Insuring a second vehicle hobby use

Bottlescrew

I am thinking of getting a cheap 4x4 for weekend use. I do some climbing and I will use it for a bit of off road and to carry my climbing gear on crappy roads.
I have a proper car for work commuting, insured comprehensively.

Can you get a cheap 3rd party policy anywhere for this type of use? I heard of policies where you get 3rd party fire and theft and you undertake to do a low milage in the second car to get a reduced premium.

Any suggestions?

Atlantic Dawn

A better option might be if you put it in someone elses name and then drive it under the driving other cars extension on your own policy. Someone who doesn't drive might be easiest and keep the car taxed and bring your cert of insurance with you when you drive it.

Miscreant

Atlantic Dawn wrote: »

A better option might be if you put it in someone elses name and then drive it under the driving other cars extension on your own policy. Someone who doesn't drive might be easiest and keep the car taxed and bring your cert of insurance with you when you drive it.

Most "driving other cars" extensions require that the car you are driving is already insured though so a policy would have to be in effect in someone else's name first.
You could try the classic car route and get something from the mid 90s to drive. I have a 1994 car on a classic policy for €350 a year.... Mileage is limited to 5,000 miles per year but it is a summer car so if you are not planning huge mileage then that might be your best bet.

coylemj

Miscreant wrote: »

Most "driving other cars" extensions require that the car you are driving is already insured though so a policy would have to be in effect in someone else's name first.

It's not 'most', it's none. If you disagree, please quote from an Irish motor policy document which imposes this condition. This is an urban myth which gets endlessly repeated here and that's all it is, a myth.

mickdw

coylemj wrote: »

It's not 'most', it's none. If you disagree, please quote from an Irish motor policy document which imposes this condition. This is an urban myth which gets endlessly repeated here and that's all it is, a myth.

To be honest, I think this needs to move towards needing the other car insured. The young lads around my area are taking the piss with this extension. They are not insured as far as I can see.

wil

Had much the same issue, not many companies would insure 2 cars under the same named driver without charging a full premium on the second car.
Chill offered me Chartis formerly AIG. They seem to consider your NCB for the other car so give a reasonable price as named driver on 2 separate policies.

As for "driving other cars", really think there is no such thing as free insurance so both cars would need to have paid for insurance somewhere. Could be insured under relatives name etc.
I'd like to hear from someone who had tested the "other cars" with a claim.

coylemj

mickdw wrote: »

To be honest, I think this needs to move towards needing the other car insured. The young lads around my area are taking the piss with this extension. They are not insured as far as I can see.

To be covered to drive a borrowed car under the 'driving other cars' clause, you need to have a policy in your own name. I'm not sure what loophole the lads in your area are exploiting.

coylemj

wil wrote: »

I'd like to hear from someone who had tested the "other cars" with a claim.

Most companies say that they will cover you under 'driving other cars' if there is no cover under any other policy. What this means is that if I borrow my neighbour's car and have a crash, my insurance says that I first have to claim under the owner's policy (the 'open driving' clause on his policy) and only if there is no such cover will my policy pay out.

This means that in most cases you don't claim under your own policy but the safety net is there in case the car owner's policy doesn't cover you.

Bottlescrew

Thanks for all the feedback.

Looks like the classic car route is the safest legally.
Is there a specific definition of a classic car. MISCREANT mentioned 1994, but I assumed it would have to be older?

I wonder if there are any NCT issues when you go classic?

celica00

I recommend the classic insurance route as well.
Did it myself and works out perfectly!

Bottlescrew

Bottlescrew wrote: »

Thanks for all the feedback.

Looks like the classic car route is the safest legally.
Is there a specific definition of a classic car. MISCREANT mentioned 1994, but I assumed it would have to be older?

I wonder if there are any NCT issues when you go classic?

It needs to be 30 years or older to avail of classic tax (only 56 euro a year)

It needs to be older than 1983 to be exempt from the NCT but if its newer the nct will only test it at a compliance level that it would have had to meet in its day (i.e. emissions etc).

Classic insurance is up to the companies, some offer it on cars that haven't reached 30 years old which is the official definition as stated above.

JoeySully

Jayson Melodic Seismograph wrote: »

It needs to be 30 years or older to avail of classic tax (only 56 euro a year)

It needs to be older than 1983 to be exempt from the NCT but if its newer the nct will only test it at a compliance level that it would have had to meet in its day (i.e. emissions etc).

Classic insurance is up to the companies, some offer it on cars that haven't reached 30 years old which is the official definition as stated above.

where did you get the 1983 for no NCT? only cars registered prior to 1/1/1980 are exempt from NCT testing


http://www.ncts.ie/q5.html

JoeySully

JoeySully wrote: »

where did you get the 1983 for no NCT? only cars registered prior to 1/1/1980 are exempt from NCT testing


http://www.ncts.ie/q5.html

Sorry that was meant to say 1980 hit the wrong key.

Miscreant

Bottlescrew wrote: »

Thanks for all the feedback.

Looks like the classic car route is the safest legally.
Is there a specific definition of a classic car. MISCREANT mentioned 1994, but I assumed it would have to be older?

I wonder if there are any NCT issues when you go classic?

As said, the definition of a classic car for tax purposes is 30 years or older. For insurance purposes (and insurer dependant) it can be from 15 years old but usually the vehicle has to be 20 or more. Mine is a 1994 reg on a classic policy but I still pay the engine CC based motor tax.
As mentioned above, the NCT exemption is only for cars registered before 01/01/1980. I have to NCT mine yearly and it just flew through one recently.

_Brian

http://cars.donedeal.ie/vintagecars-for-sale/1977-landrover-series-3-4x4/9598323?offset=26