Quick insurance question

NeVeR

Quick question.

My g/f just bought a car. She can't drive yet.

The car has tax and NCT

Can I drive it using my insurance ?
I'm 29, full licence . Been driving 8 years.

Can I drive it for a few hours to get it home.

rocky

do you have 'driving other cars' extension on your policy?

NeVeR

yes i do. - I'm with 123.ie

But her insurance for the car has not started yet. So i'm not sure what the rules are.

Samich

Was under impression the car has to be insured to drive it. Because what's stopping me getting insured on a 1.0 litre micra, then buying an Impreza and driving that instead.

langdang

Samich wrote: »

Was under impression the car has to be insured to drive it. Because what's stopping me getting insured on a 1.0 litre micra, then buying an Impreza and driving that instead.

I heard you could do it but only if you walked 3 times backwards round a protestant church.


But the most common version of third party of extension requires the other car not to be yours (or your spouse's), but places no other explicit conditions.

The non display of a valid insurance disc is a separate matter, but of morally of less concern than being covered third party.

coylemj

Samich wrote: »

Was under impression the car has to be insured to drive it. Because what's stopping me getting insured on a 1.0 litre micra, then buying an Impreza and driving that instead.

The insurance companies have become wise to that trick, young lads were getting insurance on Micras and then using the driving other cars facility to drive BMWs notionally owned by their fathers but which in fact was their main car and owned by them.

The other car does not need to have a policy of it's own, the only condition as said earlier is that the policyholder (and sometimes his wife) does not own it and it is not hired to him.

Samich

langdang wrote: »

I heard you could do it but only if you walked 3 times backwards round a protestant church.


But the most common version of third party of extension requires the other car not to be yours (or your spouse's), but places no other explicit conditions.

The non display of a valid insurance disc is a separate matter, but of morally of less concern than being covered third party.

What are you getting at?

I think your gf needs to be insured in the car before he can drive it.

kapa

the best thing for you to do, to be on the safe side, is to ring up your own insurance company and transfer over your cover onto it for the few hours.

Samich

coylemj wrote: »

The insurance companies have become wise to that trick, young lads were getting insurance on Micras and then using the driving other cars facility to drive BMWs notionally owned by their fathers but which in fact was their main car and owned by them.

The other car does not need to have a policy of it's own, the only condition as said earlier is that the policyholder (and sometimes his wife) does not own it and it is not hired to him.

What if I got my auld fella to be put down as the owner of the car?

kapa

Not a great idea. You might run into trouble later on. Best to have it in your g/f name if she is the main user.

langdang

Samich wrote: »

What are you getting at?

The first part was just bar stool "wisdom"

The second part was answering your question based on the flavour of every standard insurance policy I've had in years, from several companies.

Samich wrote: »

I think your gf needs to be insured in the car before he can drive it.

Shur how would the OP know if I had a gf or not and how would it help?

ResearchWill

Read section 2 http://www.123.ie/downloads/motorpolicy.pdf

If still not sure ring 123.ie

langdang

kapa wrote: »

the best thing for you to do, to be on the safe side, is to ring up your own insurance company and transfer over your cover onto it for the few hours.

Probably the best thing alright, 40yoyo admin fee with some of these crowds tho.

NeVeR

Just rang them, They said I was covered to drive the car, I explained she wasn't insured on it, They said it didn't matter as i've full cover with them and covered to drive any car.

challengemaster

Samich wrote: »

Was under impression the car has to be insured to drive it. Because what's stopping me getting insured on a 1.0 litre micra, then buying an Impreza and driving that instead.

Usually most insurers don't require the other car to be insured, however, there are usually also requirements outlined by your insurer (can't be owned by you/spouse, must be roadworthy, etc)

If in doubt, call and ask

Marcusm

NeVeR wrote: »

Just rang them, They said I was covered to drive the car, I explained she wasn't insured on it, They said it didn't matter as i've full cover with them and covered to drive any car.

When you say full cover, have they extended cover on a 3rd party or comprehensive basis? Not a major issue for you but no fun for her if you write off the car

coylemj

Marcusm wrote: »

When you say full cover, have they extended cover on a 3rd party or comprehensive basis? Not a major issue for you but no fun for her if you write off the car

I could be wrong but from reading the OP's report of the phone call ....

NeVeR wrote: »

Just rang them, They said I was covered to drive the car, I explained she wasn't insured on it, They said it didn't matter as i've full cover with them and covered to drive any car.

it sounds like they didn't make any change to the policy, they just clarified that he is already covered under the 'driving other cars' clause so I'd say he will not have comprehensive cover, just third party.

From previous threads I believe Axa is the only company who give selected customers (me included) comprehensive cover when driving other cars, usually with some restrictions, currently it's that cover is limited to 50K and does not apply to vans.

cplwhisper

the link above from ResearchWill is out of date as is 123.ie via Travelers UWR but they no long underwrite cover for 123.ie

RSA own and underwrite for 123.ie Since 2011 - the DOC extension is very strict - ask them to specify i writing that they allow use for g/f car

- reason be as DOC is for cars not owned by insured (neVer), partner , employer car and rental car or car you have financal interest in..

other T&C can apply as in if in your insurance you've been declined on Jap imports or sports car then you can't use DOC extension to use the same cars