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Are you covered by 3rd party abroad for the duration of cover?

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  • 13-05-2016 1:03pm
    #1
    spuriosity
    Registered Users Posts: 16 ✭


    Extended driving provided by most insurance companies is ~31 days.

    I've been reading though that they are legally required to provide 3rd party cover throughout the EU for the duration of your cover. Is this true?
    Tagged:


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


    I believe it is true


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    #3
    Liam McPoyle
    Closed Accounts Posts: 14,846 ✭✭✭✭Liam McPoyle


    spuriosity wrote: »
    Extended driving provided by most insurance companies is ~31 days.

    I've been reading though that they are legally required to provide 3rd party cover throughout the EU for the duration of your cover. Is this true?

    They are obliged to provide the minimum level of cover required to legally drive in the country visited.


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    #4
    mgbgt1978
    Registered Users Posts: 4,230 ✭✭✭mgbgt1978


    ...which is 3rd Party practically all over the EU.
    The 31 days mentioned would normally indicate how long they will provide the full cover as stated in your policy.


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    #5
    greengone
    Banned (with Prison Access) Posts: 34 ✭greengone


    The 31 days to my knowlege is only for comprehnsive part of the insurance .
    Theft is interesting case if you spent three months parked in some muslim ghetto region of Europe like Brussels where non muslim car owners are easy picking in that police no go war zone cant expect them to pay out

    However EU rules best I can see are open ended some one year is my guess but nothing to stop insurance company to say 31 days but EU rules would wipe that out best i can tell

    Thats why best i can see some Irish companies ssay third party no time limit for Eu travel


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    #6
    savagethegoat
    Closed Accounts Posts: 2,297 ✭✭✭savagethegoat


    greengone wrote: »
    The 31 days to my knowlege is only for comprehnsive part of the insurance .
    Theft is interesting case if you spent three months parked in some muslim ghetto region of Europe like Brussels where non muslim car owners are easy picking in that police no go war zone cant expect them to pay out

    However EU rules best I can see are open ended some one year is my guess but nothing to stop insurance company to say 31 days but EU rules would wipe that out best i can tell

    Thats why best i can see some Irish companies ssay third party no time limit for Eu travel

    it's also for the F&T bit if you have TPF&T.... in other words you have the bare minimum cover to make it legal, woe betide you if you have a problem.

    I don't condone the Muslim bit....


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    #7
    CiniO
    Registered Users Posts: 16,088 ✭✭✭✭CiniO


    I was told on this forum beforehand, that if car spends too much time abroad, then Irish insurer might try to get away from paying a claim based on fact that car is not parked in place where it was declared it is parked (address in Ireland).
    It's obvious that if you inform you Irish insurance that you normally keep your car abroad, they are going to cancel policy straight away.

    I don't really believe it is true though, and I still believe they would have to pay out in case of a claim, even though car was not parked on declared address for extended period of time.


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    #8
    savagethegoat
    Closed Accounts Posts: 2,297 ✭✭✭savagethegoat


    with a third party only cover, it makes no difference where it was parked surely. They wont be paying anything out to you for your car.


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    #9
    mgbgt1978
    Registered Users Posts: 4,230 ✭✭✭mgbgt1978


    The minimum cover required for almost all EU Countries( including Ireland) is 3rd Party only.
    This, therefore, is the extent of cover which Insurers are obliged to provide while you are driving your car abroad during the duration of the policy.
    Fire & Theft would not necessarily be included as they are not in the minimum cover requirement for most EU Countries.
    As long as your main address is in Ireland (ie. you have not emigrated permanently) then there should be no problem with taking your car anywhere in the EU for any length of time while your current Policy is still active.


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