Not the registered owner... can i still insure?

barney 20v

Hi all,
My question is can i put insurance on a car if i am not the registered owner.
My brother who lives in the Uk has just got a new job which also provide him with a company car.

He already has a car but no space to keep/store both cars in the uk.
He has asked me to look after his own car for him back here in wexford

But i'm not sure i can get insured on it as he will still be the registered owner.
The car is on uk plates but he can bring it back and register it without paying VRT as he has been uk resident for long enough to quailfy .

But one of the stipulations of the VRT is that he can not sell the car for 12 months after he registers it in Ireland, ie we can't transfer ownership to me without paying the vrt which he is legally entitled to not pay.

I am trying to find out is it possible for me to insure the car if he is the registered owner still.?
The car will not be a daily driver but it is too good to just park up and abandon indefinitely .
The idea is to maybe insure it from time to time to keep it maintained etc.

If its un-avoidable he has said he will pay the vrt just so we can register it in my name and insure it that way....
any ideas?

goldenhoarde

get him to insure and put you as named driver (you pay for it obviously)

then next year he can legally sell to you

Mind you this all depends on the amount of VRT owed if you were to register it and also the insurance quote he gets as they may class him as a new driver if hes been living in the UK with no insurance history in the last 2 years here (i think!)

awec

This post has been deleted.

Marcusm

One issue is that he can only import VRT free is he is moving to be living in Ireland permanently. I looked into this as I flit over and back between the countries (70% or more UK where I've lived for 16 years) but couldn't get an exemption. Not sure how they police it but as a minimum I guess it'd ring alarm bells if he didn't present it at NCT for the initial assessment. It's a tax matter also so some f the declarations have significant penalties attached - just for his consideration.

barney 20v

Marcusm wrote: »

One issue is that he can only import VRT free is he is moving to be living in Ireland permanently. I looked into this as I flit over and back between the countries (70% or more UK where I've lived for 16 years) but couldn't get an exemption. Not sure how they police it but as a minimum I guess it'd ring alarm bells if he didn't present it at NCT for the initial assessment. It's a tax matter also so some f the declarations have significant penalties attached - just for his consideration.

He has no intention of trying to pull a fast one on the vrt, As far as i knew he was exempt from the vrt but i may be wrong.He will be bringing the car back and dealing with the registartion and NCT etc..

The real question is can i insure it once he has registered it here regardless of the VRT situation.
The car in question is a 2004 Ford Mondeo st220 with fsh and 60k miles
Not really exotic or rare but its a nice motor with plenty of toys
and is in mint condition etc.

He had the older st 200 a few years back and we did much the same thing i.e, i looked after the car while he was away,although the previous car was Irish from new and we just transfered ownership to me for the duration.
It just seems a pity to park it up and let it rot so to speak.

Also insurance for me is a non issue. i'm 30 with full clean irish and 8 yrs no claims,i currently drive a 2001 impreza wrx.

whomitconcerns

if its on UK plates...which it seems to be..then no you cant drive it in ireland at all.

Get him to vrt it, then get him to insure it in ireland and add you as a named driver maybe?

Mr Simpson

whomitconcerns wrote: »

if its on UK plates...which it seems to be..then no you cant drive it in ireland at all.

Its not, read the op. His brother is registering it, doesn't need to pay VRT, but he can't sell it for 12 months. Thems the rules

barney 20v

whomitconcerns wrote: »

if its on UK plates...which it seems to be..then no you cant drive it in ireland at all.

Yes... i am aware of that..... did you read my posts?
He is going to register the car and leave it in my care...
My question is about insurance after this point.

Mr Simpson

barney 20v wrote: »

Yes... i am aware of that..... did you read my posts?
He is going to register the car and leave it in my care...
My question is about insurance after this point.

You don't have insurable interest, so my understanding is he must insure it, with you as a named driver.

barney 20v

mmcn90 wrote: »

You don't have insurable interest, so my understanding is he must insure it, with you as a named driver.

Yea that was my initial thought on it but i have had conflicting info.:rolleyes:

whomitconcerns

barney 20v wrote: »

Yes... i am aware of that..... did you read my posts?
He is going to register the car and leave it in my care...
My question is about insurance after this point.

my bad on first point..but second point stands i would think easiest way is he insures and adds you as named..but that does leave a question over you being the main user of the car...

corktina

He can't re-register it here VRT free unless he is transferring his permanant resdence here.

He can't lend it to you to use here on UK plates.

You can't insure it if you don't own it

You cna't long-term insureit on Uk pates

Short answr, you can't do this.

barney 20v

whomitconcerns wrote: »

my bad on first point..but second point stands i would think easiest way is he insures and adds you as named..but that does leave a question over you being the main user of the car...

Yea no hassle, well i won't be driving the car on a regular basis..its just to keep it moving and get it serviced and generally give it a run out now and then.

If it was possible i would ideally like to tranfer my insurance on the wrx over onto the mondeo for short periods of time ie 4-6 weeks.

It may be more cost effective to split the cost of the vrt @ approx 780 euro and transfer my policy over to the car once its registered in my name.
That way my bro avoids paying storage and he gets his car looked after by me!
For an insurance policy with the 2 of us on comp it would i guess be more than 780.
It seems like the best option to me anyways? anyone agree?

djimi

Can he insure the car here if his permanent address is in the UK? I didnt think that was allowed.

CiniO

djimi wrote: »

Can he insure the car here if his permanent address is in the UK? I didnt think that was allowed.

You are right. He can't insure it, as he is not resident in Ireland.

That causes a situation, when foreign resident who owns the Irish registered car stationing in Ireland, has no legal way to insure it to use it (f.e. during his visits in Ireland).

Bit silly, but that's how it looks like.

rocky

With 123, a partner can insure the car that's in the spouse's name, but that's about it I think...

CiniO

barney 20v wrote: »

If its un-avoidable he has said he will pay the vrt just so we can register it in my name and insure it that way....
any ideas?

OP.
The only solution to your problem for you is to get insurance on different car (yours) which gives you "driving other cars" extension.
Then you will be able to use this extension to drive your brother's car here.

However you must remember, that your brother legally can't VRT his UK registered car here in Ireland, without becoming resident in Ireland.

jimmycrackcorm

Op, you'll find it very difficult for your brother to prove residency here for vrt exemption. What will he tell revenue and customs about his job here that proves he lives here.

I was went through the process myself and know how difficult it can be

awec

This post has been deleted.

CiniO

awec wrote: »

Yep, the form you have to fill in asks for all sort of proof.

Got to show mortgage / rent, bill payments etc to prove residency and the date when residency commenced.

Not everyone pays mortgage / rent.
Person who resides abroad but owns a house in Ireland might be paying bills all the time when abroad.
So I wonder how throughly they check it, and what they do in not-typical situations....

Maggie 2

We brought in my Father In Law's car for my son. We paid VRT, registered it in my son's name and went to insure it on my insurance. We were told that it HAD to be in MY name for me to insure it. It was just a matter of signing the registration book and sending it to Shannon. It was back in a few days, but to answer your question, YES IT HAS TO BE IN YOUR NAME. Insurance can be declared invalid if not. Could cause serious problems if unfortunate enough to have a claim against you.

Marcusm

CiniO wrote: »

However you must remember, that your brother legally can't VRT his UK registered car here in Ireland, without becoming resident in Ireland.

He can if he's willing to pay the VRT; there is any number of Non residents with Irish reg'd cars at second homes. Likewise they must ave found insurers willing to insure!

CiniO

Marcusm wrote: »

He can if he's willing to pay the VRT;

I actually though that you must be resident in Ireland to register car in Ireland.

there is any number of Non residents with Irish reg'd cars at second homes. Likewise they must ave found insurers willing to insure!

How would be that insurer?

jimmycrackcorm

CiniO wrote: »

I actually though that you must be resident in Ireland to register car in Ireland.

Fill in any Irish name and address on the registration form and you're good to go