Insurance question?

cerebis

Hi folks, i've bought a car in NI I transferred my insurance from my old car to the new one using it's Northern reg

I paid the VRT on it on Friday and received my irish reg number. I've received my new number plates but haven't put them on yet. Would it be ok to put the new plates on or would that void my insurance policy as it is listed as having the northern plates on it?

What do you reckon?

aujopimur

Fit the Irish plates, phone the new reg to your insuance co.as soon as possible.

cerebis

aye the thing is the insurance company is not open today and i have to travel.. so im thinking i should keep the places which are listed on my insurance policy?

CiniO

cerebis wrote: »

aye the thing is the insurance company is not open today and i have to travel.. so im thinking i should keep the places which are listed on my insurance policy?

I'd do the same.
You have 3 days to place your Irish plates on the car after obtaining the number.

aujopimur

It does'nt make any difference, the Irish plates will draw less attention,
keep your and VRT receipt and proof of insurence (if you have it) with you when you're driving.

CiniO

aujopimur wrote: »

It does'nt make any difference, the Irish plates will draw less attention,
keep your and VRT receipt and proof of insurence (if you have it) with you when you're driving.

What if he crashes, and then Insurace company will refuse to pay for the claims, stating that it was a car with different number-plate which was insured?

aujopimur

CiniO wrote: »

What if he crashes, and then Insurace company will refuse to pay for the claims, stating that it was a car with different number-plate which was insured?

The car reg. won't make any difference with regards to insurance as thre're both legitimate.

CiniO

aujopimur wrote: »

The car reg. won't make any difference with regards to insurance as thre're both legitimate.

Are you sure?
My insurance cert states something like: "vehicles covered - vehicle bearing registration number 95-DL-12345 and no others".

Are you saying that if I register this vehicle in other country and put another plate on it, it still will be covered?

aujopimur

CiniO wrote: »

Are you sure?
My insurance cert states something like: "vehicles covered - vehicle bearing registration number 95-DL-12345 and no others".

Are you saying that if I register this vehicle in other country and put another plate on it, it still will be covered?

What other country are you talking about.
The OP has reregistered a car, Its the same car no matter what reg. it has.
The VIN will be the same on both registrations, his insurers will be well aware of the circumstances when he transferred his insurence to the new car.

CiniO

aujopimur wrote: »

What other country are you talking about.
The OP has reregistered a car, Its the same car no matter what reg. it has.
The VIN will be the same on both registrations, his insurers will be well aware of the circumstances when he transferred his insurence to the new car.

It's the same car, but now it's registered in Ireland, as when he was insuring it, it was registered in NI and had different registration number.

Assuming insurance companies can reject to pay for the claim if someone fails to inform them about some absolutely irrelevant facts like fitting aftermarket alloys or sth, then surely they can reject to pay for the claim if someone reregistered car in different country (from NI to ROI) and put new numberplates without informing them.

aujopimur

Insurance cos. deal with this situation every day, with me on more than one occasion, and I've never heard of anyone having a problem.
In fact you do not need a reg. no. as the VIN will suffice.

CiniO

aujopimur wrote: »

Insurance cos. deal with this situation every day, with me on more than one occasion, and I've never heard of anyone having a problem.
In fact you do not need a reg. no. as the VIN will suffice.

My insurance company never asked me about my vehicles VIN.

How are they supposed to know that it's the same car

Big Nasty

I'm sure the OP has already made their journey but I would have left the NI plates on today, call my insurance co in the morning and fit the IRL plates immediately after same.

cerebis

Thanks folks, yeah i made the trip on the NI plates... will swap over tomorrow and fix the new plates... if you ask me, cars should be insured on the VIN and not the reg.. i'll ask them tomorrow to see if I would have been properly covered if i had had an accident....

CiniO

cerebis wrote: »

i'll ask them tomorrow to see if I would have been properly covered if i had had an accident....

Please let us know.

mathepac

CiniO wrote: »

My insurance company never asked me about my vehicles VIN. ...

Any car I've ever owned not registered in Ireland I have insured on the VIN. VINs don't change (well legally anyway) whereas reg. nos. may.

MugMugs

mathepac wrote: »

CiniO wrote: »

My insurance company never asked me about my vehicles VIN. ...

Any car I've ever owned not registered in Ireland I have insured on the VIN. VINs don't change (well legally anyway) whereas reg. nos. may.

How have you done that ?

cerebis

well folks, called them up and paid my renewal on the new plates..

The guy on the phone said i would have been covered on the other plates anyway... as the insurance company made 'notes' on their end that the car was taken in from the north.. so all good....

aujopimur

Just like I said, he was insured under both reg. nos. as they had "taken notes".
Personally under these circumstances I usually get signed confirmation and ref. no. by fax, email or text
Insurance cos. only check the VIN when a claim is involved.
With regard to insurance on a VIN only, we had an old machine at work that did'nt have any reg. or paperwork which ocassionally but rarely went on the public road, it was insured TPO on the VIN in the event of an accident on the road.

mada999

how would they know my vin? Do i have to tell them it? i've never been asked by an insurance company for my vin before?

aujopimur

Normally the insurer does'nt look for the VIN.

mathepac

MugMugs wrote: »

How have you done that ?

Give both the foreign reg, make / model & all the other guff and supply the VIN. I gives a little breathing space for updating their records with new Irish reg and ensures there is no subsequent confusion.

millionmystery

cerebis-did you have to pay the vrt as soon as you were told how much it would cost (after inspection)? or do you get any time to pay it?
thanks.