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Irish and UK insurance

  • 02-01-2016 10:42pm
    #1
    Timooo_23
    Registered Users, Registered Users 2 Posts: 586 ✭✭✭


    I'm having a bit of a search online at the moment for Insurance that would cover me in both Ireland and the UK, I'm looking into taking a job that will take me between Rep. Of Ireland and Wales/ England. Currently all I can find is that the insurer will cover 30 days abroad, but I'd be looking at roughly 50% of my time in each place, travelling over and back every second month. And the idea of having, taxing, insuring, maintaining and running a car in each country seems a bit OTT to me.

    Can anybody fill me in on what the best course of action would be? Would insurers offer a policy extension? Could I insure the one car in both countries? Would I be best off getting on the UK system for the car? And would having a UK car in Ireland for 6 months of the year cause problems with customs or Irish Gardaí.

    Any help would be appreciated.


Comments

  • #2
    Charles Babbage
    Registered Users, Registered Users 2 Posts: 6,085 ✭✭✭Charles Babbage


    If you wanted a UK car you'd have to get permission from the Revenue. I'm sure one of the bigger companies cab quote for the extension.


  • #3
    Marcusm
    Registered Users, Registered Users 2 Posts: 10,627 ✭✭✭✭Marcusm


    Work out where your "normal residence" is as that will be where you can most easily own, tax and insure s car. Then limit your search to insurers which include both UK and Ireland in the description of "territorial limitations". In usual policy speak this is where you get full coverage under your policy. There was a thread maybe a year ago where some boardsie, very possibly CiniO, checked a lot of policy documentation.

    If you insure on this basis then, provided your home is genuinely your home, you need not worry about any time restrictions.


  • #4
    cerastes
    Closed Accounts Posts: 3,601 ✭✭✭cerastes


    I thought there was a legal requirement to have full cover equivalent to your national insurance when driving your car in any other EU nation and that as such any conditions specifying duration were inaccurate, (Id still check my policy) it may be worth looking into that as then the question becomes defunct.


  • #5
    Del2005
    Registered Users, Registered Users 2 Posts: 19,100 ✭✭✭✭Del2005


    cerastes wrote: »
    I thought there was a legal requirement to have full cover equivalent to your national insurance when driving your car in any other EU nation and that as such any conditions specifying duration were inaccurate, (Id still check my policy) it may be worth looking into that as then the question becomes defunct.

    You have 3rd party cover in the EU for the whole of your policy, fully comp or fire and theft are at the insurers discretion.

    Haven't really read my policy documents but IIRC the 30 day limit is for a single trip so coming back should reset the clock, or else people living by the boarder would have no insurance after they had their policy for a month.


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