Insurance on other car

sheesh

Hi all
My mother has a car she can no longer drive it due to her eyesight.
I drive her where she needs to go in it. recently under an open drive policy

Problem: the car itself is not insured If it was stolen, set on fire, or otherwise damaged what happens? 08 merc b150.

how do I insure a car owned by one person but driven by another?

challengemaster

Transfer ownership

CiniO

sheesh wrote: »

Hi all
My mother has a car she can no longer drive it due to her eyesight.
I drive her where she needs to go in it. recently under an open drive policy

Problem: the car itself is not insured If it was stolen, set on fire, or otherwise damaged what happens? 08 merc b150.

how do I insure a car owned by one person but driven by another?

You can't in this country.
Unless your mothers insurer is going to make an exception, but that would surely cost way extra.

daheff

Can you not be a 'named driver' ? Similar fashion to husband/wife/kids ?

CiniO

daheff wrote: »

Can you not be a 'named driver' ? Similar fashion to husband/wife/kids ?

I his mother doesn't drive due to her eyesight, then most likely she is disqualified from holding a licence. And you can't purchase insurance policy for your car here, if you don't have a licence.

challengemaster

daheff wrote: »

Can you not be a 'named driver' ? Similar fashion to husband/wife/kids ?

No, because the OPs mother can no longer hold a valid driving licence - hence can no longer insure the vehicle.

To Elland Back

sheesh wrote: »

Hi all
I drive her where she needs to go in it. recently under an open drive policy

I trust you mean you have 'driving of other cars' as open driving is a totally different thing

sheesh

daheff wrote: »

Can you not be a 'named driver' ? Similar fashion to husband/wife/kids ?

pretty much as said below

CiniO wrote: »

I his mother doesn't drive due to her eyesight, then most likely she is disqualified from holding a licence. And you can't purchase insurance policy for your car here, if you don't have a licence.

challengemaster wrote: »

No, because the OPs mother can no longer hold a valid driving licence - hence can no longer insure the vehicle.

thanks guys it is, as I imagined, one of those special cases not covered by usual insurance policies.

I just needed to check that I was not missing something blindingly obvious.

Any body else have any thoughts? (theres a thank in it for you )

sheesh

To Elland Back wrote: »

I trust you mean you have 'driving of other cars' as open driving is a totally different thing

I am a named driver under her policy

Homer

Can anybody clarify the "you can't insure a car you don't own" scenario? Mrs Homer is insured on a car she doesn't own and its provided through a deal with work. Not a company car per se as the garage maintains ownership of the car? Broker just asked for details of the car but ownership was never queried?

coylemj

Homer wrote: »

Can anybody clarify the "you can't insure a car you don't own" scenario?

There is no legal impediment to being insured as the primary driver on a car you don't own, it clearly happens every day of the week with company and rental cars. However it would be standard practice that the actual owner be named on the policy as they are the people who would claim for damage - the driver would only be concerned about third party cover to satisfy the legal requirement to be insured.

It's the practice with insurance companies (in this country anyway) to insist that in the case of regular domestic situations that 'the insured' (the person who takes out the policy) is the owner of the vehicle. Otherwise you're into all sorts of grey areas and this situation would be abused by young lads buying powerful cars and getting the Mammy to take out a policy on it. Which happens anyway but officially it's not supposed to happen.

sheesh

daheff wrote: »

Can you not be a 'named driver' ? Similar fashion to husband/wife/kids ?

That is what I have been doing for the last year. she would need to have an insurance policy she cannot get one as her licence cannot be renewed

daheff

sheesh wrote: »

That is what I have been doing for the last year. she would need to have an insurance policy she cannot get one as her licence cannot be renewed

Ok..i didn't realise this.

If the usage of the car is very small, then maybe its cheaper to hire a taxi when required?


Otherwise as others suggest get the car transferred to your name.

sheesh

OP here

just to report back on this,
transferring the ownership is what seems to be the most available solution I'm sure if I had gone to an insurance broker and asked for a quote for the 2 cars I might have got a deal But I didn't.

Also as my no claims bonus is used on my own car it cannot be used on the second car (which sounds like bS) so nearly €700 is the end result.

plan on selling my car during the year and getting a classic 4wd

mgbgt1978

If you already have a car (as you stated) and your mother is unable to drive.....why are you asking if/how you can drive her car ?
Why can't you just bring her to wherever she needs to go in your car ?

Why pay for the upkeep of two cars when only one of you can drive ?