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Unusual Insurance Question

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  • 18-02-2010 4:57pm
    #1
    RATM
    Closed Accounts Posts: 3,591 ✭✭✭


    Hey all,
    I have a friend from Holland who is nearing retirement and is looking to buy a holiday home in Clare/North Kerry. The plan is to spend approx. 3-4 months of the year in Ireland and the rest in Holland.

    Now he wants to buy a car to have here all year around, nothing flash, just a car for A to B runs. So does anyone know how this works out with insurance?
    My questions are:
    1) Does he have to pay more for insurance than an Irish person?

    2) Is it possible to get just a 3 month policy or will he be charged for the entire year?

    3) I presume he needs an Irish address to get an insurance premium but are there any issues with not being resident in Ireland for the full year?

    4) Finally, is there a possibility that he can get insurance from a Dutch broker to cover him in Ireland (Im not talking about 2 week holiday policy, more so about the EU project, open borders for trade, and how once local tax is paid customers are free to use services from other EU countries)


    Any help from those in the know or who have been in a similar situation is very much appreciated :)


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    #2
    galwaytt
    Registered Users Posts: 12,766 ✭✭✭✭galwaytt


    1) No, no loading for not being Irish.....
    2) Sorry, 12mths only........
    3) No, nothing to do with anything, that.....
    4) Not if he's driving an Irish reg car: if it's Irish reg, it'll need NCT, tax and the insurance needs to be issued in accordance with RTA (Road Traffic Act) 19xx....(can't remember the year....). So sorry, that EU love-in you refer to is pure fiction - doesn't apply in Ireland.

    Feel free to bitch about it, though, we have, for years.........:p

    ....to which I'd say: drive your Dutch reg car here, and bring it over with him when he travels. Cheaper, easier, in the long run.

    Ode To The Motorist

    “And my existence, while grotesque and incomprehensible to you, generates funds to the exchequer. You don't want to acknowledge that as truth because, deep down in places you don't talk about at the Green Party, you want me on that road, you need me on that road. We use words like freedom, enjoyment, sport and community. We use these words as the backbone of a life spent instilling those values in our families and loved ones. You use them as a punch line. I have neither the time nor the inclination to explain myself to a man who rises and sleeps under the tax revenue and the very freedom to spend it that I provide, and then questions the manner in which I provide it. I would rather you just said "thank you" and went on your way. Otherwise I suggest you pick up a bus pass and get the ********* ********* off the road” 



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    #3
    Atlantic Dawn
    Registered Users Posts: 81,988 ✭✭✭✭Atlantic Dawn
    M


    2)12mths only but if you cancel after 3 months you will be refunded a portion of it, around 65% or so of the annual premium.


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    #4
    RATM
    Closed Accounts Posts: 3,591 ✭✭✭RATM


    Just a bump on this as the problem still persists. Ive rang FBD and Axa insurance- both tell me that in order for a Dutch person to get insurance in Ireland they need to be "permanent residents" here. They will have ESB bills when they move into their house in Limerick later this year but they will only be resident for 2-3 months of the year so FBD and Axa are saying they can't insure them.

    Its bizarre- why does it matter where you are resident at all? Surely once you pay your insurance premium the company shouldn't really care where you live for most of the year, no?

    Anyway if anyone knows of an insurance company that can insure non-residents please let me know as Im finding it very difficult to find one.


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    #5
    Max Power1
    Closed Accounts Posts: 10,272 ✭✭✭✭Max Power1


    If the person looking to get insurance is only here 3 months and in holland 9, why not look at getting a dutch insurance policy with extended EU cover? Might work out cheaper/more feasible


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    #6
    keithclancy
    Registered Users Posts: 9,209 ✭✭✭keithclancy


    RATM wrote: »
    Just a bump on this as the problem still persists. Ive rang FBD and Axa insurance- both tell me that in order for a Dutch person to get insurance in Ireland they need to be "permanent residents" here. They will have ESB bills when they move into their house in Limerick later this year but they will only be resident for 2-3 months of the year so FBD and Axa are saying they can't insure them.

    Its bizarre- why does it matter where you are resident at all? Surely once you pay your insurance premium the company shouldn't really care where you live for most of the year, no?

    Anyway if anyone knows of an insurance company that can insure non-residents please let me know as Im finding it very difficult to find one.

    They won't be resident in Ireland at all.

    Just buy a Dutch car, Park it at the holiday home and fly over every so often to drive it. As long as you pay your Motorrijtuigenbelasting (Road Tax) and Verzekering (Insurance) its perfectly fine.

    Common with Germans who have Holiday homes in Holland, they don't have to register the car locally because they are not residents and do not have to pay BPM (VRT).

    PS, The Dutch insurance will be much cheaper with very low mileage, you may have difficulty with the Irish insurers accepting your No Claims Bonus.


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    #7
    MidlandsM
    Banned (with Prison Access) Posts: 5,737 ✭✭✭MidlandsM


    only over 5 months late.....


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    #8
    BoardsMember
    Registered Users Posts: 4,466 ✭✭✭BoardsMember


    I have a similar situation. I am a named driver on a dutch registered and insured car that is in this country. It is owned by dutch people and is for use by them only when they are on holidays here, a few weeks a year. The last time they came over they got the ferry with the car and left it here. I was surprised to read the post above suggesting that as long as the tax & insurance in holland are paid then it should be ok to drive it here. I thought that if you bring a car into the country and leave without it you are deemed to have imported it.

    Another twist on this, if the above post is in fact correct, can I drive the car if I am named driver on the insurance policy. Or if I have open drive on my own insurance, would that cover me to drive the car, both from an insurance and a legal perspective?


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    #9
    Max Power1
    Closed Accounts Posts: 10,272 ✭✭✭✭Max Power1


    MidlandsM wrote: »
    only over 5 months late.....
    it was bumped by the OP this morning looking for further info.

    This isnt AH, at least read the thread before posting inane rubbish


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    #10
    bonzodog2
    Registered Users Posts: 6,213 ✭✭✭bonzodog2


    BoardsMember wrote: »
    I have a similar situation. I am a named driver on a dutch registered and insured car that is in this country. It is owned by dutch people and is for use by them only when they are on holidays here, a few weeks a year. The last time they came over they got the ferry with the car and left it here. I was surprised to read the post above suggesting that as long as the tax & insurance in holland are paid then it should be ok to drive it here. I thought that if you bring a car into the country and leave without it you are deemed to have imported it.

    Another twist on this, if the above post is in fact correct, can I drive the car if I am named driver on the insurance policy. Or if I have open drive on my own insurance, would that cover me to drive the car, both from an insurance and a legal perspective?

    I remember a thread here some while ago that stated that an RoI resident is not permitted to drive a vehicle from another state. I don't know if this is enforced at all, or how it would affect the validity of being a named driver


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    #11
    keithclancy
    Registered Users Posts: 9,209 ✭✭✭keithclancy


    BoardsMember wrote: »
    I have a similar situation. I am a named driver on a dutch registered and insured car that is in this country. It is owned by dutch people and is for use by them only when they are on holidays here, a few weeks a year. The last time they came over they got the ferry with the car and left it here. I was surprised to read the post above suggesting that as long as the tax & insurance in holland are paid then it should be ok to drive it here. I thought that if you bring a car into the country and leave without it you are deemed to have imported it.

    Another twist on this, if the above post is in fact correct, can I drive the car if I am named driver on the insurance policy. Or if I have open drive on my own insurance, would that cover me to drive the car, both from an insurance and a legal perspective?

    There is no such thing as a Named driver on Dutch insurance, the car is insured not the Individual, any Dutch Resident with an EU License can drive the car without having to inform your insurance.

    As an Irish resident you are not allowed to drive any non Irish registered car, whether it be Leased,Rented or Borrowed (Under Irish rules)

    Exact same rules for the Dutchies as the Irish. In Holland anyway you can apply for a temporary exemption of up to 2 weeks driving a foreign car, per year.

    You ONLY have to register a car in any EU state if you are resident there. Cars registration on personal ownership is always based on residency.

    I.E. I have a car on Dutch plates but work in Germany, I can leave my car parked in Germany for 6 month, 2 years ... whatever ... doesn't matter, would never have to put it on German plates until I am resident there, residency is 183 days in the Year.


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    #12
    The athlete
    Closed Accounts Posts: 4 ✭The athlete


    No the insurance thieves in this country make you pay for the 12 months, but if he's retirement age then it should be cheap enough for him.


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    #13
    BoardsMember
    Registered Users Posts: 4,466 ✭✭✭BoardsMember


    keithclancy wrote: »
    There is no such thing as a Named driver on Dutch insurance, the car is insured not the Individual, any Dutch Resident with an EU License can drive the car without having to inform your insurance.

    As an Irish resident you are not allowed to drive any non Irish registered car, whether it be Leased,Rented or Borrowed (Under Irish rules)

    Exact same rules for the Dutchies as the Irish. In Holland anyway you can apply for a temporary exemption of up to 2 weeks driving a foreign car, per year.

    You ONLY have to register a car in any EU state if you are resident there. Cars registration on personal ownership is always based on residency.

    I.E. I have a car on Dutch plates but work in Germany, I can leave my car parked in Germany for 6 month, 2 years ... whatever ... doesn't matter, would never have to put it on German plates until I am resident there, residency is 183 days in the Year.
    Thanks for that. I spent years driving their last Dutch car here, student days when the law and stuff like that weren't as big a priority!!


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    #14
    MidlandsM
    Banned (with Prison Access) Posts: 5,737 ✭✭✭MidlandsM


    Max Power1 wrote: »
    it was bumped by the OP this morning looking for further info.

    This isnt AH, at least read the thread before posting inane rubbish

    you'd make a great Mod, or maybe not.;)


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    #15
    Max Power1
    Closed Accounts Posts: 10,272 ✭✭✭✭Max Power1


    MidlandsM wrote: »
    you'd make a great Mod, or maybe not.;)
    no no

    its all quick retorts and personal abuse from me!

    (also, theyd never make anyone mod, who got banned for a year from AH for posting old gay man porn links)


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    #16
    TOMP
    Closed Accounts Posts: 328 ✭✭TOMP


    In Ireland you can normally cancel your car insurance and get a refund if the car is off the road, etc, same with motor tax


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    #17
    RATM
    Closed Accounts Posts: 3,591 ✭✭✭RATM


    TOMP wrote: »
    In Ireland you can normally cancel your car insurance and get a refund if the car is off the road, etc, same with motor tax

    Yeah they said that they give 60% back if you cancel after 3 months. Funny that as 3 months is 25% of the year, not 40%. The other 15% will be explained off as a administrative charge, if there hasn't been one applied already.

    Anyway just an update- I rang Quinn and they said that they will insure non-residents with no problems. Its a bit of a bummer having to pay 12 months insurance when its only on the road for less than three but heh, insurance companies here play by their own rules. They are the rules.


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    #18
    Del2005
    Registered Users Posts: 18,963 ✭✭✭✭Del2005


    RATM wrote: »
    Yeah they said that they give 60% back if you cancel after 3 months. Funny that as 3 months is 25% of the year, not 40%. The other 15% will be explained off as a administrative charge, if there hasn't been one applied already.

    Anyway just an update- I rang Quinn and they said that they will insure non-residents with no problems. Its a bit of a bummer having to pay 12 months insurance when its only on the road for less than three but heh, insurance companies here play by their own rules. They are the rules.

    Are they insuring it third party only? If not then it will be insured for fire and theft for the remainder of the year.

    There was a thread recently where someone posted that if you go with instalment payment with Quinn you can cancel any time you want for €50.


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    #19
    keithclancy
    Registered Users Posts: 9,209 ✭✭✭keithclancy


    RATM wrote: »
    Yeah they said that they give 60% back if you cancel after 3 months. Funny that as 3 months is 25% of the year, not 40%. The other 15% will be explained off as a administrative charge, if there hasn't been one applied already.

    Anyway just an update- I rang Quinn and they said that they will insure non-residents with no problems. Its a bit of a bummer having to pay 12 months insurance when its only on the road for less than three but heh, insurance companies here play by their own rules. They are the rules.

    Quinn are f*cking useless.
    I had them in Ireland, they were grand as long as you never needed to call them.

    Rang them well over 10 times and they kept saying my Green Card was in the post. Shower of knobs who will tell you anything just to sell you something or get you off the phone :)


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    #20
    Del2005
    Registered Users Posts: 18,963 ✭✭✭✭Del2005


    keithclancy wrote: »
    Quinn are f*cking useless.
    I had them in Ireland, they were grand as long as you never needed to call them.

    I doubt anyone will disagree with you.
    Rang them well over 10 times and they kept saying my Green Card was in the post. Shower of knobs who will tell you anything just to sell you something or get you off the phone :)

    The OP's looking for insurance for a car that's being kept in Ireland.
    I didn't think green cards where required any more within the EU.


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    #21
    CiniO
    Registered Users Posts: 16,072 ✭✭✭✭CiniO


    keithclancy wrote: »
    Quinn are f*cking useless.
    I had them in Ireland, they were grand as long as you never needed to call them.

    Rang them well over 10 times and they kept saying my Green Card was in the post. Shower of knobs who will tell you anything just to sell you something or get you off the phone :)

    Where were you going, that you needed a green card?


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    #22
    CiniO
    Registered Users Posts: 16,072 ✭✭✭✭CiniO


    RATM wrote: »
    Yeah they said that they give 60% back if you cancel after 3 months. Funny that as 3 months is 25% of the year, not 40%. The other 15% will be explained off as a administrative charge, if there hasn't been one applied already.

    Anyway just an update- I rang Quinn and they said that they will insure non-residents with no problems. Its a bit of a bummer having to pay 12 months insurance when its only on the road for less than three but heh, insurance companies here play by their own rules. They are the rules.

    All insurance companies have cancellation charges, when you cancel your policy during first year. If you cancel it after first renewal, then they refund for the whole unused period

    Anyway - canceling is not a good idea in this case. Go for policy suspension.
    You can always suspend a policy. That's what I did with hibernian few years ago when I was leaving Ireland for over 4 months. They gave me a choice of paying only 10% of premium for suspended period if my policy was totally suspended, or 25% of premium if I wanted to keep fire and theft.
    I went for the first one and thing it was worth it, instead of keeping your policy up all the time.


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    #23
    CiniO
    Registered Users Posts: 16,072 ✭✭✭✭CiniO


    TOMP wrote: »
    In Ireland you can normally cancel your car insurance and get a refund if the car is off the road, etc, same with motor tax

    Not same with motor tax.
    You can get refund of motortax if you car was scrapped, or if your car wasn't used at all since tax period commenced.
    But you can't buy tax for 12 months, drive for 1 month and apply for refund of 11 months - they won't pay a penny.


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    #24
    CiniO
    Registered Users Posts: 16,072 ✭✭✭✭CiniO


    RATM wrote: »
    Yeah they said that they give 60% back if you cancel after 3 months. Funny that as 3 months is 25% of the year, not 40%. The other 15% will be explained off as a administrative charge, if there hasn't been one applied already.

    Anyway just an update- I rang Quinn and they said that they will insure non-residents with no problems. Its a bit of a bummer having to pay 12 months insurance when its only on the road for less than three but heh, insurance companies here play by their own rules. They are the rules.

    Why don't they get Dutch registered car?
    Won't it be cheaper. They will also probably not have to pay a dutch roadtax, as car won't be used on dutch roads.
    And they can drive it in Ireland legally without registering it in Ireland, as they are not resident here.


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