Irish Fully comp policy covering driving relatives car abroad?

da_hambo

Hi lads, just seeing if anyone has any experience of this.

I have a fully comp policy with Chartis enabling me to drive any other car 3rd party as long as not in my name. Does this mean i can drive a relations uk reg car in the uk?

I tried to ring the insurance company but alas they dont work Saturdays and im heading away later on for a few days.

David

alias no.9

I really don't think it would. Try Aviva in the UK for a temporary policy to cover you for the few days, this can cover you to drive their car whether they have their own policy on it or not.

galwaytt

Extremely unlikely. And you'd have a big job convincing a PC on the roadside as well......

Maybe your relative has Open Drive ? Or how much could it cost your relative to add you for a few days ?

aujopimur

galwaytt wrote: »

Extremely unlikely. And you'd have a big job convincing a PC on the roadside as well......

Maybe your relative has Open Drive ? Or how much could it cost your relative to add you for a few days ?

In Ireland my experience has been, temp cover is charged, where as perm. cover is FOC.

Del2005

da_hambo wrote: »

Hi lads, just seeing if anyone has any experience of this.

I have a fully comp policy with Chartis enabling me to drive any other car 3rd party as long as not in my name. Does this mean i can drive a relations uk reg car in the uk?

I tried to ring the insurance company but alas they dont work Saturdays and im heading away later on for a few days.

David

I asked my company a few years ago and got a big no. Can't remember the underwriter but it was through the AA.

da_hambo

Thanks a lot lads, was thinking it would have been too easy!

Thanks again for the prompt responses.

Del2005 wrote: »

I asked my company a few years ago and got a big no. Can't remember the underwriter but it was through the AA.

CiniO

I checked this matter with Allianz few years back, and there was no problem with it.
Third party extension (allowing me to drive other cars which doesn't belong to me) was valid all over EU.

Unfortunately they changed their policy document this year introducing many changes which are in favour to them, and one of those changes is that now third party extension is limited to Ireland an UK only.
Anyway - it's still good for OP, as he needs that kind of cover for UK.

Endorsement No 4 – Driving other Cars
We will insure You in respect of legal liability, as provided under Section 1 (Third Party
Insurance) whilst You are driving another Private Car, provided such Private Car:
1. Does not belong to You or Your employer.
2. Is not hired or leased to either of the parties described above under a Hire Purchase or
Leasing Agreement.
3. Is not the property of or in the custody or control of a Motor Trade business of which
You are a director, member or employee.
Cover under this Endorsement is limited to use within Ireland and the United Kingdom only.

CiniO

galwaytt wrote: »

Extremely unlikely. And you'd have a big job convincing a PC on the roadside as well......

Why big job?
If you have your insurance certificate which states you are insured to drive other cars, there should be no doubts.

Printing a policy document with the piece I quoted above to show it to Policeman, should solve the issue for 100%.

da_hambo

CiniO wrote: »

I checked this matter with Allianz few years back, and there was no problem with it.
Third party extension (allowing me to drive other cars which doesn't belong to me) was valid all over EU.

Unfortunately they changed their policy document this year introducing many changes which are in favour to them, and one of those changes is that now third party extension is limited to Ireland an UK only.
Anyway - it's still good for OP, as he needs that kind of cover for UK.

Just checked my Chartis documents and it indeed states my driving is covered 3rd party only in Republic and Northetn Ireland.

Doh!

CiniO

da_hambo wrote: »

Just checked my Chartis documents and it indeed states my driving is covered 3rd party only in Republic and Northetn Ireland.

Doh!

I think you meant "driving other cars" 3rd party cover is valid only in ROI and NI.
Because third party cover for your car, must be valid all over EU.

But anyway - you found out answer to your question - you can't drive a car in UK using your "driving other cars" extension.

antodeco

Silly (related) question, but how do people drive cars abroad on holidays? Do the rental companies provide insurance?

mathepac

Yes generally for private rentals but some corporate renters underwrite their own risks by prior arrangement with the car-hire companies.

Marcusm

Get your relation to call their UK insurer; I've extended my cover on two occasions with different companies to cover visiting Irish and Auatralian relations. On both occasions only admin charges of 25-30 no premium adjustment. Neither had their licence for even 5 years.

One Quinn, one Admiral.

CiniO

antodeco wrote: »

Silly (related) question, but how do people drive cars abroad on holidays?

If they take their own car abroad, your own Irish insurance is still valid.
If they rent a car, then rental car is already insured

Do the rental companies provide insurance?

Yes, provided it's obligatory in that country.
Additionally you might extend the cover they provide (f.e. from third party to also cover the rental car itself. Or to remove excess, etc).