Insurance

Paudie_Gtst · 21-01-2011 3:05pm #1

Hi,
I have recently bought an R32 Nissan Skyline, I am 21 and I am not a boy racer nor do I speed, I always obey the rules of the road, I am not driving the car it is parked at my garage and has 6 months tax and 2 years NCT, I have 3 years no claims bonus and I have 0 penalty points.

I have phoned Quinn direct they have told me that I can insure another car and drive this car as long as it has Valid tax and NCT and that car does not need to be insured by another party, the car must not be in my name and can only be driven with the owners consent. they also told me there is no restrictions on the car (Market price, High Litre, how many miles it can be driven per week) to be covered, Is there any holes in this method That I am missing?

Please let me know

I am currently NOT driving this car
Any negative assumptions WILL be ignored

Thank you

Atomic Pineapple · 21-01-2011 4:30pm

There is a hole yes, the car your insured in must be your daily driver, the third party extension is not for use to be insured permanently on a different car.

Members of the Gardai have confirmed they are now targeting this loophole and impounding cars that are insured this way but being used as the insureds daily driver.

If you are having trouble getting insurance I recommend you contact the IIF or the insurance ombudsman for guidance rather than trying to abuse a loophole.

si_guru · 21-01-2011 4:38pm

What you are doing is called "fronting"... expect the insurance company to cancel your policy when they find out. The Gardai take a dim of this too, they would probably prosecute you for having no insurance.

Paudie_Gtst · 21-01-2011 10:18pm

draffodx wrote: »

the car your insured in must be your daily driver, the third party extension is not for use to be insured permanently on a different car.

Where does it say you can't?
If so what is the definition of "daily driver" how many hours can you drive the car before it is claimed to being permanently used?

Alanstrainor · 21-01-2011 10:27pm

Thread closed as the original post has been deleted. If you want it reopened PM me and i'll put back the original post. Otherwise it stays closed. Deleting your post isn't on.

Paudie_Gtst wrote: »

Where does it say you can't?
If so what is the definition of "daily driver" how many hours can you drive the car before it is claimed to being permanently used?

JerCotter7 · 21-01-2011 10:56pm

What about failure to display insurance disc? Or is that just tax. They can do you for not showing the disc and for not having the tax.

21-01-2011 11:02pm

The car will be insured 3rd party only when you are driving it. If you park it up and get out it's not insured at all, so if it goes on fire etc the "owner" won't have any insurance for it. I believe a car on public road etc must be insured. Driving a high powered car like that with no insurance disc will attract a good deal of attention, especially if you are young. Every checkpoint will be a potential ordeal.

Paudie_Gtst · 21-01-2011 11:05pm

JerCotter7 wrote: »

What about failure to display insurance disc? Or is that just tax. They can do you for not showing the disc and for not having the tax.

The car is taxed, yes i understand that, but they told me the car does not have to be insured at all?

21-01-2011 11:08pm

Paudie_Gtst wrote: »

The car is taxed, yes i understand that, but they told me the car does not have to be insured at all?

They told you you will be insured 3rd party while driving it regardless of it being otherwise insured or not. The car does need to be insured while in a public place, so once you are in it that's fine, park it up and get out and the car is not insured.

JerCotter7 · 21-01-2011 11:08pm

Paudie_Gtst wrote: »

The car is taxed, yes i understand that, but they told me the car does not have to be insured at all?

Yea it doesn't have to be insured. But as James said checkpoints will take about ages to get through every time.

Paudie_Gtst · 21-01-2011 11:08pm

RoverJames wrote: »

I believe a car on public road etc must be insured.

Thats what I thought? Why would they say you can drive the car with no insurance on it only NCT and Tax?

JerCotter7 · 21-01-2011 11:10pm

Paudie_Gtst wrote: »

Thats what I thought? Why would they say you can drive the car with no insurance on it only NCT and Tax?

It is insured once it has tax and NCT. Policy from your DD insures it once you are in it.

21-01-2011 11:11pm

Paudie_Gtst wrote: »

Thats what I thought? Why would they say you can drive the car with no insurance on it only NCT and Tax?

Because you can

As far as they are concerned while you are driving the car you are insured 3rd party, they don't care that the actual car is not otherwise insured, but the car not being insured when you are not in it is a potential big issue should certain things happen. Regardless of things happening an uninsured vehicle cannot be in a public place.

challengemaster · 21-01-2011 11:11pm

If you carry the insurance cert around in the skyline at all times you're driving it, you'll be alright. Stick it in place of the insurance disc

Also yes, with Quinn the third party extension allows you to drive any car that has NCT/Tax but is also uninsured. Have used it a few times myself, never had to try explain the situation to a traffic corps member though. Considering how badly educated some of them can be, I'd assume it could be a nightmare.

21-01-2011 11:14pm

challengemaster wrote: »

Considering how badly educated some of them can be, I'd assume it could be a nightmare.

That's a tad narrow minded of you, you mustn't be well educated in respect for others coming out with sh1t like that.

Paudie_Gtst · 21-01-2011 11:18pm

RoverJames wrote: »

Because you can
As far as they are concerned while you are driving the car you are insured 3rd party, they don't care that the actual car is not otherwise insured, but the car not being insured when you are not in it is a potential big issue should certain things happen. Regardless of things happening an uninsured vehicle cannot be in a public place.

I see, so it would be illegal to park the car in a public place other than my property?

challengemaster · 21-01-2011 11:19pm

Respect is earned, but that's another arguement.

My point is, I've heard more than enough issues with things when they're black and white, getting into grey areas isn't going to improve things.

Stheno · 21-01-2011 11:19pm

RoverJames wrote: »

The car will be insured 3rd party only when you are driving it. If you park it up and get out it's not insured at all, so if it goes on fire etc the "owner" won't have any insurance for it. I believe a car on public road etc must be insured. Driving a high powered car like that with no insurance disc will attract a good deal of attention, especially if you are young. Every checkpoint will be a potential ordeal.

Just being curious here, but given that the third party cover is to insure the driver who does not own the car, would the fire/theft/third party element of the owner not apply when the car was parked up and not being driven by a non owner? Genuinely being curious, not having a swipe at you at all

21-01-2011 11:20pm

Paudie_Gtst wrote: »

I see, so it would be illegal to park the car in a public place other than my property?

Yep. Also strictly speaking when you go to a service station to pay for petrol etc the car will also be uninsured while you are out of it.

challengemaster · 21-01-2011 11:22pm

Stheno wrote: »

Just being curious here, but given that the third party cover is to insure the driver who does not own the car, would the fire/theft/third party element of the owner not apply when the car was parked up and not being driven by a non owner? Genuinely being curious, not having a swipe at you at all

We're discussing a situation where the car is NOT insured by it's owner, so there is no actual insurance policy associated with the car

Stheno · 21-01-2011 11:25pm

challengemaster wrote: »

We're discussing a situation where the car is NOT insured by it's owner, so there is no actual insurance policy associated with the car

DUH! Had a brainfart reading the OP

Thanks for that!

21-01-2011 11:28pm

What the Garda hater said :pac:

Paudie_Gtst · 21-01-2011 11:31pm

RoverJames wrote: »

Yep. Also strictly speaking when you go to a service station to pay for petrol etc the car will also be uninsured while you are out of it.

So if god forbid a crash occurred in a public place in which my parked car was hit by another car, could the owner be prosecuted due to the car being illegally parked uninsured?

And would the penalty for having a car parked with no insurance in a public place be as much as driving with no insurance?

Stheno · 21-01-2011 11:31pm

The only situation you could feasibly be confident of that being ok would be if you were to pick up a new car prior to transfer of ownership and drive it straight home?

Certainly wouldn't apply day to day unless you never parked in a public place.

Never knew that scenario existed ref the sort of cover being discussed, amazing what you can learn on here

Stheno · 21-01-2011 11:33pm

Paudie_Gtst wrote: »

So if god forbid a crash occurred in a public place in which my parked car was hit by another car, could the owner be prosecuted due to the car being illegally parked uninsured?

From what the lads are saying yes. Even worse, imagine if you forgot to put the handbrake on, or it suffered a failure and you damaged another car!

And would the penalty for having a car parked with no insurance in a public place be as much as driving with no insurance?

Yep the car is on a public road/area with no insurance. (IMO)

challengemaster · 21-01-2011 11:33pm

Just make sure wherever you're driving to/from has a multistory garage or private car park...

edit: also, on a side-note, it's possibly worth a mention that with third party extension, your OWN car that is insured cannot be being driven at the same time. An example being, you and your mate cannot jump into eachothers cars for a bit...

21-01-2011 11:37pm

Paudie_Gtst wrote: »

So if god forbid a crash occurred in a public place in which my parked car was hit by another car, could the owner be prosecuted due to the car being illegally parked uninsured?

And would the penalty for having a car parked with no insurance in a public place be as much as driving with no insurance?

I dunno, the car was in a public place uninsured so I would think yes. I don't know what the penalties would be. Wouldn't be as bad as actually driving without insurance anyway. Wouldn't like to be the owner if the car went on fire while parked up.

Stheno · 21-01-2011 11:40pm

RoverJames wrote: »

I dunno, the car was in a public place uninsured so I would think yes. I don't know what the penalties would be. Wouldn't be as bad as actually driving without insurance anyway. Wouldn't like to be the owner if the car went on fire while parked up.

Going by the posts on here where people get done for parking in a public place with no tax, and face the same penalties, potentially it might be the same?

And just imagine the guard having a bad day who spots said uninsured car, and decides to lie in wait! Or use the CCTV to lie in wait!

Paudie_Gtst · 21-01-2011 11:46pm

Stheno wrote: »

The only situation you could feasibly be confident of that being ok would be if you were to pick up a new car prior to transfer of ownership and drive it straight home?

Do you mean get another car? (Apologies if I read you wrong)

If I could have the owner of the car to insure the skyline themselves would this bypass the illegally parked car issue?

bladebrew · 21-01-2011 11:50pm

im lost!

will quinn not insure you on the skyline?

21-01-2011 11:51pm

Paudie_Gtst wrote: »

If I could have the owner of the car to insure the skyline themselves would this bypass the illegally parked car issue?

Yep.
But if they have another car it may cost a fair few €€€s.

Of course, as you have bought the car and are the owner and will only be transferring ownership to enable you to drive it using your 3rd party extension facility of your own insurance policy it is more or less fraud.
(let the games begin)

Insurance

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