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An insurance question

  • 20-04-2016 11:39am
    #1
    bonzodog2
    Registered Users, Registered Users 2 Posts: 6,285 ✭✭✭


    Two people I know share the use of a car. The policyholder ("A") is probably due to be disqualified shortly. Can they continue to insure the car in A's name just for use by the named driver "B" ?


Comments

  • #2
    [Deleted User]
    Posts: 0 ✭ [Deleted User]


    I would assume that the policy would be null and void if the main policy holder was disqualified


  • #3
    Charles Babbage
    Registered Users, Registered Users 2 Posts: 6,086 ✭✭✭Charles Babbage


    As discussed previously a person can have a car without a licence at all, so that other people can drive them around, so I do not see why this policy could not be reorganised in this way. Not sure of the economics of it though.


  • #4
    XrayGolf
    Registered Users, Registered Users 2 Posts: 96 ✭✭XrayGolf


    In short no. The main driver of the vehicle should be the person who's name the policy is in, since the disqualified driver won't be driving the car s/he should not be the policy holder.


  • #5
    KeithTS
    Registered Users, Registered Users 2 Posts: 743 ✭✭✭KeithTS


    Also, when insuring your car you have to declare any penalty points etc. which can/will affect your premium. I would imagine that once you've been disqualified your premium will go through the roof for a few years afterwards so any benefit of insuring it in their name (assuming it's because it's cheaper or there's a young driver involved) will be negated......all assumptions here so could be way wrong!


  • #6
    coylemj
    Registered Users, Registered Users 2 Posts: 25,626 ✭✭✭✭coylemj


    XrayGolf wrote: »
    In short no. The main driver of the vehicle should be the person who's name the policy is in, since the disqualified driver won't be driving the car s/he should not be the policy holder.

    +1 That is an issue right enough but the main one is that if the policyholder gets disqualified then by any yardstick that is a 'notifiable event' meaning that the insurance company needs to be told.

    Getting convicted and disqualified represents a 'material change' to the policyholder's risk profile and if the insurance company is not told about it, the policy is worthless i.e. the named driver will have a cert. to produce if he or she is stopped by the Gardai but in the event of a serious claim, the policy will be voided.

    Read your policy document and chances are that there is a section along the lines of: 'You must tell us if...'...

    Example, Axa....

    4 Changes to your policy

    You must tell us immediately about any:
    • change of car or any other vehicle you buy or take ownership of
    • convictions, prosecutions or any penalty points which apply to you or any other driver of your car
    • change in the driver’s health, address or job


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