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Insurance on different car?

  • 09-02-2012 2:15pm
    #1
    Renno123
    Registered Users, Registered Users 2 Posts: 338 ✭✭


    I just sold my car and want to drive the family car for a bit.
    I switched my insurance over to the family car but am wondering is this
    right? now the car is insured by 2 different policies??
    by 2 different people.. the car owner, and myself..

    what is the right procedure so i can drive this car legally.
    can i drive the car now?


Comments

  • #2
    kerten
    Registered Users, Registered Users 2 Posts: 937 ✭✭✭kerten


    From threads here I have seen so far( so don't rely on them:D ),

    There may be a issue of insuring something you don't own. It works between spouses but not sure about other family members. I would try to get "insurance is valid" in writing from insurer company

    Also I would be careful about how claims going to be processed. Insurance companies likes to share cost of claim if there are more than one insurance policy covers car. So both NCB can be lost in case of a third party claim.


  • #3
    Vertakill
    Registered Users, Registered Users 2 Posts: 2,262 ✭✭✭Vertakill


    Renno123 wrote: »
    I just sold my car and want to drive the family car for a bit.
    I switched my insurance over to the family car but am wondering is this
    right? now the car is insured by 2 different policies??
    by 2 different people.. the car owner, and myself..

    what is the right procedure so i can drive this car legally.
    can i drive the car now?

    The car shouldn't be insured twice.

    You should get the original policy owner who's insured on the car (whoever that is in your family) and ask them to ring up the insurance company and have you added to the policy fully comprehensively.
    Depending on your 'risk', you may have to pay a little more onto the other person's policy (or it might reduce it or stay the same depending!).


  • #4
    Buffman
    Registered Users, Registered Users 2 Posts: 2,875 ✭✭✭Buffman


    Renno123 wrote: »
    what is the right procedure so i can drive this car legally.
    can i drive the car now?
    Vertakill wrote: »
    The car shouldn't be insured twice.

    You should get the original policy owner who's insured on the car (whoever that is in your family) and ask them to ring up the insurance company and have you added to the policy fully comprehensively.
    Depending on your 'risk', you may have to pay a little more onto the other person's policy (or it might reduce it or stay the same depending!).

    The above and cancel or suspend your own policy until you get a car.

    FYI, if you move to a 'smart' meter electricity plan, you CAN'T move back to a non-smart plan.

    You don't have to take a 'smart' meter if you don't want one, opt-out is available.

    Buy drinks in 3L or bigger plastic bottles or glass bottles or cartons to avoid the DRS fee.



  • #5
    Renno123
    Registered Users, Registered Users 2 Posts: 338 ✭✭Renno123


    Vertakill wrote: »
    The car shouldn't be insured twice.

    You should get the original policy owner who's insured on the car (whoever that is in your family) and ask them to ring up the insurance company and have you added to the policy fully comprehensively.
    Depending on your 'risk', you may have to pay a little more onto the other person's policy (or it might reduce it or stay the same depending!).

    thank you,
    ill do that asap


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