moving insurance

cena

i need too move my insurance over too my mothers car for a day as i'v too drive it too dublin airport and leave it there till we come back on sat as its a bigger car than mine.

i'v e-mailed quinn about this and there no problem about this until i ring them today asking too get it moved over for a day when i'm told that my car needs too be in the garage or off the road. my nct is out of date when we come back so i don't want too get caught driving it with no nct.

what can i do?

djimi

Whats the moving of the insurance got to do with the NCT? The NCT would run out regardless of whether the car is insured or not.

Have you got the NCT test booked?

Why not just use the driving other cars extension on your own insurance?

cena

its on a list. they couldn't find a date for me and said they would send out a letter when a date becomes free

cena

Danica Melted Confetti wrote: »

Why not just use the driving other cars extension on your own insurance?

thats what they said. i'v got that car extension. what is it?

djimi

Danica Melted Confetti wrote: »

Why not just use the driving other cars extension on your own insurance?

I wouldnt leave a car in the airport when its effectively not covered by insurance in case something were to happen to it (driving of other cars covers third party only; as far as I know it doesnt include fire and theft).

cena

would my mothers insurances not go back on the car after the 24 hrs are up.

djimi

Probably. Say for example the car was to get nicked while youre away, youre leaving the insurance company an awfully big opportunity to say that it was taken while under third party only cover.

Why not just switch your insurance onto the car for the day or whatever it is? Unless your own car is quite a bit smaller than your mothers car I cant imagine it will cost you much, if anything.

cena

i was told in the e-mail that it would free too move my insurances for the day
on her car till i ring them today telling them when i needed it but can't as my car is not in the garage or off the road

djimi

cena wrote: »

i was told in the e-mail that it would free too move my insurances for the day
on her car till i ring them today telling them when i needed it but can't as my car is not in the garage or off the road

Ah sorry, gotcha. Seems like a strange stipulation, Ive never heard of a company quibble like that about transferring insurance for a day, but then again it is Quinn so anythings possible.

Another option would be to see if your mother could put you down as a named driver on her policy for the time you need the car.

MetzgerMeister

If your mother is still insured on the car, you can use your driving other cars extension. If she's not and if there's no insurance on her car at all then you have to swap your own insurance onto it.

cena

djimi wrote: »

Ah sorry, gotcha. Seems like a strange stipulation, Ive never heard of a company quibble like that about transferring insurance for a day, but then again it is Quinn so anythings possible.

Another option would be to see if your mother could put you down as a named driver on her policy for the time you need the car.

they said i would have too go down as a name driver but it would extra and it would cost extra. and my mother is out of the country

should i ring them again.

i'v been too my local garage and he said too ring them again and that the my car is in the garage while i'm gone, and if they want too ring him let

cena

einheisserschre wrote: »

If your mother is still insured on the car, you can use your driving other cars extension. If she's not and if there's no insurance on her car at all then you have to swap your own insurance onto it.

ya she is still insuraned on her car. how would i use the car extension and what is it

MetzgerMeister

cena wrote: »

ya she is still insuraned on her car. how would i use the car extension and what is it

All you have to do is get in and drive the car. You will have Third Party, Fire & Theft cover only.

It's only included in some comprehensive insurance. If you have TPF&T on your own car, you won't have the extension.

You have no forms to fill out or anything like that to do.

Just make sure it's included in your original policy.

cena

i'v got full comp on my own car. were would i find out if this is on my policy.

is it on the book lets you get when you renew the policy

djimi

If youre going with the third party extension then check that its third party fire and theft; from what I can recall of some of my policies there wasnt fire and theft on it, meaning if the car goes AWOL or gets damaged in the airport its not covered.

djimi

cena wrote: »

i'v got full comp on my own car. were would i find out if this is on my policy.

is it on the book lets you get when you renew the policy

Should be. Quicker way is to ring them.

djimi

djimi wrote: »

Probably. Say for example the car was to get nicked while youre away, youre leaving the insurance company an awfully big opportunity to say that it was taken while under third party only cover.

Why not just switch your insurance onto the car for the day or whatever it is? Unless your own car is quite a bit smaller than your mothers car I cant imagine it will cost you much, if anything.

His mothers insurance is still active on the car, if is stolen or burned her insurance would cover it.

einheisserschre wrote: »

All you have to do is get in and drive the car. You will have Third Party, Fire & Theft cover only.

It's only included in some comprehensive insurance. If you have TPF&T on your own car, you won't have the extension.

You have no forms to fill out or anything like that to do.

Just make sure it's included in your original policy.

I always had the extension when I had TPF&T cover on my own car.

MetzgerMeister

Danica Melted Confetti wrote: »

I always had the extension when I had TPF&T cover on my own car.

I see! I've only had TPF&T on my first car, after that I had comprehensive. I didn't know that was included in TPF&T...

cena

can't find anything on them book lets.

djimi

Danica Melted Confetti wrote: »

His mothers insurance is still active on the car, if is stolen or burned her insurance would cover it.

You sure about that? I thought a car could only have one active insurance policy on it at a time?

djimi

djimi wrote: »

You sure about that? I thought a car could only have one active insurance policy on it at a time?

It does have only one active policy, his mothers. Afaik his policy is not transferred over its just covering him to drive the car, there is nothing in writing or in reality nothing to prove he actually drove the car and parked it there. when its parked its no different to when his mother parked it. Otherwise it couldnt work, in the event of a theft it would be impossible to say who's insurance was covering it, i.e when would she re-take responsibility for the car etc.

djimi

Danica Melted Confetti wrote: »

It does have only one active policy, his mothers. Afaik his policy is not transferred over its just covering him to drive the car, there is nothing in writing or in reality nothing to prove he actually drove the car and parked it there. when its parked its no different to when his mother parked it. Otherwise it couldnt work, in the event of a theft it would be impossible to say who's insurance was covering it, i.e when would she re-take responsibility for the car etc.

Sorry, I got confused between using third party and transferring the policy from one car to another! Youre right, the mothers insurance would cover the fire/theft element of it.

JBoyle4eva

Hey, writing as cena's brother here: Just found a shedule of his insurance policy. It says that it's possible to drive another person's car, as long as permission of the other car's owner is given and that he has a full EU licence.

So, I think it's actually fine for him to drive it. As long as our mother lets him drive it (which she has already said is fine) then there's no problem.

djimi

djimi wrote: »

Sorry, I got confused between using third party and transferring the policy from one car to another! Youre right, the mothers insurance would cover the fire/theft element of it.

I think the most person who would be displeased if it were stolen would be his mother . She would have to claim on her insurance and she was not even the one using the car.

Vertakill

The 'driving other cars' thing usually only applies to people that are 25 and over in a lot of insurance companies (not sure about Quinn), just in case cena is younger than that.

djimi

Vertakill wrote: »

The 'driving other cars' thing usually only applies to people that are 25 and over in a lot of insurance companies (not sure about Quinn), just in case cena is younger than that.

Not necessarily. Im driving nearly 10 years (Im 27) and pretty much any fully comp policy Ive had since I got my full license has allowed me to drive other cars.

Vertakill

djimi wrote: »

Not necessarily. Im driving nearly 10 years (Im 27) and pretty much any fully comp policy Ive had since I got my full license has allowed me to drive other cars.

Really? The majority of companies I've dealt with have told me 25+.

I'm talking about TPFT cover on another person's car that's already insured.

Not the Third Party cover you get for having 'Third Party Extension' for driving any currently uninsured, taxed/nct'd car that's not registered in your name.

I've a friend who's under 25yo and with Quinn who has 'Open Drive' or whatever the equivalent is, and was convinced it allowed him drive anyones car but it actually doesn't.

Only covers another person to drive HIS car.

djimi

Open Drive means that anyone is covered to drive your car; effectively anyone with a license is a named driver. That much harder to obtain.

I might have changed since but Ive always had third party cover on my policy since I first went fully comp on my own policy aged 20. They might be tightening up on that nowadays tho!

Vertakill

djimi wrote: »

Open Drive means that anyone is covered to drive your car; effectively anyone with a license is a named driver. That much harder to obtain.

No that's the easiest thing to obtain I think, especially from Quinn.
With Quinn, you can be of any age to have Open Drive on your policy and it enables anyone with a full license to drive your car... however other companies stipulate the other person must be 25+ and full license to drive your car.

But 'Driving Other Cars' is usually only enabled for drivers that are over 25 and have a full license.

And 'Third Party Extension' used to be Third Party cover only for any uninsured car that has tax/nct and isn't registered to you up to 2000cc.
But I think Quinn may have clamped down on that due to abuse (?).

djimi wrote: »

I might have changed since but Ive always had third party cover on my policy since I first went fully comp on my own policy aged 20. They might be tightening up on that nowadays tho!

Maybe you just dealt with better insurance companies than me.

I've only ever been insured by Quinn and 123 (Travelers) and they were both quite strict about the 'Driving Other Cars' and being over 25.

cena

I am 25yrs old

Richie15

djimi wrote: »

(driving of other cars covers third party only; as far as I know it doesnt include fire and theft).

Fire and theft cover only applies while the car is parked, at which point it's the main policy on the car that takes over. If you're driving someone else's car (lets call him Jim), assuming Jim owns the car and has it insured fully-comp with him as the main driver, the car itself is covered under Jim's policy while not being driven (or while Jim's driving, obviously).

That's why someone else's policy only covers third-party damage.

cena

this is what is said in the book let i got

section 2

Driving other cars
If your certificate of insurance says so, we will also cover
you, the policyholder, for your liability to other people while
you are driving any other private motor car which you do
not own or have not hired or leased, as long as:
1 the vehicle is not owned by your employer or hired to them
under a hire-purchase or lease agreement;
2 you currently hold a full European Union (EU) licence;
3 the use of the vehicle is covered in the certificate of
insurance;
4 cover is not provided by any other insurance;
5 you have the owner’s permission to drive the vehicle;
6 the vehicle is in a roadworthy condition; and
7 you still have your vehicle and it has not been damaged
beyond cost-effective repair.

Vertakill

cena wrote: »

this is what is said in the book let i got

section 2

Driving other cars
If your certificate of insurance says so, we will also cover
you, the policyholder, for your liability to other people while
you are driving any other private motor car which you do
not own or have not hired or leased, as long as:
1 the vehicle is not owned by your employer or hired to them
under a hire-purchase or lease agreement;
2 you currently hold a full European Union (EU) licence;
3 the use of the vehicle is covered in the certificate of
insurance;
4 cover is not provided by any other insurance;
5 you have the owner’s permission to drive the vehicle;
6 the vehicle is in a roadworthy condition; and
7 you still have your vehicle and it has not been damaged
beyond cost-effective repair.

Cover is currently provided though, by your mothers insurance company - which means, based on the list you've provided, you wouldn't be insured on it.


That list you've just shown just reads exactly how Third Party Extension works.

I'm surprised they've named that 'Driving Other Cars'.

cena

she is also with quinn direct. as they were the cheapest for her this year

Richie15

Vertakill wrote: »

That list you've just shown just reads exactly how Third Party Extension works.

I'm surprised they've named that 'Driving Other Cars'.

I think they try keep the booklet as "plain-English" as possible, and leave the "legalese" for the policy.

Vertakill

Vertakill wrote: »

The 'driving other cars' thing usually only applies to people that are 25 and over in a lot of insurance companies (not sure about Quinn), just in case cena is younger than that.

It varies from insurer to insurer. When I was with quinn once you had a full license you were covered to drive other cars. I was 20 with tpft and had it. Hibernian also don't have an age limit of 25, my sister is 21 and has driving other cars, she had it last year too when she was 20.

As far as I know Axa do say you must be 25 and I dont know about other insurers.

cena

got it all sorted. i'm covered too drive other cars. rang them today as i thought i had too pay them when i seen the leter i got this morning