Car insurance that I can change to commercial occasionally

tommyc123

Hi

Does anyone know where I can insure my car , but who will allow me to transfer my insurance over to my brothers 4x4 for a day or two occasionally???

I was with FBD last year and they let me swap over to a commercial for 2 days (van hire, to do a 'house move'.. cos if i was doing commercial work, they would say no.. so it's a good thing I was just using it for my own personal belongings and not transporting anyone else's goods... cough, cough, wink, wink, nudge, nudge).


That said, they made a big song and dance about it. They did eventually say it'd be okay, but they took a silly amount of persuading. If they'd let you do it on a regular basis; I don't know.. but that said, surely you'd be covered 3rd party anyway under driving other cars extension?

tommyc123

[Deleted User] wrote: »

Thanks for that.

I wonder is there anyone who does short-term insurance, and insure me for a day on the jeep?

George Dalton

You can't have 2 policies on the same vehicle at the same time so if your brother has his jeep insured already then it's a non runner regardless of private vs commercial issues.

How about getting him to add you to his policy as a named driver? Shouldn't cost a whole lot.

George Dalton

George Dalton wrote: »

You can't have 2 policies on the same vehicle at the same time so if your brother has his jeep insured already then it's a non runner regardless of private vs commercial issues.

How about getting him to add you to his policy as a named driver? Shouldn't cost a whole lot.

Well assuming the jeep has insurance on it already, then it'd be covered 3rd party by the OPs insurance.

CiniO

Deleted User wrote: »

Well assuming the jeep has insurance on it already, then it'd be covered 3rd party by the OPs insurance.

1. Never seen a policy that would stipulate that car driven under third party extension needs to have insurance policy on its own as you say in red.
2. Never seen a private car policy with third party extension allowing to drive goods vehicles (commercialls) on this extension, as you say in green.

CiniO

George Dalton wrote: »

You can't have 2 policies on the same vehicle at the same time

Logically you shouldn't but actually I don't think there is anything stopping anyone to have as many policies as they wish.
F.e. I could buy policies from 10 different insurers on my car, and I'm sure they would all accept my premiums.
All of them obviously stipulate that if there is a claims which can be covered by more than 1 policy, they will only pay their proportional share.
So if there was a claim for €1000 then each insurer would have to fork out a €100.

so if your brother has his jeep insured already then it's a non runner regardless of private vs commercial issues.

I don't think so it's a non runner.
If OP has a policy from insurer which would allow him to swap vehicles temporarily to goods vehicle, than I can see no reason for him not to go with it, even though his brother has his own policy on that vehicle.

How about getting him to add you to his policy as a named driver? Shouldn't cost a whole lot.

That's probably the simplest option, but question is if OP's brother would fancy that.

drunkmonkey

Found no problems with AXA or Fbd, couple of weeks left with aeg through chill...don't go near them if you intend on swapping insurance to something else. price was great but they were beyond useless after that. Thats chill I'll contact aeg myself for a quote just in case the problem was chill.

CiniO

CiniO wrote: »

1. Never seen a policy that would stipulate that car driven under third party extension needs to have insurance policy on its own as you say in red.
2. Never seen a private car policy with third party extension allowing to drive goods vehicles (commercialls) on this extension, as you say in green.

Any insurance I've been with have said that 3rd party driving other cars cover is only allowed if there's an insurance policy already on the vehicle you're driving. In other words; "if no one else will insure it, we won't either".


I did forget about the swap from private to commercial, though. Maybe fleet insurance would be an option. Then anyone over 25 with a full license can drive it on the owners policy.

CiniO

Deleted User wrote: »

Any insurance I've been with have said that 3rd party driving other cars cover is only allowed if there's an insurance policy already on the vehicle you're driving. In other words; "if no one else will insure it, we won't either".

So they all must have lied to you, as I don't believe there is any insurer in Ireland which would put such condition on driving other cars.

George Dalton

CiniO wrote: »

So they all must have lied to you, as I don't believe there is any insurer in Ireland which would put such condition on driving other cars.

They almost all have that stipulation.

Otherwise what happens is that Johnny insures his 1.0 Yaris in his own name and has his BMW M5 registered in his brother's name and so Johnny is insured to drive the M5 whenever he wants without paying a cent.

mfceiling

George Dalton wrote: »

They almost all have that stipulation.

Otherwise what happens is that Johnny insures his 1.0 Yaris in his own name and has his BMW M5 registered in his brother's name and so Johnny is insured to drive the M5 whenever he wants without paying a cent.

That's used to be the greatest scam in the north years ago.

18 year old would buy a micra and insure it. His mother would "buy and insure" the rwd Toyota twin cam. 18 year old would "borrow" his mum's twin cam and she would head for mass in the micra!!

Notch000

thers usually clauses on driving other cars that are a bit vague, like excluding for 4x4s, convertibles, sport and high values vehicles, best to check you own policy carefully

slimjimmc

George Dalton wrote: »

They almost all have that stipulation.

Otherwise what happens is that Johnny insures his 1.0 Yaris in his own name and has his BMW M5 registered in his brother's name and so Johnny is insured to drive the M5 whenever he wants without paying a cent.

I doubt almost all have any such stipulation at all, Allianz and AXA certainly don't. They only says that if you are covered by another policy then they will only pay a their proportion of the total claim.

As for Johnny driving around in the M5 if his insurer determines he is the main user of the M5 then they can cancel his policy and decline own damage claims.

savagethegoat

yes , they say IF the car has another policy on it, then that policy takes precedence.

daveville30

If its a jeep is it not commercially insured. Ie anyone can drive it with full license thats over 25.if not shouldn't be a big job to add you to the policy

rex-x

George Dalton wrote: »

They almost all have that stipulation.

Otherwise what happens is that Johnny insures his 1.0 Yaris in his own name and has his BMW M5 registered in his brother's name and so Johnny is insured to drive the M5 whenever he wants without paying a cent.

I have never seen or heard of such a stipulation and have been with most of the big insurers in the country, its a common misconception though.

CiniO

George Dalton wrote: »

They almost all have that stipulation.

With that statment would you be able to provide even 1 example of policy which stipulate it.
I've went through policy documents of at least 10 insurers in Ireland, and never seen such stipulation.
I don't believe there is even one in Ireland which puts such requirement, but you can prove me wrong by showing at least one.

Liam McPoyle

Driving of other cars is just that, driving other cars ie other private motor vehicles.

Private car insurance and commercial insurance are two very different things.

I guarantee that if anyone was to ring their private insurer and ask were they covered to drive a Transit for example under the DOC extension they would be told no.

challengemaster

George Dalton wrote: »

They almost all have that stipulation.

Liberty, Allianz, Axa, Aviva and AIG all don't.

orm0nd

challengemaster wrote: »

Liberty, Allianz, Axa, Aviva and AIG all don't.

LIBERTY


Driving other cars
If your certificate of insurance says so, we
will also cover you, the policyholder, for
your liability to other people while you are
driving any other private motor car which
you do not own or have not hired under a
hire-purchase or lease agreement, as long
as:
1. the vehicle is not owned by your
employer or hired to them under a
hire-purchase or lease agreement;
2. you currently hold a full European
Union (EU) licence;
3. the use of the vehicle is covered in the
certificate of insurance;
4. cover is not provided by any other
insurance;
5. you have the owner’s permission to
drive the vehicle;
6. the vehicle is in a roadworthy condition;
and
7. you still have the insured vehicle and it
has not been damaged beyond
cost-effective repair.
This extension applies while being driven
within the territorial limits and only to
private passenger vehicles. It does not
include:
• vans;
• car-vans;
• jeep-type vehicles with no seats in the
back; or
• vans adapted to carry passengers.

slimjimmc

orm0nd wrote: »

LIBERTY
4. cover is not provided by any other
insurance;

Yes, Liberty will not cover you if you are covered by another policy but that does not mean the other vehicle must have it's own policy. If the other car is uninsured then Liberty will cover you under your "driving other cars" extension on your policy. If the other car is insured then Liberty are telling you to claim from that policy not your own.

To Elland Back

slimjimmc wrote: »

If the other car is insured then Liberty are telling you to claim from that policy not your own.

The exclusion refers to the driver being insured on the other policy for the vehicle, either by being named or under that policies open drive facility. It is not enough for the vehicle to be insured.

In other words, if you are not specifically covered to drive the other vehicle on its policy, your driving of other cars extension operates

Well so far I've been with Asgard (via Chill), FBD and Campion, and to the best of my knowledge they all stipulate that their must be a policy in place on the car I want to drive with my 'driving other cars' cover.

I'm not sure where my Insurance details are (think the glovebox but who knows) but I'll try dig them out later tonight and see can I find it.

To Elland Back

Deleted User wrote: »

Well so far I've been with Asgard (via Chill), FBD and Campion, and to the best of my knowledge they all stipulate that their must be a policy in place on the car I want to drive with my 'driving other cars' cover.
.

There is a valid reason why insurers would want this to be the case (I'm not saying it is the case)

Your driving of other cars extension covers your liability to others as a result of your negligence while driving the vehicle. However, a loss can occur which has nothing to do with negligent driving, such as a defect in the vehicle causing the accident (brakes failing, lumps falling off the car and hitting someone etc)

Your insurance policy on your own vehicle covers your liability arising from the ownership and use of your vehicle. If you are driving an uninsured vehicle under DOC, who is picking up the liability for the defect causing the loss? In practical terms, your insurer will meet the claim, but technically, it is not your responsibility

tommyc123

George Dalton wrote: »

You can't have 2 policies on the same vehicle at the same time so if your brother has his jeep insured already then it's a non runner regardless of private vs commercial issues.

How about getting him to add you to his policy as a named driver? Shouldn't cost a whole lot.

Thanks for that, but he doesn't have the jeep insured

tommyc123

Business Cat wrote: »

Driving of other cars is just that, driving other cars ie other private motor vehicles.

Private car insurance and commercial insurance are two very different things.

I guarantee that if anyone was to ring their private insurer and ask were they covered to drive a Transit for example under the DOC extension they would be told no.

That seems to be the case. . . Unless anyone here knows different

To Elland Back

tommyc123 wrote: »

That seems to be the case. . . Unless anyone here knows different

It has always been driving of other CARS. However, I did come across a cert from a particular insurer last week that stated 'driving of other vehicles'. It suited my client's circumstances not to question it, so I can't tell you if it was intentional or a mistake. It was, however, perfectly valid.

tommyc123

To Elland Back wrote: »

It has always been driving of other CARS. However, I did come across a cert from a particular insurer last week that stated 'driving of other vehicles'. It suited my client's circumstances not to question it, so I can't tell you if it was intentional or a mistake. It was, however, perfectly valid.

Cool.

Any chance u can tell me who that insurer was?

9935452

To Elland Back wrote: »

It has always been driving of other CARS. However, I did come across a cert from a particular insurer last week that stated 'driving of other vehicles'. It suited my client's circumstances not to question it, so I can't tell you if it was intentional or a mistake. It was, however, perfectly valid.

I had driving of motorbikes on my car policy at one stage as well as driving of other cars.
It had to be a mistake .
When i changed my car and transferred the insurance the cert came back without driving of motorbikes.