Driving in the UK question.

Damokc · 14-06-2015 10:32pm #1

Do I need to inform my car insurer that i'm going to the UK on hoilday? Will I be charged for driving outside of Ireland?:o

josip · 14-06-2015 10:38pm

Most insurers don't require you to notify them to avail of your same level of cover in the UK as here, for Europe you usually do need to. Still, no harm to inform them, but watch out for any mods such as a roof box or hitch that may invalidate your cover.

vertmann · 14-06-2015 10:40pm

I let them know just to be on the safe side. No extra charge

Damokc · 14-06-2015 10:44pm

cheers guys.I'll give em a buzz tomorrow then.

marco_polo · 14-06-2015 10:47pm

Under EU law they must cover you to third party anywhere within the EU without informing them.

After that check the fine print it depends on the insurer but most would seem in my limited experience to do fully comp for 90 days or so in the uk without charging extra (This would be outside of any legal obligtions so your insurer may have a requirement to be informed in such scenarios)

CiniO · 14-06-2015 11:12pm

Most insurers in Ireland (and I looked through policies of most insurers) provide full cover in the UK for the whole period of the policy, and full cover on the Continent for anything between 30-90 days (with FBD being exception and providing full cover on the Continent for the whole period of policy).
If you are within that period you usually don't need to inform them or pay extra.

Which insurer are you with?

14-06-2015 11:20pm

CiniO wrote: »

Most insurers in Ireland (and I looked through policies of most insurers) provide full cover in the UK for the whole period of the policy

I looked into this last year and maximum cover for UK driving was 90 days, what insurers cover the whole period?

CiniO · 14-06-2015 11:37pm

316 wrote: »

I looked into this last year and maximum cover for UK driving was 90 days, what insurers cover the whole period?

For quick - Aviva, Allianz, Libery, FBD.
Surely plenty more.

coylemj · 14-06-2015 11:41pm

Damokc wrote: »

Do I need to inform my car insurer that i'm going to the UK on hoilday? Will I be charged for driving outside of Ireland?:o

No and No. Whatever cover you have will almost certainly apply when driving in the island of Ireland, GB, the Isle of Man and the Channel Islands. This has been the case for years.

But if you have to ask the question, I suggest you download the policy document from your insurance company and read it, you'll get the answer there.

Damokc · 15-06-2015 10:03am

Thanks a million for all the replies. I'm with Aviva by the way. Now to prepare for the 1780km round trip&#55357;&#56876;

josip · 15-06-2015 10:07am

One tank should do you.

coylemj · 15-06-2015 10:45am

Damokc wrote: »

Thanks a million for all the replies. I'm with Aviva by the way. Now to prepare for the 1780km round trip��

Aviva motor policy document (P.7) :

Geographical limits

We will provide insurance as set out in this policy for events which may happen in the Republic of Ireland, Northern Ireland, Great Britain, the Isle of Man or the Channel Islands during any period of insurance.

http://www.aviva.ie/online/media-library/carpolicy09.pdf

Damokc · 15-06-2015 11:03am

josip wrote: »

One tank should do you.

I'll be just doing the 5....in a Vectra!

dogs321 · 15-06-2015 11:06am

316 wrote: »

I looked into this last year and maximum cover for UK driving was 90 days, what insurers cover the whole period?

this is correct...
Ive done the opposite....
But when speaking to Irish Insures the answer was the same

coylemj · 15-06-2015 12:03pm

316 wrote: »

I looked into this last year and maximum cover for UK driving was 90 days, what insurers cover the whole period?

dogs321 wrote: »

this is correct...
Ive done the opposite....

It might be correct for one company (whoever 316 is insured with) but it is not the norm - most Irish motor insurance policies companies cover you for the UK and Ireland. If there is a time limit, it applies to driving in mainland Europe, not to the UK.

Axa, Aviva, Liberty, RSA and Zurich all state that the policy applies to driving in Ireland, GB, the Isle of Man and the Channel Islands and there is no stated restriction on how many days you can drive in the UK. Some of them mention 60 or 91 days cover in Europe each year, some of them don't mention Europe at all so you'd have to phone and arrange cover.

dogs321 wrote: »

But when speaking to Irish Insures the answer was the same

Which Irish insurance companies did you ask?

Driving in the UK question.

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