INSURANCE TRANSFER ISSUE

THE PUG

HI GUYS ,
I HAVE A WEE CLASSIC , WHICH I REGISTERED IN MY DAUGHTERS NAME . WISHING TO TAKE IT OUT ON A FEW OCASIONS IN THE SUMMER , I HAVE A FEW QUESTIONS .
1 MY OWN INSURANCE COVERS ME TO DRIVE ANY OTHER CAR , FULLY COMP, ONCE ITS NOT ALREADY REGISTERED IN MY NAME . I ASKED MY INSURERS AND THEY SAY I WOULD BE FULLY COVERED ONCE MY OWN CAR WAS NOT BEING USED AT THE TIME BY A ALREADY NAMED DRIVER.
2 TO GET THE CAR TAXED YOU CRAZILY NEED AN INSURANCE CERT SO HOW AM I SUPPOSED TO GET IT TAXED . I PREVIOUSLY TAXED IT WHEN I INSISTED TO THE GUY IN THE TAX OFFICE THAT MY INSURANCE COVERED ME .
3 THE BIG QUESTION IS , IF I MEET PC PLOD WHAT WOULD HIS TAKE BE .
HE COULD DO YOU FOR NOT HAVING A DISC DISPLAYED AND IF I DISPLAY MY DISC THE REG WILL BE WRONG .
4 THE SYSTEM IS SO CRAZY , I ALSO NEED TO GET AN NCT , BUT HOW TECHNICALLY AM I SUPPOSED TO GET IT THERE.

WOULD APPRECIATE ANY EXPERIANCES OR VIEWS FROM MEMBERS OF THE FORCE , OFF THE RECORD .:(

pounder770

You're supposed to insure it,like the rest of us.......your DOC cover is only valid if the "other"car is road legal...i.e. tested,taxed and insured by the registered owner. Expecting one policy to allow you to run two vehicles legally is naive at best.

Speak to your insurers,get a classic/second car policy in your own name,and do it properly.

Apologies if i appear blunt,but I have first hand experience(no fault of my own) of the mayhem this type of messing leaves behind in the event of an accident/claim.

kasper

put it in your name and put classic insurance on it for a few hundred

mickdw

Yes the other car you plan to drive must have a valid policy in force for most of those driving other car policies to allow you to drive legally.
You have made a mistake in registering the classic to daughter. If you had put it in your own name, you could buy classic cover for buttons as long as you have an everyday car insured also. Daughter wont be able to do this unless she has another car.
Look into it but Im sure you should transfer it to yourself & take out a classic policy on it.

oldyouth

If it's your car, you should insure it. Then you won't have any of this hassle.

L-M

pounder770 wrote: »

.your DOC cover is only valid if the "other"car is road legal...i.e. tested,taxed and insured by the registered owner.

Actually, you're wrong there. With Quinn the car doesn't have to be insured by the registered owner. Quinns third party cover covers you only if the car is Taxed, Nct'd (Edit: I don't think it even says NCT'd, just road worthy) and road worthy. Which actually makes some bit of sense, because I'm sure the reason most insurance companies say that it has to be already insured is so that the car isn't something you just pulled out of a field and is actually used on a daily basis.

The problem that I found with Quinn though is they won't leave the Third party cover you on vintage cars (ie. cars of 30 years+) because they don't insure vintage. YET they also won't insure cars over 20 years old, but they will leave the third party cover cover these... I know the open didn't mention Quinn, but that's my best understanding of Quinns confusing third party cover :L

pounder770

Limerick man wrote: »

Actually, you're wrong there. With Quinn the car doesn't have to be insured by the registered owner. Quinns third party cover covers you only if the car is Taxed, Nct'd (Edit: I don't think it even says NCT'd, just road worthy) and road worthy. Which actually makes some bit of sense, because I'm sure the reason most insurance companies say that it has to be already insured is so that the car isn't something you just pulled out of a field and is actually used on a daily basis.

The problem that I found with Quinn though is they won't leave the Third party cover you on vintage cars (ie. cars of 30 years+) because they don't insure vintage. YET they also won't insure cars over 20 years old, but they will leave the third party cover cover these... I know the open didn't mention Quinn, but that's my best understanding of Quinns confusing third party cover :L

I wouldn't like to go to court on that one,although i take your point.....I believe a member of the Gardai might require a full compliment of discs,in date and carrying the vehicle details, to deem a car "roadworthy".

In any case,this clause is only ever meant as a get home clause,and not a substitute for a second policy.

L-M

pounder770 wrote: »

I wouldn't like to go to court on that one,although i take your point.....I believe a member of the Gardai might require a full compliment of discs,in date and carrying the vehicle details, to deem a car "roadworthy".

Well generally if the car is taxed and tested, you'll have two at least. You could put in your own disc and bring your insurance details in an envelope with you. You'd want to meet a very very fussy Garda to ask for any more.

mickdw

Limerick man wrote: »

Actually, you're wrong there. With Quinn the car doesn't have to be insured by the registered owner. Quinns third party cover covers you only if the car is Taxed, Nct'd (Edit: I don't think it even says NCT'd, just road worthy) and road worthy. Which actually makes some bit of sense, because I'm sure the reason most insurance companies say that it has to be already insured is so that the car isn't something you just pulled out of a field and is actually used on a daily basis.

The problem that I found with Quinn though is they won't leave the Third party cover you on vintage cars (ie. cars of 30 years+) because they don't insure vintage. YET they also won't insure cars over 20 years old, but they will leave the third party cover cover these... I know the open didn't mention Quinn, but that's my best understanding of Quinns confusing third party cover :L

I have heard that before about quinn but that is very much the exception in these cases.
Im surprised that this can be true though. What happens if this uninsured car causes damage in a public place, for example goes on fire or gets stolen or rolls away on a hill when the driver has just parked it? Under normal conditions, the policy in force on the car itself will cover it. With the quinn version, are they going to cover it just because the last person using it happened to be covered by them? I wouldnt fancy my chances there tbh. It leaves quinn open to all sorts of dodgy claims too imo.

pounder770

All true,however,the OP has none of the above.....;)

L-M

mickdw wrote: »

I have heard that before about quinn but that is very much the exception in these cases.
Im surprised that this can be true though. What happens if this uninsured car causes damage in a public place, for example goes on fire or gets stolen or rolls away on a hill when the driver has just parked it? Under normal conditions, the policy in force on the car itself will cover it. With the quinn version, are they going to cover it just because the last person using it happened to be covered by them? I wouldnt fancy my chances there tbh. It leaves quinn open to all sorts of dodgy claims too imo.

Well, I've a car parked out on the road uninsured, that I'm not using. If that catches fire and burns by neighbours car along with it, who pays for it?

pounder770

Limerick man wrote: »

Well, I've a car parked out on the road uninsured, that I'm not using. If that catches fire and burns by neighbours car along with it, who pays for it?

You do......out of your pocket i'm afraid....and if the neighbour can prove that your car was the cause of burning his,his insurance company may follow you for that too........

mickdw

Limerick man wrote: »

Well, I've a car parked out on the road uninsured, that I'm not using. If that catches fire and burns by neighbours car along with it, who pays for it?

Thats very foolish to be honest. If its starting, its even more foolish. If some scumbag comes along and creates havoc with it, you would be taken for everything you own. Stupid law but thats the way it is. and yes if it went on fire, you are totally responsible for all damage caused

L-M

mickdw wrote: »

Thats very foolish to be honest. If its starting, its even more foolish. If some scumbag comes along and creates havoc with it, you would be taken for everything you own. Stupid law but thats the way it is. and yes if it went on fire, you are totally responsible for all damage caused

OH no, LOL, I wouldn't do that. It was more of a rhetorical question in relation to what you were saying.

mickdw

Limerick man wrote: »

OH no, LOL, I wouldn't do that. It was more of a rhetorical question in relation to what you were saying.

Oh ok.

Midnight_EG

THE PUG wrote: »

HI GUYS ,
I HAVE A WEE CLASSIC , WHICH I REGISTERED IN MY DAUGHTERS NAME . WISHING TO TAKE IT OUT ON A FEW OCASIONS IN THE SUMMER , I HAVE A FEW QUESTIONS .
1 MY OWN INSURANCE COVERS ME TO DRIVE ANY OTHER CAR , FULLY COMP, ONCE ITS NOT ALREADY REGISTERED IN MY NAME . I ASKED MY INSURERS AND THEY SAY I WOULD BE FULLY COVERED ONCE MY OWN CAR WAS NOT BEING USED AT THE TIME BY A ALREADY NAMED DRIVER.
2 TO GET THE CAR TAXED YOU CRAZILY NEED AN INSURANCE CERT SO HOW AM I SUPPOSED TO GET IT TAXED . I PREVIOUSLY TAXED IT WHEN I INSISTED TO THE GUY IN THE TAX OFFICE THAT MY INSURANCE COVERED ME .
3 THE BIG QUESTION IS , IF I MEET PC PLOD WHAT WOULD HIS TAKE BE .
HE COULD DO YOU FOR NOT HAVING A DISC DISPLAYED AND IF I DISPLAY MY DISC THE REG WILL BE WRONG .
4 THE SYSTEM IS SO CRAZY , I ALSO NEED TO GET AN NCT , BUT HOW TECHNICALLY AM I SUPPOSED TO GET IT THERE.

WOULD APPRECIATE ANY EXPERIANCES OR VIEWS FROM MEMBERS OF THE FORCE , OFF THE RECORD .:(

Stop shouting, you woke the baby =[

THE PUG

Naivity is certainly not a trait of mine , having 30 years of comprehensive cover and no claims , and when checking with my insurance company they a satisfied to cover the car being used by me while in someone else 's name . Of course I understand to be road legal the car would also be taxed and NCTd . But i centainly read with interest the comments of Limerick man . Its simply the situation of not actually having a insurance disc for the specific car reg . A driver can only drive one car , and when not in use its securly stored in a garage .
The suggestion of classic insurance sounds interesting
Cheers for those with positive input !!!!

corktina

my insurance covers me to drive (third party) any car that doesnt belong to me and isnt hired.

Obviously if I borrow my neighbours car and Im not named on it, then his policy isnt valid whilst im driiving it and isnt relevant.

pounder770

THE PUG wrote: »

Naivity is certainly not a trait of mine , having 30 years of comprehensive cover and no claims , and when checking with my insurance company they a satisfied to cover the car being used by me while in someone else 's name . Of course I understand to be road legal the car would also be taxed and NCTd . But i centainly read with interest the comments of Limerick man . Its simply the situation of not actually having a insurance disc for the specific car reg . A driver can only drive one car , and when not in use its securly stored in a garage .
The suggestion of classic insurance sounds interesting
Cheers for those with positive input !!!!

One question,if I may????

Have you told the insurance company what you told us? i.e. that it's your car,registered to your daughter,but not insured,taxed or tested??

If you have,and they still say you are insured on anything more than an emergency basis,then I will retract my implication of naiveity.

Not having a disc is an offence,rectifiable by putting a policy on the car...

L-M

pounder770 wrote: »

Not having a disc is an offence,rectifiable by putting a policy on the car...

But if you drove someone elses car and they left their disc in the window with their policy number etc. isn't that as wrong as you having your own in their?

pounder770

Limerick man wrote: »

But if you drove someone elses car and they left their disc in the window with their policy number etc. isn't that as wrong as you having your own in their?

As long as the disc matches the car,no....that merely states that there is a policy on the car....that's why the gardai won't take a disc as sole evidence of an individual driver being covered.
The only time a disc can be carried without the correct reg. number is fleet/trade insurance,where the fleet user name replaced the reg.

Big Nasty

corktina wrote: »

if I borrow my neighbours car and Im not named on it, then his policy isnt valid whilst im driiving it

By that logic if I am driving my neighbours car and he's driving mine at the same time, whoever was first off is covered and second isn't?

oldyouth

MCMLXXV wrote: »

By that logic if I am driving my neighbours car and he's driving mine at the same time, whoever was first off is covered and second isn't?

Nope, you are both legally insured. Each driver is driving a vehicle not owned by him and cover is in place for TP under the driving of other cars extension (providing both have it)

Big Nasty

oldyouth wrote: »

Nope, you are both legally insured. Each driver is driving a vehicle not owned by him and cover is in place for TP under the driving of other cars extension (providing both have it)

Coolio!

Wasn't beeing an ass - just asking!