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Off Road & Motor Insurance

  • 09-09-2015 10:55am
    #1
    Happy Monday
    Registered Users, Registered Users 2 Posts: 1,216 ✭✭✭


    I have not been using my car over the last 12 months.
    But as I didn't declare it off road I plan to transfer the car to a friend and have it transferred back to avoid back motor tax.
    I will then declare it off road in the normal way.
    If and when I bring it back on to the road I will insure and tax it.
    Does this transfer to and from another affect the insurance in any way?
    All answers greatly appreciated. :)


Comments

  • #2
    Henry Ford III
    Moderators, Business & Finance Moderators Posts: 17,858 Mod ✭✭✭✭Henry Ford III


    Wouldn't think so. Your NCB will expire after 2 years though.


  • #3
    Happy Monday
    Registered Users, Registered Users 2 Posts: 1,216 ✭✭✭Happy Monday


    Henry Ford III wrote: »
    Wouldn't think so. Your NCB will expire after 2 years though.

    Yes - no claims bonus will expire after 2 years which would be June 2016.
    But the rate of insurance wouldn't be affected by transferring the car to and from a third party I am hoping. :)


  • #4
    Henry Ford III
    Moderators, Business & Finance Moderators Posts: 17,858 Mod ✭✭✭✭Henry Ford III


    Happy Monday wrote: »
    Yes - no claims bonus will expire after 2 years which would be June 2016.
    But the rate of insurance wouldn't be affected by transferring the car to and from a third party I am hoping. :)

    If it's a quick transfer of ownership and then back again no it won't, although technically you can't insure a car you don't own.


  • #5
    Happy Monday
    Registered Users, Registered Users 2 Posts: 1,216 ✭✭✭Happy Monday


    Henry Ford III wrote: »
    If it's a quick transfer of ownership and then back again no it won't, although technically you can't insure a car you don't own.

    It wouldn't be insured until I get it back after the transfer.
    I would declare it off road following transfer back to me and then insure, tax, service and NCT it all before June 2016.
    Many thanks for your help Henry!


  • #6
    cplwhisper
    Registered Users, Registered Users 2 Posts: 797 ✭✭✭cplwhisper


    Happy Monday wrote: »
    It wouldn't be insured until I get it back after the transfer.
    I would declare it off road following transfer back to me and then insure, tax, service and NCT it all before June 2016.
    Many thanks for your help Henry!

    If u return to the last insurer you were with and can't show the SORN then they won't take u back... Changing vlc will sort tax issue but not insurance loop


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  • #7
    CiniO
    Registered Users, Registered Users 2 Posts: 16,069 ✭✭✭✭CiniO


    cplwhisper wrote: »
    If u return to the last insurer you were with and can't show the SORN then they won't take u back... Changing vlc will sort tax issue but not insurance loop

    What kind of interest they (insurer) have in off road declaration?


  • #8
    Special Circumstances
    Closed Accounts Posts: 7,569 ✭✭✭Special Circumstances


    CiniO wrote: »
    What kind of interest they (insurer) have in off road declaration?

    Ah here, there's a loading for people who can't provide written proof from a priest that they stay in every Friday watching the late late. Not getting enough fibre? Getting too much fibre? That's a loading.


  • #9
    Happy Monday
    Registered Users, Registered Users 2 Posts: 1,216 ✭✭✭Happy Monday


    cplwhisper wrote: »
    If u return to the last insurer you were with and can't show the SORN then they won't take u back... Changing vlc will sort tax issue but not insurance loop

    SORN - Statutory Off Road Declaration
    VLC - Vehicle Licensing Certificate

    Please explain - do you mean the insurance company would need require evidence of the car being off the road over this last year when I have not used it but not got a SORN.


  • #10
    Happy Monday
    Registered Users, Registered Users 2 Posts: 1,216 ✭✭✭Happy Monday


    cplwhisper wrote: »
    If u return to the last insurer you were with and can't show the SORN then they won't take u back... Changing vlc will sort tax issue but not insurance loop

    Called Allianz and this is just not true.
    They need to know if you are the current registered owner.
    They are also interested in whether you qualify for a claims bonus.
    So there is no insurance loop as indicated above. :)


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