

Of course. Sorry, I read that but was assuming that if they were bothered to go to that much hassle then it would be all above board on the license front as well. Just offering a solution to one half of the problem of which there are many.

Bridge too far OP I think.

H3llR4iser · 11-07-2014 10:09am

This is really funny: we were talking about the odd Irish attitude towards getting a driving license and instead pretend it's ok to drive on a provisional or learner's permit indefinitely just a few threads ago, and then this comes up.

Sorry to be harsh but, as simple as it is, the OP does NOT have a driving license; Therefore, he can't drive anywhere. End of it.

IrishLad2012 · 11-07-2014 10:15am

MartinC336 wrote: »

Yes..in what regard? A 15minute drive from the woman's house to the hotel, and I'll be minding it for dear life.

What they are saying here is no insurance company will insure an 18 year old on a BMW 318i, not that it matters in your case because the car isn't insured. Your brother isn't covered on this car either as their is no insurance policy on the car.

djimi · 11-07-2014 10:35am

IrishLad2012 wrote: »

Your brother isn't covered on this car either as their is no insurance policy on the car.

People repeating this constantly is not going to start making it true...

Its been said in the thread already that the other car almost certainly does not need to be insured. It hasnt been a stipulation of third party extension with the main insurers for quite a while now.

slimjimmc · 11-07-2014 10:43am

IrishLad2012 wrote: »

What they are saying here is no insurance company will insure an 18 year old on a BMW 318i, not that it matters in your case because the car isn't insured. Your brother isn't covered on this car either as their is no insurance policy on the car.

This is certainly not the norm, I've never seen a policy that required the other car to be insured and posters on previous threads have reported the same as me.

Insurance policies usually only state that if the driver is covered by another insurance policy then he should claim against that policy. That's not the same as saying the car must be insured.

11-07-2014 12:45pm

djimi wrote: »

It depends on the restrictions; I have seen some third party extension not cover cars that were registered to a family member (I presume the insurer was sick of covering all the 60 year old women and their Type Rs :rolleyes:)

I've never seen this on a policy on any of the 3 or 4 companies I've been with or the different companies family members have been insured with.

It would be ridiculous really as its probably the most used and useful aspect of the 3rd party extension, that is for family members to be able to drive each others cars. It's in constant use in my home place as we are always driving each others cars for various different reasons.

djimi · 11-07-2014 12:48pm

Sara Vast Peekaboo wrote: »

I've never seen this on a policy on any of the 3 or 4 companies I've been with or the different companies family members have been insured with.

It would be ridiculous really as its probably the most used and useful aspect of the 3rd party extension, that is for family members to be able to drive each others cars. It's in constant use in my home place as we are always driving each others cars for various different reasons.

I remember seeing it in at least one policy a few years back. I cant remember who it was with, but it was something along the lines of you couldnt drive a car registered to a direct family member (I dont think spouse counted). Maybe I am remembering it arseways, but it stood out as being overly restrictive compared to most policies.

I assumed they were trying to clamp down on young lads insuring a 1L Micra and their ma registering and insuring a Subaru or the likes.

wonski · 11-07-2014 1:07pm

djimi wrote: »

I remember seeing it in at least one policy a few years back. I cant remember who it was with, but it was something along the lines of you couldnt drive a car registered to a direct family member (I dont think spouse counted). Maybe I am remembering it arseways, but it stood out as being overly restrictive compared to most policies.

I assumed they were trying to clamp down on young lads insuring a 1L Micra and their ma registering and insuring a Subaru or the likes.

Had it on Tesco polisy (not sure who was the underwriter - RSA?), car could not belong to the Insured, his direct family member or anyone living at the same address (house mates etc).

Aviva put a 1.4 engine limit on their policy.

It is always worth to read all the documents before making any assumptions for the third party extension.

oldyouth · 11-07-2014 1:22pm

Zurich had it at one point (probably still do) that your driving of other cars extension did not cover a spouse's vehicle.

As others have indicated, everybody's contract is different, even with the same insurer, and you need to read the damn thing

christy02 · 11-07-2014 1:51pm

Hilarious. So in your mind I can buy a 1l micra or something. Insure it with open driving. Buy a big v6 beemer and drive under same policy! Lol

wonski · 11-07-2014 1:56pm

christy02 wrote: »

Hilarious. So in your mind I can buy a 1l micra or something. Insure it with open driving. Buy a big v6 beemer and drive under same policy! Lol

In who's mind

Every single poster points out that the third party extension does not apply to the car(s) owned by the insured. Not to mention the other condition (engine size limit etc).

And can we stop mixing the "open drive" policy with the "driving other cars" policy? Seems like half of the country doen't see the difference, and there is a big difference between these two.

oldyouth · 11-07-2014 2:01pm

wonski wrote: »

In who's mind

And can we stop mixing the "open drive" policy with the "driving other cars" policy? Seems like half of the country doen't see the difference, and there is a big difference between these two.

Can't thank this quote enough

djimi · 11-07-2014 2:02pm

wonski wrote: »

And can we stop mixing the "open drive" policy with the "driving other cars" policy? Seems like half of the country doen't see the difference, and there is a big difference between these two.

It makes discussions like this extremely tedious.

wonski · 11-07-2014 2:08pm

djimi wrote: »

It makes discussions like this extremely tedious.

Every single thread containing words like insurance, open drive and provisional license ends up like this anyway.

I don't even know why I take part in this tbh - we all know the op can't drive this car, but it will take 10 pages to explain it all.

djimi · 11-07-2014 2:25pm

wonski wrote: »

Every single thread containing words like insurance, open drive and provisional license ends up like this anyway.

I don't even know why I take part in this tbh - we all know the op can't drive this car, but it will take 10 pages to explain it all.

I was giving the OP the benefit of the doubt that they were going to follow the law and have a licensed driver with them while driving the car, and as such was just responding to the question regarding the insurance. Im sure the OP knows full well that it is illegal to drive a car unaccompanied when on a leaners permit, and Im sure that they werent suggesting doing such a thing

Henry Ford III · 11-07-2014 2:25pm

Temporary insurance for debs?

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