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Postal Strike - Vehilcle Registration/Insurance

  • 05-10-2015 12:31pm
    #1
    Mark 00
    Registered Users, Registered Users 2 Posts: 124 ✭✭


    Hi,

    I've agreed to buy a used car privately and have a question regarding the registration. First off, as I don't have any current insurance, I won't be insured to drive it until I activate a policy for this car.

    Because of the postal strike I'm not sure how long it's going to take to have the car ownership transferred. Can I go ahead and insure it now technically before I actually own the car? And if this was possible if I had an accident between now and when the ownership changed to my name, could I potentially void my insurance because I wasn't the registered owner at the time?


Comments

  • #2
    acronym Chilli
    Registered Users, Registered Users 2 Posts: 527 ✭✭✭acronym Chilli


    My understanding is you own the car from the time you and the seller complete the transfer of ownership form. You need to call the insurance company latest at that moment, or more usually ahead of that time, to advise them.

    The best thing is to call the insurance company now. Tell them you're planning to buy the car on whatever date it is, and they'll probably (if its same as my experience) insure you from that morning on the new car. Note, the insurance only becomes effective at the time you buy the car (it's not possible for you to insure someone else's car). Whatever you discuss with the insurance company is recorded, and can be replayed later on and it'll form part of your insurance agreement. If it falls through, you can go back to the insurance company latest on the day you were supposed to buy and tell them the sale never happened (check that process with the company though, I've not had to do that myself).

    By all means take a copy/photo of the registration document once you and seller have completed it. It's normally the seller's job to send it off. If you bring a stamped addressed envelope, there's no reason not to send it when the sale concludes.

    What could be delayed in the event of a postal strike resumption is getting the car taxed, and you could end up paying arrears. But that won't keep you off the road and if the strike is back on you can probably at least try to explain it to any Garda that stops you.


  • #3
    Atlantic Dawn
    Registered Users, Registered Users 2 Posts: 84,761 ✭✭✭✭Atlantic Dawn
    M


    Strike is over.

    http://www.rte.ie/news/2015/1005/732430-an-post-dispute/


  • #4
    Mark 00
    Registered Users, Registered Users 2 Posts: 124 ✭✭Mark 00


    @acronym Chilli

    Thanks for the advice. I called the insurance company and explained the situation and they confirmed that I couldn't insure it until the registartion came through. The change of ownership cert was posted this morning so hopefully will have it registered by the end of the week.

    Nothing more frustrating than buying a car and not being able to drive it!


  • #5
    acronym Chilli
    Registered Users, Registered Users 2 Posts: 527 ✭✭✭acronym Chilli


    Mark 00 wrote: »
    @acronym Chilli

    Thanks for the advice. I called the insurance company and explained the situation and they confirmed that I couldn't insure it until the registartion came through. The change of ownership cert was posted this morning so hopefully will have it registered by the end of the week.

    Nothing more frustrating than buying a car and not being able to drive it!
    Frustrating alright.
    Basically, whatever the insurance tell you is the last word, whatever other advice you might get. And always keep good notes from phone calls (what you say, what they say) as they'll have recordings and treat the phone call as if it was a written document.


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