Travelling to the UK

suitseir

Going for two weeks. Driving over this time and just wondering do I have to advise the Insurance Company.

When the policy says minimum insurance in other European Countries do they mean third party only?

Thanks.

CiniO

suitseir wrote: »

Going for two weeks. Driving over this time and just wondering do I have to advise the Insurance Company.

When the policy says minimum insurance in other European Countries do they mean third party only?

Thanks.

Yes. Minimum means in that case third party only. That's unlimited.

Anyway most insurance companies will cover you comprehensive (if you have it insured comprehensive) for a limited period of time if you inform them.

keithclancy

CiniO wrote: »

Yes. Minimum means in that case third party only. That's unlimited.

Anyway most insurance companies will cover you comprehensive (if you have it insured comprehensive) for a limited period of time if you inform them.

Twas 90 days for me anyways with Quinn Direct back in 2007 for Fire and Theft.

After that its Third Party Only.

Our man in Havana

Depending on who you speak to at QD they will tell you various different things. Some will make out that the 3rd party is only good for 90 days.

keithclancy

Our man in Havana wrote: »

Depending on who you speak to at QD they will tell you various different things. Some will make out that the 3rd party is only good for 90 days.

TPF&T is good for 90 days
TPO is as for as long as you have insurance (EU Regulation)

So if your car gets stolen/burnt out its not covered.

Our man in Havana

Agreed.

TPO is as for as long as you have insurance (EU Regulation)

I knows that but some people working in insurance companies are not aware of this.

coylemj

For a short trip you wouldn't need to inform your insurance company because in my experience every motor policy sold in Ireland covers you for GB including the Channel Islands and the Isle of Man.

Axa don't have a problem going to mainland Europe provided it's for not more than 30 consecutive days, any longer than that and you'd need to inform them.

Download the policy document from your insurance company's website and read it, I wouldn't ring up and ask because as an earlier poster said you can get different answers from different call agents.

Our man in Havana

Every insurance policy sold in Ireland covers you for the minimum 3rd party cover throughout the EU for the duration of the policy. There is no need to ask them for this. They have no choice under EU regulations.

suitseir

Thanks for all your replies. I actually rang them and seemingly the policy covers me for comprehensive insurance in the UK.

They also gave me two contact numbers in the UK for windscreen breakage and breakdown cover.

Insurance companies are peculiar organisations.....best to let them know where you are driving as in my case, just in case! Experience has taught a lot of us they can `opt` out of claims, should they not have the full information!

Our man in Havana

They can try and opt out of comp claims all they want but there is no way they can shirk their 3rd party responsibly.

CiniO

Our man in Havana wrote: »

They can try and opt out of comp claims all they want but there is no way they can shirk their 3rd party responsibly.

Lady in Allianz customer phoneline was trying to explain me, that if I stay longer than 3 months abroad, then even my third party cover will be void, as my whole policy will be void, due to myself being not resident anymore in Ireland, while policy is only for Irish residents.

What do you think about such explanation?

Our man in Havana

That explanation is a load of cobblers. If a claim happened in those circumstances they would be paying out. The claim would have gone through 2 motor insurance bureaux before it lands on their desk and would be already settled by the MIBI.

Being gone for 3 months does not cause you to lose residency in Ireland. Trying telling the tax man that.

CiniO

Our man in Havana wrote: »

That explanation is a load of cobblers. If a claim happened in those circumstances they would be paying out. The claim would have gone through 2 motor insurance bureaux before it lands on their desk and would be already settled by the MIBI.

Being gone for 3 months does not cause you to lose residency in Ireland. Trying telling the tax man that.

That's the same what I thought.