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Insurance / Out of date license

  • 20-11-2012 12:05PM
    #1
    Pj!
    Closed Accounts Posts: 3,783 ✭✭✭


    Can someone tell me what would happen here (if anything).

    Insurance up. Got a quote and purchased.
    When photocopying learners permit to send to insurance company realised it was out of date. This was about a week after the cover had started.
    He has 25 days to provide the license and other information (no claims etc.) to the insurance company.
    He will be able to renew the license in that time and provide it to the insurance company but will they realise that he had no valid license when the cover was set up? And will they do anything about it?
    Or is it the case that they'll have no idea when the last licence expired?


    He realises that he won't be covered with no license, etc.
    Ta


Comments

  • #2
    corktina
    Closed Accounts Posts: 17,733 ✭✭✭✭corktina


    no valid permit = no insurance.
    I assume he is staying off the road until it is renewed


  • #3
    Pj!
    Closed Accounts Posts: 3,783 ✭✭✭Pj!


    Pj! wrote: »


    He realises that he won't be covered with no license, etc.
    corktina wrote: »
    no valid permit = no insurance.
    I assume he is staying off the road until it is renewed

    Thanks for your input corktina


  • #4
    djimi
    Registered Users, Registered Users 2 Posts: 13,237 ✭✭✭✭djimi


    Your best (and only) bet is to contact the insurance company and ask them. My gut feeling is that they will say nothing until a claim is made and then you will have problems, so its best to clarify now.


  • #5
    mickdw
    Registered Users, Registered Users 2 Posts: 23,812 ✭✭✭✭mickdw


    djimi wrote: »
    Your best (and only) bet is to contact the insurance company and ask them. My gut feeling is that they will say nothing until a claim is made and then you will have problems, so its best to clarify now.
    With a full licence, once you have had a licence and are not banned, you are covered by insurance.
    With a learner permit, I suspect this would not be the case. Best to call them and tell them that permit is out and is being renewed.


  • #6
    Our man in Havana
    Closed Accounts Posts: 29,472 ✭✭✭✭Our man in Havana


    Usual scaremongering rubbish as usual.

    Insurance remains valid so long as a person has held a licence and is not banned from getting a licence.


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  • #7
    coylemj
    Registered Users, Registered Users 2 Posts: 25,722 ✭✭✭✭coylemj


    Our man in Havana wrote: »
    Usual scaremongering rubbish as usual.

    Insurance remains valid so long as a person has held a licence and is not banned from getting a licence.

    +1 motor insurance does not lapse when your driving licence/learner permit expires.

    As stated above, the only thing that matters is that held a licence at some stage and you are not banned. You also need to have disclosed all material information to the insurance company - which includes being truthful about where you live and your occupation.


  • #8
    langdang
    Closed Accounts Posts: 3,857 ✭✭✭langdang


    Our man in Havana wrote: »
    Usual scaremongering rubbish as usual.

    Insurance remains valid so long as a person has held a licence and is not banned from getting a licence.
    I thanked your post, then re-read the thread - he hasn't held a licence, he's only had leaner permits so I'm not sure if the "covered unless disqualified" thing is correct in this case.


  • #9
    Our man in Havana
    Closed Accounts Posts: 29,472 ✭✭✭✭Our man in Havana


    It is. It is just nit picking by certain posters.


  • #10
    Pj!
    Closed Accounts Posts: 3,783 ✭✭✭Pj!


    Our man in Havana wrote: »
    It is just nit picking by certain posters.
    Had expected it.

    He's going to send a copy of the new one when he gets it in a couple of days.

    Ta all.


  • #11
    djimi
    Registered Users, Registered Users 2 Posts: 13,237 ✭✭✭✭djimi


    Our man in Havana wrote: »
    Usual scaremongering rubbish as usual.

    Insurance remains valid so long as a person has held a licence and is not banned from getting a licence.

    A learners permit is not a license.

    The OP did not hold a valid licenese/permit at the time of taking out the policy (Im almost certain that is one of the questions asked when taking out a policy). Im sure that it might not amount to anything if it came to it, but knowing how insurance companies tend to be why would you take a chance that they might turn around and say that you disclosed false information to them at the time of taking out the policy?


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  • #12
    Our man in Havana
    Closed Accounts Posts: 29,472 ✭✭✭✭Our man in Havana


    Ah jaysys.

    I have asked many a guard about this. They are adamant that you remain covered.

    If a learner permit is not licence, why are insurance companies issuing certs to holders of such documents if they are not a licence? It says on every insurance cert "Provided the person holds a licence....." No mention on learner permits at all.

    By your reasoning no one with a learner permit is covered to drive at all.


  • #13
    djimi
    Registered Users, Registered Users 2 Posts: 13,237 ✭✭✭✭djimi


    Our man in Havana wrote: »
    Ah jaysys.

    I have asked many a guard about this. They are adamant that you remain covered.

    Gardai work in the insurance industry now do they?

    This is not the same as a license expiring while a policy is in effect. The OP did not have a valid license at the time the policy was taken out. Im not saying that it definately would have amounted to anything should the situation arise, but at the same time I would not be leaving it to chance; its a pretty big out you are offering the insurer should they choose to get sticky about paying out on a policy.


  • #14
    Our man in Havana
    Closed Accounts Posts: 29,472 ✭✭✭✭Our man in Havana


    I give up.


  • #15
    djimi
    Registered Users, Registered Users 2 Posts: 13,237 ✭✭✭✭djimi


    Probably for the best...


  • #16
    Our man in Havana
    Closed Accounts Posts: 29,472 ✭✭✭✭Our man in Havana


    You could try answering what I posted. F5 would help.


  • #17
    djimi
    Registered Users, Registered Users 2 Posts: 13,237 ✭✭✭✭djimi


    You could try responding to what I posted, which was in response to your intial very condescending remark.

    The learner permit thing probably isnt relevant; tbh I dont know why I bothered to pick up on that comment. The rest of it is very relevant I feel.


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