open driving

3G

Can a open insured driver, drive a uninsured car dats expired a week or two ago?????????

keithclancy

3G wrote: »

Can a open insured driver, drive a uninsured car dats expired a week or two ago?????????

No

jimmycrackcorm

It depends on the conditions of insurance. Some state that the car being driven must be insured regardless.

BronsonTB

More than likely NO...but check the fine print of the policy for clarification.....or better still ring the Insurance company to confirm the open diver is covered on uninsured cars

neilthefunkeone

Dont think the amount of time the car has been uninsured comes into play..

It all depends on your own policy.. There was a thread recently involving a quinn policy.. some said yes the car has to have an insured driver others disagreed.. So i think its prob down the the individual company/policy..

bladespin

Depends on the policy, an 'open' or merchant policy would cover you on any car, a policy that covery you 3rd party in cars that aren't owned by you won't unless the car itself is insured.

3G

how many days do u ave 2 renew ur insurance policy afta its expired does it ave 2 b upta date, if ur caught

bladespin

3G wrote: »

how many days do u ave 2 renew ur insurance policy afta its expired does it ave 2 b upta date, if ur caught

None

Firstly, please use your whole keyboard!!

Secondly, it entirely depends on your policy, you may have third party on an uninsured vehicle but you can only be sure by checking your own policy.

bladespin

bladespin wrote: »

a policy that covery you 3rd party in cars that aren't owned by you won't unless the car itself is insured.

This is not true. The topic has come up a number of times here with the result being that most policys do not require the other car be insured. The only way to know is ring your own insurance company and ask them.

-Chris-

3G wrote: »

how many days do u ave 2 renew ur insurance policy afta its expired does it ave 2 b upta date, if ur caught

Please don't use txt spk. Read the Charter for more info.

Thanks

3G

Thanks nox, you seem to know what ur talking about. how leneant would a guard be if the policy had just expired????????

The Muppet

3G wrote: »

Can a open insured driver, drive a uninsured car dats expired a week or two ago?????????

It depends on the insurance company, best ring them and ask.

-Chris-

3G wrote: »

how leneant would a guard be if the policy had just expired????????

Not at all.

If you're not insured, they'll f*ck you from a height.

It's about how lenient the insurance company is rather than the Garda tbh.

PeakOutput

3G wrote: »

Thanks nox, you seem to know what ur talking about. how leneant would a guard be if the policy had just expired????????

how lenient would the insurance company be if you got into a crash and wrote off another car and injured the passengers? do you think they would cover you because sure you were only a day out of date or do you think they would laugh hard as they hung up the phone?

the answer to that question will tell you how leniant the gardai will be

Zubeneschamali

I've been using my own insurance onto a garage loaner lately, and I rang to extend it for another couple of days: the girl was very specific: the transfer ran out 20 minutes before I rang. She could extend it for the future, but she could not backdate it to cover that 20 minutes.

That's how strict some of them are.

bladespin

Luis Careful Paper wrote: »

This is not true. The topic has come up a number of times here with the result being that most policys do not require the other car be insured. The only way to know is ring your own insurance company and ask them.

Thanks for setting me straight there but it certainly is true of any insurance company I've dealt with, that's AXA, Quinn, Travellers, RSA, Carole Nash, Adelaide, Allianz and Norwich Union the others may be different though

keithclancy

The Irish system is absolutely stupid.

I Insure my Dutch car, anyone with an EU Driving license can drive it.

Cop checks license plate, its either insured or it isn't.

None of the fannying around with Insurance papers, tax disks and roadworthiness certs, plus dont to stick bits of paper on the Windscreen.

3G

3G wrote: »

Thanks nox, you seem to know what ur talking about. how leneant would a guard be if the policy had just expired????????

Which insurance is expired, the open drive policy, or the policy on the car which you wish to drive?

mathepac

OP, sorry if I'm raining on your parade, but you seem to be confusing two different motor insurance policy extensions :

• Open driving :
  • This provides 3rd-party cover for other drivers between certain age limits, usually 25 to 70, with a full-licence to drive your car once you give them your prior permission. This is normally an expensive add-in to a normal policy, but may be standard on certain older, long-standing policies
• Driving other cars :
  • This provides you with 3rd-party cover to drive any car that is not owned by you, rented to you or that has your driving covered under another policy. This is often supplied free with comprehensive insurance policies.

As usual, check your policy conditions and the status of any drivers you allow in your car or other cars you drive before the event. Do not rely on the word of an anonymous help-desk operator in Minimum-wage Land to confirm your cover on your policy. IME most of them actually know very little about the time of day let alone insurance cover (If anyone thinks this is an unfair comment I can give specific, detailed examples naming brokers, insurance companies and staff members).

Brokers / insurance companies allow zero tolerance with regard to insurance renewal; if cover is not renewed / paid for on or before the renewal date, you will have no cover (any renewal notices I've received in the last few years specify this).

3G

Alright but can i find out if someone with open driving and there own policy can drive a car (where the policy as run out on the car) not the person with the open policy.

-Chris-

YES, BY RINGING YOUR INSURANCE COMPANY!!! :eek:

Marcus.Aurelius

3G wrote: »

Alright but can i find out if someone with open driving and there own policy can drive a car (where the policy as run out on the car) not the person with the open policy.

The person who is insured to drive other vehicles (provided they have the permission of the owner) has to ask their insurance company if they are required to only drive other vehicles provided the vehicle carries it's own policy in addition to the driver's.

Short: Get the driver to call his own company to verify.

EDIT: I'm with Axa, and it covers me to drive any other car, regardless of whether there's a policy on that vehicle.

3G

alryt thanks lads, its sounds about ryt

Anan1

keithclancy wrote: »

The Irish system is absolutely stupid.

I Insure my Dutch car, anyone with an EU Driving license can drive it.

Cop checks license plate, its either insured or it isn't.

None of the fannying around with Insurance papers, tax disks and roadworthiness certs, plus dont to stick bits of paper on the Windscreen.

Do you think my insurance would be a.) cheaper, or b.) more expensive if any 17 year old guy with a license was covered to drive my car?;)

bladespin

Anan1 wrote: »

Do you think my insurance would be a.) cheaper, or b.) more expensive if any 17 year old guy with a license was covered to drive my car?;)

Probably be a lot cheaper all round, bit like the risk equalisation they seemed to think was a great idea applied to health insurance.

Anan1

bladespin wrote: »

Probably be a lot cheaper all round, bit like the risk equalisation they seemed to think was a great idea applied to health insurance.

It'd be more expensive for me. Risk equalisation is good for the high risk people because the low risk category (ie me) pay more. Thanks, but no thanks.:)