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Insurance Query

  • 22-01-2014 8:44pm
    #1
    Samsgirl
    Registered Users, Registered Users 2 Posts: 3,206 ✭✭✭


    Quick question & I hope Im in the right place. I cancelled mr car insurance cos I wasn't driving the car the past few months. I have advertised it for sale & have someone looking at it in he next day or so. Can I let them test drive it without it being insured? Any advice as to what I can do? Cheers


Comments

  • #2
    Atlantic Dawn
    Registered Users, Registered Users 2 Posts: 84,761 ✭✭✭✭Atlantic Dawn
    M


    Yes they will have 3rd party cover to drive it if they have that option on their certificate, I wouldn't let anyone drive it without seeing their certificate or you could be opening yourself up to financial bankrupcy is someone was to crash it and they had no insurance.


  • #3
    coylemj
    Registered Users, Registered Users 2 Posts: 25,622 ✭✭✭✭coylemj


    Atlantic Dawn wrote: »
    Yes they will have 3rd party cover to drive it if they have that option on their certificate, I wouldn't let anyone drive it without seeing their certificate or you could be opening yourself up to financial bankrupcy is someone was to crash it and they had no insurance.

    +1 You will need to see an insurance cert, with their name on the top as the insured and under 'vehicles or class of vehicles insured' it will need to say something along the lines of 'any vehicle being driven with the owner's consent etc. etc'

    Just because they are a named driver on someone else's policy is no good, they will only be covered driving your car if they have their own policy with the clause to cover them driving other cars.

    As advised above, you will be liable as the owner if there is no cover and there is a crash involving a claim. Even without a crash or a claim, you can be prosecuted for permitting an uninsured driver to drive your car - that's two good reasons to make sure the prospective buyer has his own cover.


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