which Insurance for EU drivers?

Blackpitts

hi guys
I've bought a car finally, now I need to buy an insurance.
The problem is that I'm not irish but EU citizen so I wonder if my no claim bonus from a different country would be accepted here.
I've been living in Ireland for 5 years now and my dad has been driving my car at home until march this year, so I have 5+ year of no claim bonus that I can use.
Do you know if I need to get it translated in english?
I'm also the owner of a scooter here, so I have an insurance with Axa, do you know if I can use this no claim bonus for a car in case the previous one is not accepted?
I'm going to make some calls today to get a quote but i would really appreciate it if you can share some experience so I can save some time.

tnx

Seth Brundle

Has your dad been driving the car on a policy in your name or on his own policy (seems a bit pointless getting insured if not on his own)?
You would need to ask the insurer if they accept an NCB from xyz country as without knowing where xyz is, we are at a slight disadvantage!
As for the scooter, I doubt that this would hold much water with any of them.

Gurgle

Blackpitts wrote: »

I wonder if my no claim bonus from a different country would be accepted here.

I don't think so, worth a try though.

Blackpitts wrote: »

I've been living in Ireland for 5 years now and my dad has been driving my car at home until march this year, so I have 5+ year of no claim bonus that I can use.

rofl, seriously - you want a no claims bonus for 5 years you weren't even in the same country as your car?

I'm also the owner of a scooter here, so I have an insurance with Axa, do you know if I can use this no claim bonus for a car in case the previous one is not accepted?

Definitely not.

peasant

For the car insurance (if it was indeed in your name) get your insurer to issue you an english version of your no claims bonus document. They do that all the time, shouldn't be an issue. Some insurance companies here will accept it, others won't (AXA should)

As for the sooter ...that's a different insurance, so no claims bonuses won't transfer to car insurance. (In case you stop being insured on the scooter, your scooter NCB will also lapse after a while and you'll be starting from scratch again later on)

Blackpitts

peasant wrote: »

For the car insurance (if it was indeed in your name) get your insurer to issue you an english version of your no claims bonus document. They do that all the time, shouldn't be an issue. Some insurance companies here will accept it, others won't (AXA should)

Insurance was in my name, of course.
I have driven my car too (not only my dad) when I went home for holidays, work etc...

peasant wrote: »

As for the sooter ...that's a different insurance, so no claims bonuses won't transfer to car insurance. (In case you stop being insured on the scooter, your scooter NCB will also lapse after a while and you'll be starting from scratch again later on)

OK, at least I know I can't use it

Seth Brundle

Blackpitts wrote: »

Insurance was in my name, of course.
I have driven my car too (not only my dad) when I went home for holidays, work etc...

I find this very strange?
Would it not have made more sense for the dad to be insured and you named.
Anyhow!

Blackpitts wrote: »

OK, at least I know I can't use it

Don't write it off until you are told this by the insurance company.

Blackpitts

kbannon wrote: »

I find this very strange?
Would it not have made more sense for the dad to be insured and you named.
Anyhow!
Don't write it off until you are told this by the insurance company.

It makes sense, I own a car at home that needs to be used sometimes or the batteries, tyres etc would be fecked. My dad has hiw own car, but he has dirven also mine most of the time. I'm not sure why it is such a big deal, my question was more about a validity of NCB from a foreign country.
so let's see what the insurers will say now.

peasant

kbannon wrote: »

I find this very strange?
Would it not have made more sense for the dad to be insured and you named.
Anyhow!

Not every insurance system works like the Irish one.
Sometimes the car (and its owner) is insured on the policy, not just specifically the driver. There might not even be "named drivers" in those cases.

itarumaa

I know many finns that have used their no claims bonus from Finland and insurance companies have accepted it.

Also in Finland the car is insured, it does not matter who drives it if the person driving just has a valid licence. So there are no named drivers etc like in Ireland.