Insurance=crash

lew1s

Hi,

I have car 1.2 Punto. The Driver is my girlfriend with EU driving licence. I am additional driver with Learning Permit. In April ending our insurance with Tesco Ireland. We had 1100 euro per year.

The problem is that my girlfriend has an accident and little bit crashed one car.

Now i don't know what to do. Move to another insurance company or stay with this.

Or do the Full Driving Licence for me and add insurance on my name and girlfriend will be additional.

What do you think?
Do you know how much more we will be pay when it stays on her name ?

Thanks.

S28382

Did you report the accident?

lew1s

S28382 wrote: »

Did you report the accident?

The guy he did. Insurance company sent us a form but we didn't fill out. After they sent us letter that they paid 3000 euro.
What do you think ?

Atlantic Dawn

Can depend on age, if you are both over 30 I'd say it would actually be cheaper to get her insured again as the main driver. If your 25 or less you getting insured on your own at all for less than €1500 will be a challenge, adding a driver with a claims history won't be cheap. Insurance for women to start with can be 50% less than a male in the same class of vehicle and age so she may be still cheaper getting insured as the main driver.

Your best ringing around for quotes rather than checking quotes online.

mawk

lew1s wrote: »

The guy he did. Insurance company sent us a form but we didn't fill out. After they sent us letter that they paid 3000 euro.
What do you think ?

you should probably fill in forms like that, tell your side of the story. might have alerted liability. also you know.. its polite

lew1s

Atlantic Dawn wrote: »

Can depend on age, if you are both over 30 I'd say it would actually be cheaper to get her insured again as the main driver. If your 25 or less you getting insured on your own at all for less than €1500 will be a challenge, adding a driver with a claims history won't be cheap. Insurance for women to start with can be 50% less than a male in the same class of vehicle and age so she may be still cheaper getting insured as the main driver.

Your best ringing around for quotes rather than checking quotes online.

She's 26 now. so the best way is to contact my car insurance and ask them what price will be from April (from new contract). She has car insured 4 years on her name in Slovakia but they didn't accept the insurance letter from Slovakia. No penalty points 4 years in Slovakia. Here just one little crash.

Do you think they should accept it ?

Atlantic Dawn

Did the crash occur in Ireland or Slovakia?

CiniO

lew1s wrote: »

She's 26 now. so the best way is to contact my car insurance and ask them what price will be from April (from new contract). She has car insured 4 years on her name in Slovakia but they didn't accept the insurance letter from Slovakia. No penalty points 4 years in Slovakia. Here just one little crash.

Do you think they should accept it ?

I think they should have accepted her 4 years NCB from Slovakia, but now after she had a crash, it would most likely all be gone anyway.

lew1s

Atlantic Dawn wrote: »

Did the crash occur in Ireland or Slovakia?

She had the crash here in Ireland.
So the best thing is to call my insurance company and ask them. If they give my higher insurance i need to do Full Driving licence and insure the car on me

Guy:Incognito

lew1s wrote: »

She had the crash here in Ireland.
So the best thing is to call my insurance company and ask them. If they give my higher insurance i need to do Full Driving licence and insure the car on me

Whichever way around you insure it, assuming you'll have both of you on it you'll have a loading because of the crash.

Gophur

CiniO wrote: »

I think they should have accepted her 4 years NCB from Slovakia, but now after she had a crash, it would most likely all be gone anyway.

I think, based on the OP's story, the Insurance Company were correct to not accept it!

OP, it is the Law in Ireland to fully disclose all information when applying for Insurance. If you move company you are legally obliged to tell your new Insurance company about the accident and claim, even if you are going to be the Insured driver and your girlfriend the named driver. If you do not disclose this information you could be liable for severe penalties.

MugMugs

Gophur wrote: »

OP, it is the Law in Ireland to fully disclose all information when applying for Insurance. If you move company you are legally obliged to tell your new Insurance company about the accident and claim, even if you are going to be the Insured driver and your girlfriend the named driver. If you do not disclose this information you could be liable for severe penalties.

Law ? What law? I thought Insurers acted under the principal of Utmost Good Faith wherein they assume the information given to them is correct. Is there a law policing this too?

P.C.

MugMugs wrote: »

Gophur wrote: »

OP, it is the Law in Ireland to fully disclose all information when applying for Insurance. If you move company you are legally obliged to tell your new Insurance company about the accident and claim, even if you are going to be the Insured driver and your girlfriend the named driver. If you do not disclose this information you could be liable for severe penalties.

Law ? What law? I thought Insurers acted under the principal of Utmost Good Faith wherein they assume the information given to them is correct. Is there a law policing this too?

Yes, if you do not disclose the information to the insure company, they can cancel your policy.

There are all sorts of laws governing insurance in Ireland.

MugMugs

P.C. wrote: »

Yes, if you do not disclose the information to the insure company, they can cancel your policy.

There are all sorts of laws governing insurance in Ireland.

That doesn't answer the question in any way whatsoever.

Fraud is clearly illegal and can be treated as a criminal act however an innocent Non Disclosure cannot. What law compells the Insured to fully disclose all information? That's my question.

Gophur

MugMugs wrote: »

That doesn't answer the question in any way whatsoever.

Fraud is clearly illegal and can be treated as a criminal act however an innocent Non Disclosure cannot. What law compells the Insured to fully disclose all information? That's my question.

Call your Insurance Company. They'll tell you!

hattoncracker

lew1s wrote: »

Hi,

I have car 1.2 Punto. The Driver is my girlfriend with EU driving licence. I am additional driver with Learning Permit. In April ending our insurance with Tesco Ireland. We had 1100 euro per year.

The problem is that my girlfriend has an accident and little bit crashed one car.

Now i don't know what to do. Move to another insurance company or stay with this.

Or do the Full Driving Licence for me and add insurance on my name and girlfriend will be additional.

What do you think?
Do you know how much more we will be pay when it stays on her name ?

Thanks.

If you are looking for a cheaper quote for a learner, check with your driving instructor and see who s/he is insured with.

First Ireland do very competitive rates for learner drivers on a first policy.

MugMugs

But my Insurer didn't say I was compelled by law. You did. I just assumed you'd be able to substantiate a claim when you make it. Nevermind. :rolleyes:

Gophur

MugMugs wrote: »

But my Insurer didn't say I was compelled by law. You did. I just assumed you'd be able to substantiate a claim when you make it. Nevermind. :rolleyes:

What are you on about?

What Law compels you to have insurance in the first place? Or are you just giving them money for fun?


Your duty when seeking insurance to inform the insurer of every material fact. The duty arises when getting quotes for new insurance. It also applies if you look for a variation of cover and at renewal of your policy. Non disclosure of a material fact can invalidate a policy: an insurer can cancel a policy or refuse to pay a claim if you fail to reveal all material facts when applying or renewing insurance.

MugMugs

Gophur wrote: »

OP, it is the Law in Ireland to fully disclose all information when applying for Insurance.

MugMugs wrote: »

Law ? What law? I thought Insurers acted under the principal of Utmost Good Faith wherein they assume the information given to them is correct. Is there a law policing this too?

Gophur wrote: »

What are you on about?

What Law compels you to have insurance in the first place? Or are you just giving them money for fun?

I'm obliged to have RTA cover under the Road Traffic Act 1962 I believe. What relevance has that got to Non Disclosure? I pay my Insurance to be road legal and to transfer the risk of me driving a 15K lump of metal around should I ever be unfortunate to suffer loss to it.... or somebody else.

Gophur wrote: »

Your duty when seeking insurance to inform the insurer of every material fact. The duty arises when getting quotes for new insurance. It also applies if you look for a variation of cover and at renewal of your policy. Non disclosure of a material fact can invalidate a policy: an insurer can cancel a policy or refuse to pay a claim if you fail to reveal all material facts when applying or renewing insurance.

I don't dispute any element of that nor have I.

Your response seems a bit agressive an irratic tbh.

You said "it is the Law in Ireland to fully disclose all information when applying for Insurance."
All I did was ask you what "Law" that was. It's a general query. When you say "duty" I assume you mean the duty placed onto me by the Insurer. But I was just asking what law you were reffering too.

P.C.

MugMugs wrote: »

But my Insurer didn't say I was compelled by law. You did. I just assumed you'd be able to substantiate a claim when you make it. Nevermind. :rolleyes:

Yes, your insurance company did. Read the small print.

Actually, if you have a good read through your insurance policy, you might even find out which laws govern insurance in Ireland. Let us know what you find out.

Gophur

MugMugs wrote: »

.......

Your response seems a bit agressive an irratic tbh.

........

Agressive? How do you make that out? Maybe you're too sensitive?

"irratic"? What's that?

For your information, Insurance obligations are contained in The Road Traffic Act. And, from Liberty Insurance Proposal Form (every person filling out an Insurance proposal, either on-line or by hand, will have this pointed out). Teh Road Traffic Act gives the Insurance Companies authority to enforce such conditions.

IMPORTANT NOTICE
It is an offence under the Road Traffic Act to make any false statement or withhold any material information for the purposes of obtaining a certificate of motor insurance. All facts are material, which might influence the acceptance or assessment of your proposal. It is your duty to disclose all facts material to you and any other person who may drive your vehicle. Failure to disclose all material facts could render your insurance invalid and not give protection in the event of a claim. If you are in any doubt as to whether a fact is material you should disclose it.

Ignore the small print, at your peril.

Now. Is that good enough for you, or do you require more detailed lessons in Law and the Irish Statute?

MugMugs

That's all I asked you for. Thanks

lew1s

will call my insurance company and let you know.
I am learner driver but will do the Full driving licence and after will insure on my name and girlfriend as additional driver.