Insurance on a English Reg???

spiderdan

Hi, I've called a few Insurance companies about getting insured on a English reg car, all of them have say, no sorry no companies insure British Reg cars in the South, I know this isn't true- anyone have any numbers, I'm looking to get insured on a 88 BMW 318- I'm 26, 1years no claims, I shouldn't have any trouble, should I. Any good brokers about?

craichoe

spiderdan wrote: »

Hi, I've called a few Insurance companies about getting insured on a English reg car, all of them have say, no sorry no companies insure British Reg cars in the South, I know this isn't true- anyone have any numbers, I'm looking to get insured on a 88 BMW 318- I'm 26, 1years no claims, I shouldn't have any trouble, should I. Any good brokers about?

Don't think so, there were exceptions in the past with the north and that but a company will only cover you in the republic if your car is registered to an address in the republic.

Mr. Presentable

Your vehicle must be registered at an Irish address to be insured in Ireland. What's the story, trying to avoid VRT/Road Tax? Why otherwise would you want to insure a UK reg'd car?

spiderdan

No its just that when I'm bringing the car back to Ireland I want it to be insured on the Roads in England, getting off the boat in Ireland etc, a bloke I worked with said he got insured off some Brokers in Ire, who does everyone else who imports cars into the country do it??

Anan1

Most companies will cover cars on a UK plate for the few days it takes to get the car home and VRTd.

Hi OP,

Have you tried quinn. I had my english reg car with them for months with no problems before moving to the uk and I have already got a quote form them as im returning.

However my car is registered in my name to a uk address if the car is not actually reg'ed in your name to a uk address I wouldnt drive it for too long as the car must be in your name to meet the terms and conditions of insurance, not in limbo. i.e exported from uk but not registered in ireland.

Keith C

spiderdan wrote: »

No its just that when I'm bringing the car back to Ireland I want it to be insured on the Roads in England, getting off the boat in Ireland etc, a bloke I worked with said he got insured off some Brokers in Ire, who does everyone else who imports cars into the country do it??

Ring your insurance company & tell them you are buying a new car in UK, ask them to do a temporay substitution for a month so you can collect car & pay VRT. (should be free)
If this fails ask for a temporary additional vehicle to be added to your policy, you will be charged for this.

Sabre Man

Give them the VIN number and then give them your new Irish registration number once you get it. Explain that you're importing the car and will register it as soon as you can.

Worked for me last year with Axa.

blastman

As said, if you are just bringing the car to Ireland, you should have no problem transferring your existing insurance for a few days to allow you get the car in and VRT it. You should be able to do this based on the English reg although some companies may want the VIN as well.

Trying to insure an English reg car on an ongoing basis while living at an Irish address is a no-no.

TheFoozinater

Arry here now..... ..... no-no :rolleyes:

I was in the uk a while back.... for about a week... and since have been living back home in ireland for the last two years with english reg's on two seperate cars !!

I rang quinn and asked how they felt about it, and as far as they were concerned once it was registered in Ireland England Scotland or Wales ....
they were happy enough to insure it !!

As we all know anyway..... VRT is an illegal tax in all EU states.....
and thus by paying this tax.....
YOU ..... yes ..... YOU ..... are acting illegally :mad:

maidhc

I had no problem getting Axa to insure my car on UK plates. in fact I forgot to tell them when I put Irish plates on it!

Zube

...grabs popcorn...

TheFoozinater

TheFoozinater wrote: »

Arry here now..... ..... no-no :rolleyes:


I rang quinn and asked how they felt about it, and as far as they were concerned once it was registered in Ireland England Scotland or Wales ....
they were happy enough to insure it !!

This is exactly what quinn told me when I insured my car with them. They basically dont care once the car is reg'ed in your name. So its far from a "no-no"

mcwhirter

spiderdan wrote: »

Hi, I've called a few Insurance companies about getting insured on a English reg car, all of them have say, no sorry no companies insure British Reg cars in the South, I know this isn't true- anyone have any numbers, I'm looking to get insured on a 88 BMW 318- I'm 26, 1years no claims, I shouldn't have any trouble, should I. Any good brokers about?

When I bought a car in britain, I changed my current insurance which was on an irish car( car was sold) to the british one. The insurance company just asked me to inform them when I registered it here.
So maybe they will insure you if you already had a policy on an irish car.

Vertakill

I was insured on NI plates for about 3 months before I vrt'd my car with Quinn. In fact, I even have an insurance claim (allbeit, the other party's insurance) that has just been finalised, all of which was when it was on NI plates.

I too forgot to officially change my policy to the Irish reg..

mcwhirter wrote: »

When I bought a car in britain, I changed my current insurance which was on an irish car( car was sold) to the british one. The insurance company just asked me to inform them when I registered it here.
So maybe they will insure you if you already had a policy on an irish car.

Exact same situation as me.

Kotek Besar

Yep, Quinn will insure a UK reg car for the entire length of the policy, if needed. I just rang them up to confirm. As long as the car is registered somewhere on the British islands or Ireland, they'll insure it. Handy!

TheFoozinater

You see this is what I'm saying....

from an insurance point of view.... they really only care that the car is registered in your name, and that it is fit to be on the road....

The rest comes down to your own conscience.....

can you get up in the morning and look at yourself in the mirror.....
knowing you are being illegal......

I find it hard .... I must say.... hence we should comply with EU law and stop being acting illegaly :eek:

Keith C

If your driving around on UK regs, do you renew your tax in UK??
Quinn take on anything & everything so it wouldn't surprise me bout insuring uk regs, just read the small print in case of a claim

Zube

Keith C wrote: »

If your driving around on UK regs, do you renew your tax in UK??

Many years ago, I was driving about in a UK import for a while before I got the tax sorted out, and the boys in blue were Not Amused when they noticed that the UK tax had run out, a dead giveaway at any checkpoint.

These days they are a lot less easygoing, and you risk having the car seized until you pay a fine on top of the VRT.

Kotek Besar

Keith C wrote: »

If your driving around on UK regs, do you renew your tax in UK??..

Quinn told me that an Irish policy cannot be used to renew UK car tax, which sounds about right. However, I've read on here that some people have re-taxed a UK car, that's insured by Quinn on an ROI policy, at post offices in the North.

Anan1

TheFoozinater wrote: »

The rest comes down to your own conscience.....

can you get up in the morning and look at yourself in the mirror.....
knowing you are being illegal......

It's a very public form of tax evasion, i'd be more worried about neighbours/colleagues/acquaintances informing revenue, maybe having to explain to the kids one rainy morning why the man's taking daddy's car away, ensuing audits, that sort of thing.

benifa

benifa wrote: »

Quinn told me that an Irish policy cannot be used to renew UK car tax, which sounds about right. However, I've read on here that some people have re-taxed a UK car, that's insured by Quinn on an ROI policy, at post offices in the North.

You can renew tax with a irish policy. When I moved to the uk first I used my irish policy for a few months so I would not lose out on another years no claims driving. I renewed my tax no problem with my irish policy. Went into the post office showed my irish cert of ins, mot and renewal letter no questions asked.

TheFoozinater

maybe having to explain to the kids one rainy morning why the man's taking daddy's car away, ensuing audits, that sort of thing.

let the little feckers walk....
maybe then there would be a bit less obeseity in this country....
for gods sake ... you'd swear they were going to melt !!!
Or.... is it that it would weaken their "natural defences" :rolleyes:


but thats besides the point....

so are you suggesting that my neighbours would be stupid enuf to report me for complying with EU law... when they are breaking it ?

this sounds like a most unusual thing to do !

Vertakill

Caiden Polite Werewolf wrote: »

You can renew tax with a irish policy. When I moved to the uk first I used my irish policy for a few months so I would not lose out on another years no claims driving. I renewed my tax no problem with my irish policy. Went into the post office showed my irish cert of ins, mot and renewal letter no questions asked.

I don't really understand exactly what you did here, but here is a question.
If you have an NI tax disc that runs until, say, September.. can you get your Irish tax from September onwards, or do they backdate it to when the car was VRT'd? (I've always understood it as the latter, backdating etc.. but your post made me think).

TheFoozinater

You would have to have had it declared off the road...... which would require a trip to your local gardaí .... and a pretty good excuse

"Hello Guard"

Vertakill

Vertakill wrote: »

I don't really understand exactly what you did here, but here is a question.
If you have an NI tax disc that runs until, say, September.. can you get your Irish tax from September onwards, or do they backdate it to when the car was VRT'd? (I've always understood it as the latter, backdating etc.. but your post made me think).

Sorry my post wasnt very clear. What I did was renew my uk tax using an irish cert of insurance as in the uk you must prove you have insurance before you can tax your car(I was living in the uk at the time). It was in reply to benifa who did not think this was possible.

To answer your question They would not take the uk tax into account, thefoozinator is correct you just need to get it signed off the road in your local station and then they will not backdate the tax.

Anan1

TheFoozinater wrote: »

so are you suggesting that my neighbours would be stupid enuf to report me for complying with EU law... when they are breaking it ?

this sounds like a most unusual thing to do !

* yawn *

nogoodnamesleft

When I was comming off the ferry, customs were looking at tax disks on english registered cars to identify cars being imported. BTW if you return to britian and if you have valid UK tax on a car you imported to Ireland you can claim it back in the post office if there is time left in it.:D

Guy:Incognito

TheFoozinater wrote: »

As we all know anyway..... VRT is an illegal tax in all EU states.....

Yawn, are we doing this again. No it's not an illegal tax.

Guy:Incognito

benifa wrote: »

Quinn told me that an Irish policy cannot be used to renew UK car tax, which sounds about right. However, I've read on here that some people have re-taxed a UK car, that's insured by Quinn on an ROI policy, at post offices in the North.

If someone is deciding to break the law and not pay VRt and thus paying Irish motor tax, why on earth would they bother throwing good mooney away taxing a UK car for no reason. The Authorities in the UK wont give a crap that a permenently exported car hasnt been retaxed.

Which raises the other issue. When the dvla are informed that the car is being exported, then it is effectivly deregistered there. So how could you even go about taxing it? (unless of course the sellign party doesnt send off their section of the V5, in which case they are stupid because they are leaving themsleves open to fines etc)

craichoe

TheFoozinater wrote: »

let the little feckers walk....
maybe then there would be a bit less obeseity in this country....
for gods sake ... you'd swear they were going to melt !!!
Or.... is it that it would weaken their "natural defences" :rolleyes:


but thats besides the point....

so are you suggesting that my neighbours would be stupid enuf to report me for complying with EU law... when they are breaking it ?

this sounds like a most unusual thing to do !

Whatever man, the Law is the Law in Ireland, you can blab on about EU law all you want but until the EU push it through Customs will look for money off you and seize your vehicle if you don't

Zube

Stekelly wrote: »

If someone is deciding to break the law and not pay VRt and thus paying Irish motor tax, why on earth would they bother throwing good mooney away taxing a UK car for no reason.

As I noted earlier, the Irish cops at a regular checkpoint will spot an expired UK tax disc: this has happened to me. This will start them asking questions, so if you're trying to dodge paying VRT, you can't have an expired UK disc in the window.

Kotek Besar

Stekelly wrote: »

..The Authorities in the UK wont give a crap that a permenently exported car hasnt been retaxed.

Which raises the other issue. When the dvla are informed that the car is being exported, then it is effectivly deregistered there. So how could you even go about taxing it?..

We're not talking about exporting a UK car. We're talking about insuring a UK car in Ireland. That is, a car that is still registered in the UK and has not been exported.

Guy:Incognito

benifa wrote: »

We're not talking about exporting a UK car. We're talking about insuring a UK car in Ireland. That is, a car that is still registered in the UK and has not been exported.

Yes but its not supposed to be. An Irish resident is not allowed to drive a foreign registered car in Ireland. Full stop.

Either way, it has to be registered somewhere so when it's bought the V5 has to be sent off to either change ownership (which they wont do to an Irish adress) or be permenantly exported (which is what happens when an irish resident buys acar in the uk to bring home)

Stekelly

Stekelly wrote: »

Yes but its not supposed to be. An Irish resident is not allowed to drive a foreign registered car in Ireland. Full stop.

Either way, it has to be registered somewhere so when it's bought the V5 has to be sent off to either change ownership (which they wont do to an Irish adress)

They will not register it to an irish address but the car can be registered in your name to a family or friends address in the uk. That is if you have friends or family there.

Kotek Besar

Stekelly wrote: »

Yes but its not supposed to be. An Irish resident is not allowed to drive a foreign registered car in Ireland. Full stop.

Not that EU law is a favourite here in Ireland, it is still valid none the less. You have 6 months to register your car in Ireland, from the date you became resident here.

Oh, and a person can be legally resident in more than one EU Member State at any one time. Also, the Member State in which you are resident depends on where you are at the time. I can be resident in Ireland today, Germany tomorrow and Italy the next day.

It's all defined in European Directive 2004/38/EC.

Stekelly wrote: »

Either way, it has to be registered somewhere so when it's bought the V5 has to be sent off to either change ownership (which they wont do to an Irish adress) or be permenantly exported (which is what happens when an irish resident buys acar in the uk to bring home)

A UK car must be registered to the UK address at which you are resident at the time of purchase. If you move to another address within the UK, the address on the V5 must be changed to the new. If your place of residence moves to outside the UK, the address on the V5 need not be changed, unless your new Member State of residence becomes your country of residence for over 6 months.

Guy:Incognito

benifa wrote: »

A UK car must be registered to the UK address at which you are resident at the time of purchase. If you move to another address within the UK, the address on the V5 must be changed to the new. If your place of residence moves to outside the UK, the address on the V5 need not be changed, unless your new Member State of residence becomes your country of residence for over 6 months.

We arent talking about a UK resident moving house here though. We are talking about an Irish person going to the UK and buying a car.

Kotek Besar

Stekelly wrote: »

We arent talking about a UK resident moving house here though. We are talking about an Irish person going to the UK and buying a car.

Ok, even in that case, an Irish citizen becomes resident in the UK the day he arrives there. If he then returns to Ireland, he ceases to be a UK resident and becomes, once again, and Irish resident. In that case, EU law applies in respective the 6 months time limit on registering a vehicle from another Member State in the Member State of residence.

I know it sounds far-fetched, but the way EU law defines residence is all in Directive 2004/38/EC.

Guy:Incognito

benifa wrote: »

Ok, even in that case, an Irish citizen becomes resident in the UK the day he arrives there. If he then returns to Ireland, he ceases to be a UK resident and becomes, once again, and Irish resident. In that case, EU law applies in respective the 6 months time limit on registering a vehicle from another Member State in the Member State of residence.

I know it sounds far-fetched, but the way EU law defines residence is all in Directive 2004/38/EC.

You dont become a resident of a country when you go on holidays there.

If it were as simple as your making out, everyone in the country could just take a shopping trip to Newry every 6 months and leaglly avoid VRT and motor tax. Try it and let us know how you get on.

Kotek Besar

Stekelly wrote: »

You dont become a resident of a country when you go on holidays there.

Yes, you do. Read the Directive.

Stekelly wrote: »

If it were as simple as your making out, everyone in the country could just take a shopping trip to Newry every 6 months and leaglly avoid VRT and motor tax. Try it and let us know how you get on.

Theoretically, yes, you could do exactly that. Off-topic, but a trip to Newry and a night in a B&B, in order to acquire a period of residence in the UK, is exactly what many EU/non-EU couples had to do, to fulfil the Irish Department of Justice's ridiculous prior residency clause 3(2) of SI 656 of 2006. That is, before the European Court of Justice ruled the clause as legally invalid on 25th July this year.

cee_jay

My UK Reg car is insured here with Eagle Star - when I rang they said it didn't matter that it was UK Reg, I could insure it with them for up to a year on those plates.

Guy:Incognito

cAr0l wrote: »

My UK Reg car is insured here with Eagle Star - when I rang they said it didn't matter that it was UK Reg, I could insure it with them for up to a year on those plates.

The insurance wont care but the Gards and/or revenue will should they encounter you.

Alun

benifa wrote: »

Yes, you do. Read the Directive.

You can accumulate days of residence, i.e. days when you were resident in another EU member state, but that doesn't make you a resident (or odinarily resident, which is what matters here) until you've racked up 183 days, or six months or whatever the limit is.

Guy:Incognito

Alun wrote: »

You can accumulate days of residence, i.e. days when you were resident in another EU member state, but that doesn't make you a resident (or odinarily resident, which is what matters here) until you've racked up 183 days, or six months or whatever the limit is.

Exactly and you would rack up the cost of the VRt fairly quickly by paying for hotels/b&bs for 6 month of the year.

cee_jay

Stekelly wrote: »

The insurance wont care but the Gards and/or revenue will should they encounter you.

I encoutered the Guards last week at a checkpoint - I have all the docuements to prove my car is legally on the road here.

I was an UK resident for over a year - I have just moved back home.
My insurance ran out the week I was home, the company I work for couldn't decide if I was being transferred back to the UK or not, so insured the car here as I was not going to be covered by my UK company on a long term basis here.

This thread is about Irish companies insuring UK cars - I am just answering the OPs question.

L-M

Didn't read the rest of the thread, but the cousin just bought a car in England and AXA are covering him.

barochoc

I know plenty of people who travel over to buy cars & never have this problem. You just have to inform them of what you are doing. Normaly the reg & the make/model of car will suffice.

So if you have a policy now it should be no problem. If you have no policy at present I can see your dilema!

Just insure yourself on some cheap banger for the time being & tell them you're headin to UK to buy a drive back a car. They shouldn't have any problem with this regadless of who you're insured with!