Short term insurance

makfli

My daughter is returning from Australia for a month over Christmas. She can avail of a car that she does not own and is currently uninsured for the period. Is it possible to insure the car short term ? She has a 5yr ncb but hasnt driven here for almost two years.

Grateful for any advice.

Henry Ford III

Have the owner insure it for 12 months, and include her as a named driver. Pay monthly.

Cancel and return cert/disc whenever you wish. Insurers won't be interested in a 1 month policy.

p.s. Ensure car is taxed and has a valid NCT also.

CoDy1

If you cancel in the first year of insurance you could be charged up to 30% of the premium anyway, regardless of DD payments so bear that in mind.

Best option would be to add her to an existing policy for the time tht she is over. There are no insurers in ireland who offer anything less than 12 month policies.

spooky donkey

Its terrible that in this counrty where we do everything right[/endSacarsm] that you can not do such a thing. I mean why not you can do it just about every where else.

djimi

spooky donkey wrote: »

Its terrible that in this counrty where we do everything right[/endSacarsm] that you can not do such a thing. I mean why not you can do it just about every where else.

I presume that insurers dont see it as being worth the risk. The risk for them in terms of potential financial payout is the same whether you are on a one month or one year policy, and seeing as how they think all Irish drivers are murderous maniacs to begin with they obviously dont see it as being worth the risk.

boxty

Had a similar issue recently and found a solution that may also suit you.

I bought a new car and my other half wished to keep my old one insured as she had her test coming up and was used off it. My existing insurer wouldn't let me insure a temporary additional vehicle.

So I insured old car in her name (even though I was registered owner - completely Legit as Quinn direct permit this).The website stated that premium could be refunded less the pro rata cost of cover and a €50 admin fee if cancelled within 14 days and i phoned to confirm this was the case. If you were to cancel after 14 days, they have a sliding scale for calculating the refund due so may not be viable, but in my case as I only needed cover for 12 days, it worked a treat. Premium due was refnded promptly. The other plus is that they offer instant cover, so you could start it Christmas morning if you liked.

Hope this helps.

coylemj

Henry Ford III wrote: »

Have the owner insure it for 12 months, and include her as a named driver. Pay monthly.

Cancel and return cert/disc whenever you wish. Insurers won't be interested in a 1 month policy.

That is not necessarily a good solution. If an insurer offers a 'pay monthly' scheme it is usually based on them (or a finance house) lending you the money to pay the premium for 12 months so even if you throw back the disc and cert., you still owe the loan that was taken out to pay the premium and the bank or finance house won't care if you've handed pack the cert and disc.

I know that Quinn publishes a table for early cancellation which outlines how much (in % terms) of the premium you will get back if you cancel the policy before it expires based on how many months are remaining, not sure if the other insurers do this.

oldyouth

Insurers don't like doing short term insurance for practical reasons. If a driver is coming from overseas (even if they were reared in Ireland) they may not be familiar with Irish road layouts, systems, conditions etc. Even if they are, if they are involved in an accident, it can be difficult to interview them or investigate the circumstances if they have gone back overseas, leaving little defence even if the driver is in the right

makfli

Many thanks to all for the useful tips. I need at least a month but having rung around it looks as if this is not available. I will have to take out an annual and then refund when cancelled. Probably will work out as a six month contract plus admin charge.
Thanks again for all the interest.
makfli

Wildly Boaring

I have Open Drive on my policy. I also have driving of other cars, once I don't own them.

Technically I could put the other car in someone else's name (say a good mate's), then I could drive this car and anyone over 24 could be driving my car.

Dunno if I'd do it for a whole month though

Zubeneschamali

scanlone wrote: »

I have Open Drive on my policy.

Check the small print before trying this one: some policies require that the other car you drive is legally covered by some other policy. This is to avoid the dodge where I buy my 18 year old an Evo, leave it uninsured, and drive it 3rd party under my own "drive any car" policy.

Note also that the "other car", if not insured by someone, won't be legal on the road: no insurance disc.

Wildly Boaring

Does not have to be insured according to my small print.

Have to agree with you on the disc, I did say "technically"

edit: I'm also pretty sure that I can't use my driving of other cars to drive a close relative's car. But Open Drive on my car covers all

Henry Ford III

coylemj wrote: »

That is not necessarily a good solution. If an insurer offers a 'pay monthly' scheme it is usually based on them (or a finance house) lending you the money to pay the premium for 12 months so even if you throw back the disc and cert., you still owe the loan that was taken out to pay the premium and the bank or finance house won't care if you've handed pack the cert and disc.

It is if you don't apply for a loan, which I specifically didn't mention.

As always shop around.