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Driving with no insurance disc displayed?

2»

Comments

  • #32
    cormie
    Registered Users, Registered Users 2 Posts: 20,859 ✭✭✭✭cormie


    Theanswers wrote: »
    I have a fleet insuracne policy.
    The insurance disc do not have a reg on them... Instead you move them with you as you move car.

    Thus it's not attached to a certain.
    All though, If I was in the OPs situation I would bring along my insurance disc even showing the wrong reg because this is the insurance that is covering the car to be driven.
    'valid insurance' which it is...

    Be careful here, my own fleet policy only allows me to drive the cars listed on the policy (although doing a temp transfer is easy), but unfortunately it states that I can't just drive any vehicle and that I'm only insured to do so if moving it out of the way of something (it actually says something along these lines).
    Gophur wrote: »
    Define "insured" ?

    For what?

    By Whom?

    What possible reason could there be to insist a car, being driven by someone on his own policy, had to be featured in another policy?

    As in, under "somebodies" policy, the rest, well it depends on the insurer, but it is the case on some policies.


  • #33
    subway
    Closed Accounts Posts: 6,113 ✭✭✭subway


    creedp wrote: »
    If a claim ensued and the insurance company found that this car was being driven regularly by you it could have implication for your insurance cover.
    from what i read, the reason its very difficult to get "driving other cars" in the UK is because so many people were exploting the loop hole. i've no doubt you would have a sore backside if you were found out, but i suppose it comes down to "how" you would be found it
    creedp wrote: »
    Otherwise as pointed out above, we'd all try to pull the fast one of insuring a cinquecento while driving the 'mates porsche'! That is of course if the mate was foolish enough to allow this to happen on regular basis!! However, it seems like a very reasonable approach to take on a short term basis.

    ahh yes, but, the less scrupulous person might buy a porsche as a gift for an aging relative or a friend who is out of the country.


  • #34
    Veloce
    Registered Users, Registered Users 2 Posts: 1,289 ✭✭✭Veloce


    What is the situation when you have renewed your insurance and you are waiting for your new disc to arrive in the post? Can you still be fined for having the out of date disc on display a few days after it's expiry?


  • #35
    subway
    Closed Accounts Posts: 6,113 ✭✭✭subway


    Veloce wrote: »
    What is the situation when you have renewed your insurance and you are waiting for your new disc to arrive in the post? Can you still be fined for having the out of date disc on display a few days after it's expiry?
    could you? technically speaking, yes, its a small fine for non display.
    would you? i would imagine its extremely unlikely that a garda would pursue it if you presented docs within 10 days at a station.

    regardless, you wouldn't be done for driving without insurance in either scenario


  • #36
    tanko
    Registered Users, Registered Users 2 Posts: 9,503 ✭✭✭tanko


    Does all this mean that i can drive two cars, say one car during the week and a "weekend car", one of which i own and the other registered in my sisters name (who has a company car) and just have one insurance policy? Assuming both cars have tax and nct.This sounds too good to be true.


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  • #37
    -Corkie-
    Closed Accounts Posts: 10,021 ✭✭✭✭-Corkie-


    tanko wrote: »
    Does all this mean that i can drive two cars, say one car during the week and a "weekend car", one of which i own and the other registered in my sisters name (who has a company car) and just have one insurance policy? Assuming both cars have tax and nct.This sounds too good to be true.

    Well yes as long as its not registered to you and its taxed and tested. Quinn do such a policy and I have it..


  • #38
    C4Kid
    Registered Users, Registered Users 2 Posts: 480 ✭✭C4Kid


    Last time I renewed my insurance I forgot to install the new disc when it arrived.Two days later I passed through a checkpoint and was left off and told produce the cert within 10 days at the local station.

    Down to the discretion of the Garda I perhaps?


  • #39
    corktina
    Closed Accounts Posts: 17,730 ✭✭✭✭corktina


    -Corkie- wrote: »
    Well yes as long as its not registered to you and its taxed and tested. Quinn do such a policy and I have it..

    some Insurance Companies state no family owned cars but what is suggested is quite OK so long as your policy allows for it.You are paying for that cover after all. It's probably only 3rd party cover though


  • #40
    -Corkie-
    Closed Accounts Posts: 10,021 ✭✭✭✭-Corkie-


    corktina wrote: »
    some Insurance Companies state no family owned cars but what is suggested is quite OK so long as your policy allows for it.You are paying for that cover after all. It's probably only 3rd party cover though

    Its only third party allright but its very handy, also a named driver on the policy cannot avail of this..


  • #41
    cormie
    Registered Users, Registered Users 2 Posts: 20,859 ✭✭✭✭cormie


    Also, sometimes it may state the other vehicle can only be a maximum of 1.6l for example..


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  • #42
    Milk & Honey
    Banned (with Prison Access) Posts: 1,950 ✭✭✭Milk & Honey


    Whenever I change my car I get my insurance broker to fax confirmation that cover is in my name on the new car. The car doesn't move until I have that fax in my hand. There is no need for a disk for 10 days. It is still technically an offence to drive the car without an insurance cert.


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