Insurance quote refused due to time car off the road

KwackerJack

I called up an insurance company yesterday looking to get a quote for my GF on her new car, which use to be her dads.

They have refused to quote her because the car was off the road longer than 3 months without being declared off the road and not insured. The car is taxed and has a valid NCT cert so I did not think it needed to be declared off the road as the tax was and still is valid.

The lady asked who’s name the car was in, I advised it was still in her father’s name and it would be changed over as soon as she was happy to proceed with a quote. The lady then advised that if my GF puts the car into her name that it would be classed as new ownership and the quote could be given.

Is this correct? What difference does it make to the car when the ownership has changed in regards to being odd the road?

Is it just me or is this a silly rule?

Alanstrainor

Call again and say you are buying the car. There is no difference in this situation. The person you were speaking to sounds like a thick tbh.

Cee-Jay-Cee

Yes as legally you cannot insure a car that does not belong to you. Get the car in her name and ring back for a quote but in the meantime get some online quotes using the car details as it'll give you a good indication on cost and generally there is a discount for taking out insurance online rather than over the phone.

grogi

Cee-Jay-Cee wrote: »

Yes as legally you cannot insure a car that does not belong to you.

There is absolutely no legal regulation to prevent that, it is just our insurance cartel...

3rd party liability insurance does not insure a car. It insures the driver to drive a car and covers the losses the driver does to third parties. The driver has a hell of insurable interest in insuring her/himself against such loses, especially in the whiplash culture here.

It's a different story for CASCO insurance, where you insure the vehicle alone. Surprise - those are not sold separately in Ireland, you can only get them as part of Comprehensive package.

emeldc

I came across this last year. Bought car for son 1st june, insured 1st of july as he was only getting lessons at the time. It almost didn't happen as the car sat in the driveway uninsured for a month. When they asked why he hadn't insured it from june, I simply told them that he couldn't fuggin' drive, why would he . I'd be interested to hear if any could explain it as I couldn't get a straight answer from the insurance co.

Edit: Just to clarify, the car was bought in my sons name, not mine. It was the gap month that was the issue.

KwackerJack

I have gotten a few more quotes but I'm with X company and wanted to keep the business there but they don't seem to want it!

I will get my GF to put the car into her name but it's still bloody has hassel. Here she is trying to get her car fully road legal and she can't!

KwackerJack

Cee-Jay-Cee wrote: »

Yes as legally you cannot insure a car that does not belong to you. Get the car in her name and ring back for a quote but in the meantime get some online quotes using the car details as it'll give you a good indication on cost and generally there is a discount for taking out insurance online rather than over the phone.

I've often wondered that. What difference does it make? The car is in X name and insured in Y name but its registered and insured and I'm sorry if a guard stops the car he would see its road legal etc

Kimbot

KwackerJack wrote: »

I have gotten a few more quotes but I'm with X company and wanted to keep the business there but they don't seem to want it!

I will get my GF to put the car into her name but it's still bloody has hassel. Here she is trying to get her car fully road legal and she can't!

Ring back and say the form is on the way to shannon as you just bought the car, they will give a quote then.

grogi

jonnycivic wrote: »

Ring back and say the form is on the way to shannon as you just bought the car, they will give a quote then.

Are you seriously advising blunt lie to the insurance company?

Mycroft H

grogi wrote: »

Are you seriously advising blunt lie to the insurance company?

To get a quote, yes. They can be a bit thick sometimes

Carawaystick

Cee-Jay-Cee wrote: »

Yes as legally you cannot insure a car that does not belong to you.

All those cars on HP are uninsured then :rolleyes:

Riskymove

KwackerJack wrote: »

The lady then advised that if my GF puts the car into her name that it would be classed as new ownership and the quote could be given.

it's a bit odd, I have gotten quotes just based on theoretical cars

(i.e. I am thinking of buying this kind of car, what's the likely quote?)

emeldc

Carawaystick wrote: »

All those cars on HP are uninsured then :rolleyes:

He's right though. How would it work if I insured your car fully comp and then the car goes on fire. Who would the insurance co pay? You or me?

savagethegoat

emeldc wrote: »

He's right though. How would it work if I insured your car fully comp and then the car goes on fire. Who would the insurance co pay? You or me?

you have to have an insurable interest in a car to insure it if you don't own it. This you have with a car in HP as you are responsible to pay for it even if it burns.

grogi

savagethegoat wrote: »

you have to have an insurable interest in a car to insure it if you don't own it. This you have with a car in HP as you are responsible to pay for it even if it burns.

For comprehensive part it is true. Does not apply for TPL - because if the car only is damaged, nobody sees a penny anyway...

delta_bravo

emeldc wrote: »

I came across this last year. Bought car for son 1st june, insured 1st of july as he was only getting lessons at the time. It almost didn't happen as the car sat in the driveway uninsured for a month. When they asked why he hadn't insured it from june, I simply told them that he couldn't fuggin' drive, why would he . I'd be interested to hear if any could explain it as I couldn't get a straight answer from the insurance co.

Edit: Just to clarify, the car was bought in my sons name, not mine. It was the gap month that was the issue.

I previously worked in insurance and gaps in cover were big red flags as there is a chance (not talking about you specifically) that the person is lying and they have just been driving uninsured for the past month and now are deciding to get insurance because they've had a crash and/or been stopped by the gards to produce insurance. It's often more hassle than the actual premium is worth.

KwackerJack

Riskymove wrote: »

it's a bit odd, I have gotten quotes just based on theoretical cars

(i.e. I am thinking of buying this kind of car, what's the likely quote?)

I actually never thought of that!!

emeldc

delta_bravo wrote: »

I previously worked in insurance and gaps in cover were big red flags as there is a chance (not talking about you specifically) that the person is lying and they have just been driving uninsured for the past month and now are deciding to get insurance because they've had a crash and/or been stopped by the gards to produce insurance. It's often more hassle than the actual premium is worth.

How could any insurance company be possibly held liable for any incident prior to the time and date clearly stated on the policy. Never mind the song and dance they make about recording your every word and reading out the T&C's for 20 mins while you put the phone down and make a cup of tea.

delta_bravo

emeldc wrote: »

How could any insurance company be possibly held liable for any incident prior to the time and date clearly stated on the policy. Never mind the song and dance they make about recording your every word and reading out the T&C's for 20 mins while you put the phone down and make a cup of tea.

It's not a question of being liable. It's that the person would be a bad risk for the future and one the company would rather avoid.

emeldc

delta_bravo wrote: »

It's not a question of being liable. It's that the person would be a bad risk for the future and one the company would rather avoid.

That's completely different to what you said in your last post. I'm not buying either TBH.

Skatedude

delta_bravo wrote: »

I previously worked in insurance and gaps in cover were big red flags as there is a chance (not talking about you specifically) that the person is lying and they have just been driving uninsured for the past month and now are deciding to get insurance because they've had a crash and/or been stopped by the gards to produce insurance. It's often more hassle than the actual premium is worth.

But that applies to every car bought from a dealer on the planet?