Medical student / graduate car insurance

Echani

Hey all, I'm in the process of buying a new car to last me brought my clinical placements in the next couple of years, and the dealer mentioned something about special deals or group schemes insurance companies do for medics. I've never heard of it and it's tough to get any info from college during summer.. Anyone know what he was talking about?

Back to the books with me, 17 days until usmle step 1. Erk.

charlieroot

I think the IMO have some stuff on this. Get in touch with them. Its free to join for students.
Good luck with USMLE.

Amnesiac_ie

The IMO deals are not particularly good.

Being a junior doctor actually increases your premium due to the loading associated with the increased risk of crashing due to long hours and driver fatigue!

Echani

I'm an IMO member but I don't seem to have a membership number. I'll give them a call tomorrow anyway and see what the quotes are like - cheers

drzhivago

Amnesiac_ie wrote: »

The IMO deals are not particularly good.

Being a junior doctor actually increases your premium due to the loading associated with the increased risk of crashing due to long hours and driver fatigue!

As usual when fact presented as such it can be taken as real when not the case

The IMO policy is available to members only to cover them fro use of car for work, if you dont use your car for work then you will probably get a cheaper quote elsewhere

Using car for work does not mean driving to and from work

If you work in two different hospital sites, if you have to drive to a regional teaching conference, if you drive to training days for your scheme, if you provide on call from home and rive to work at night or during the working period you are then using a car for work

This raises your risk profile as it usually means more driving ( though in our case not a lot more in comparison to a salesperson)

In some hospitals when I was an sho we had to drive the cardiac car!!!never did it myself

The problem for most NCHDS is they look for cheapest quote first without considering whether they will actually be insured

f you get a regular policy they usually cover recreational driving but not driving during work, hence any accident on call will not be covered

Not sure the IMO policy will be cheaper for a student but you will at least get a quote which you may not get or get a completely unrealistic one depending on your age otherwise

Vorsprung

I got a quote off the IMO a few years ago and it worked out more expensive (by a long way). Not to say that it might not be cheaper for someone else.

Have a look at insurers like Hibernian who have a driving course - I passed it and got a fair bit knocked off my insurance.

drzhivago

Vorsprung wrote: »

I got a quote off the IMO a few years ago and it worked out more expensive (by a long way). Not to say that it might not be cheaper for someone else.

Have a look at insurers like Hibernian who have a driving course - I passed it and got a fair bit knocked off my insurance.

IF you read through my last post a quote for general driving may well be cheaper, a quote to use your car for work eg

• GP reg on call
• Reg on call from home
• driving between two hospital sites
• driving to remote clinics
• covering multiple hospital sites

Then you will need a different policy than standard recreational driving policy, otherwise you will not be covered

CAme across this issue in a hospital I worked in when one of my registrar colleagues had an accident while coming to hospital at night on call, in the end insurance didnt cover as they said he wasnt insured to drive car during work. Very costly

Vorsprung

drzhivago wrote: »

IF you read through my last post a quote for general driving may well be cheaper, a quote to use your car for work eg

• GP reg on call
• Reg on call from home
• driving between two hospital sites
• driving to remote clinics
• covering multiple hospital sites

Then you will need a different policy than standard recreational driving policy, otherwise you will not be covered

CAme across this issue in a hospital I worked in when one of my registrar colleagues had an accident while coming to hospital at night on call, in the end insurance didnt cover as they said he wasnt insured to drive car during work. Very costly

The OP is using the car to go to college, not to work.

drzhivago

Vorsprung wrote: »

The OP is using the car to go to college, not to work.

again different circumstances than normal student

Some will have remote placements
Some will have remote placemenst where they must drive back to dublin during the day to come back to tutorials again could count as driving for work re explanation above

The point I was getting at is that it is not always cut and dried with insurance company, if you dont specify what driving you will do they will often exclude a claim afterwards on the grounds that you did not give enough information about what sort or how much driving you would do

While in college how many of the students will do overnight on calls, how many will drive home after same??