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Giving car to wife

  • 25-01-2016 12:36pm
    #1
    Clareman
    Moderators, Sports Moderators, Regional Midwest Moderators Posts: 24,028 Mod ✭✭✭✭


    Hi all,

    I'm getting a new car this week and I'm going to give my old car to my wife and in turn I will sell her old car, I was wondering if anyone could advice the best way to do this, my thoughts are:

    Notify insurance company of change of car for both of us. Both policies are with Aviva.
    Send log book for my car with change of ownership details.
    Once her car is sold send on the log book.

    My fear with the above is her current car will be uninsured while we try to sell it.


Comments

  • #2
    Water John
    Registered Users, Registered Users 2 Posts: 21,808 ✭✭✭✭Water John


    Park up your old car until your wife sells hers. then she transfers insurance.


  • #3
    smash
    Closed Accounts Posts: 34,809 ✭✭✭✭smash


    OSI wrote: »
    No need to change the owner on the logbook of your current car to give it to her.
    Water John wrote: »
    Park up your old car until your wife sells hers. then she transfers insurance.

    Then his old car wont be insured. Catch 22


  • #4
    Clareman
    Moderators, Sports Moderators, Regional Midwest Moderators Posts: 24,028 Mod ✭✭✭✭Clareman


    She's named on my policy and vice-versa. I'm going to transfer my insurance to my new car, this will leave my car uninsured unless I transfer her insurance over to it. There's more of a chance of selling it if I get her to use my car as I'll be able to get it cleaned, 2 small kids can make a back seat a bit grubby.


  • #5
    savagethegoat
    Closed Accounts Posts: 2,297 ✭✭✭savagethegoat


    only alternative to taking out a third policy would be to sell her car before you buy your new one.


  • #6
    listermint
    Registered Users, Registered Users 2 Posts: 34,216 ✭✭✭✭listermint


    Is there an issue with Insurance ? I mean ive had a car sitting for 1 Month with no insurance before i sold it.

    Just keep it secure, people get all panicky. What did the planet ever do without insurance .....



    OP change the ownership on the logbook to herself have her transfer her insurance. Move your insurance to new car.

    Sell the car. Thieves dont suddenly appear out of nowhere hearing that youve phoned Axa


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  • #7
    Clareman
    Moderators, Sports Moderators, Regional Midwest Moderators Posts: 24,028 Mod ✭✭✭✭Clareman


    listermint wrote: »
    Is there an issue with Insurance ? I mean ive had a car sitting for 1 Month with no insurance before i sold it.

    Just keep it secure, people get all panicky. What did the planet ever do without insurance .....



    OP change the ownership on the logbook to herself have her transfer her insurance. Move your insurance to new car.

    Sell the car. Thieves dont suddenly appear out of nowhere hearing that youve phoned Axa

    I'm not worried about theft, I'm more worried about someone driving it without insurance and something happening (accident or checkpoint)


  • #8
    Water John
    Registered Users, Registered Users 2 Posts: 21,808 ✭✭✭✭Water John


    BTW having your wife named on your insurance and vice versa is a good idea. It actually lowers the premium because the insurance company adopts the idea that you trust the other person to drive your car, peculiar I know.


  • #9
    Clareman
    Moderators, Sports Moderators, Regional Midwest Moderators Posts: 24,028 Mod ✭✭✭✭Clareman


    Water John wrote: »
    BTW having your wife named on your insurance and vice versa is a good idea. It actually lowers the premium because the insurance company adopts the idea that you trust the other person to drive your car, peculiar I know.

    Yeah, always have a lady in the policy, when she only had a provisional license I had her on the policy and it led to a discount.


  • #10
    smelly sock
    Closed Accounts Posts: 6,820 ✭✭✭smelly sock


    I rang 123 this morning to enquire if changing ownership of my to car to the wife would affect my policy.

    It doesn't. They make the assumption that the car your policy is on is owned by you or your spouse.


  • #11
    slave1
    Moderators, Sports Moderators Posts: 19,471 Mod ✭✭✭✭slave1


    Water John wrote: »
    BTW having your wife named on your insurance and vice versa is a good idea. It actually lowers the premium because the insurance company adopts the idea that you trust the other person to drive your car, peculiar I know.

    The premium is lower as the risk is spread, e.g. feeling tired, there's the other half beside you and they can take over for a while, out for a few scoops, then there can be a designated driver etc.


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  • #12
    Special Circumstances
    Closed Accounts Posts: 7,569 ✭✭✭Special Circumstances


    slave1 wrote: »
    The premium is lower as the risk is spread, e.g. feeling tired, there's the other half beside you and they can take over for a while, out for a few scoops, then there can be a designated driver etc.

    This is going in my big scrapbook of insurance FACT!s.


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