Advertisement
If you have a new account but are having problems posting or verifying your account, please email us on hello@boards.ie for help. Thanks :)
Hello all! Please ensure that you are posting a new thread or question in the appropriate forum. The Feedback forum is overwhelmed with questions that are having to be moved elsewhere. If you need help to verify your account contact hello@boards.ie
Please note that it is not permitted to have referral links posted in your signature. Keep these links contained in the appropriate forum. Thank you.

https://www.boards.ie/discussion/2055940817/signature-rules
Hi there,
There is an issue with role permissions that is being worked on at the moment.
If you are having trouble with access or permissions on regional forums please post here to get access: https://www.boards.ie/discussion/2058365403/you-do-not-have-permission-for-that#latest

Car insurance cover

  • 12-04-2014 11:37pm
    #1
    lilsparkle69
    Registered Users, Registered Users 2 Posts: 116 ✭✭


    My policy says I can drive other cars apart from my own, but does it cover if a car has no tax and is not insured? Thanks


Comments

  • #2
    CiniO
    Registered Users, Registered Users 2 Posts: 16,069 ✭✭✭✭CiniO


    lilsparkle69 wrote: »
    My policy says I can drive other cars apart from my own, but does it cover if a car has no tax and is not insured? Thanks

    If your policy says you can drive it, it should also say if it needs to be taxed or insured.

    What insurer are you with?


  • #3
    Del2005
    Registered Users, Registered Users 2 Posts: 19,101 ✭✭✭✭Del2005


    lilsparkle69 wrote: »
    My policy says I can drive other cars apart from my own, but does it cover if a car has no tax and is not insured? Thanks

    Depends on the exact wording in your policy documents, some require the vehicle is insured others don't. But you still can't drive it as there's no tax, you need both to be legal.


  • #4
    lilsparkle69
    Registered Users, Registered Users 2 Posts: 116 ✭✭lilsparkle69


    Im with Liberty insurance. Im helping out a friend as he is buying a car to learn to drive and can't drive it home.


  • #5
    djimi
    Registered Users, Registered Users 2 Posts: 13,237 ✭✭✭✭djimi


    lilsparkle69 wrote: »
    Im with Liberty insurance. Im helping out a friend as he is buying a car to learn to drive and can't drive it home.

    He needs to check his policy. FWIW Im with Liberty and Im 99% sure that the other car doesnt need to be insured (this might not be the same in every policy though), but the car must be road legal, meaning tax and NCT.


  • #6
    lilsparkle69
    Registered Users, Registered Users 2 Posts: 116 ✭✭lilsparkle69


    Yeah my policy says it doesn't need to be insured. It has NCT so I guess he can try to tax it asap when he buys it.

    Thanks :)


  • Advertisement
  • #7
    djimi
    Registered Users, Registered Users 2 Posts: 13,237 ✭✭✭✭djimi


    lilsparkle69 wrote: »
    Yeah my policy says it doesn't need to be insured. It has NCT so I guess he can try to tax it asap when he buys it.

    Thanks :)

    It might be easier to get the seller to tax it before he buys it; at least that way you know its done and you dont have to wait to get the paperwork back.


  • #8
    lilsparkle69
    Registered Users, Registered Users 2 Posts: 116 ✭✭lilsparkle69


    I doubt the seller would, as she recently bought a new car. I assume her insurance has passed on to the new car so she can't get tax for the old one.


  • #9
    slimjimmc
    Registered Users, Registered Users 2 Posts: 7,786 ✭✭✭slimjimmc


    lilsparkle69 wrote: »
    Yeah my policy says it doesn't need to be insured. It has NCT so I guess he can try to tax it asap when he buys it.

    Thanks :)
    Why doesn't he just insure it himself? He'll need it if he's going to drive it in a public place anyway. He can have the policy become active at a prearranged time which coincides with him taking legal ownership. You don't need tax to insure the car (but you still need it to drive legally). If he's thinking of putting his car on his parents insurance beware that insurers are wise to this old trick.


Advertisement