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Dutch dad drive my Irish car?

  • 14-07-2016 9:05am
    #1
    Poncke
    Registered Users, Registered Users 2 Posts: 956 ✭✭✭


    Hi,

    As I understand, in Ireland the drivers are insured, in the Netherlands the car is insured.

    Can my Dutch dad, drive my Irish car, in Ireland? If not, what would be the best way to get that sorted for a few days, so he can drive here?

    Thanks


Comments

  • #2
    grogi
    Registered Users, Registered Users 2 Posts: 8,616 ✭✭✭grogi


    Poncke wrote: »
    Hi,

    As I understand, in Ireland the drivers are insured, in the Netherlands the car is insured.

    Can my Dutch dad, drive my Irish car, in Ireland? If now, what would be the best way to get that sorted for a few days, so he can drive here?

    Thanks

    No, unless he's a named driver on a policy for the Irish car or that's an open policy.

    Cheapest way to get him to drive for couple of days - get a rental. Seriously...


  • #3
    shietpilot
    Closed Accounts Posts: 2,881 ✭✭✭shietpilot


    Some insurance policies have open drive which allows anyone over 25 with a full licence to drive your car without having to put them as a named driver.

    There is also a new motor insurance forum set up for these type of questions, you might get more details there:
    http://www.boards.ie/vbulletin/forumdisplay.php?f=1765


  • #4
    biko
    Registered Users, Registered Users 2 Posts: 81,220 ✭✭✭✭biko


    Moved to Insurance forum


  • #5
    Nuw
    Registered Users, Registered Users 2 Posts: 509 ✭✭✭Nuw


    I think your insurance provider should be able to answer that question more efficiently than any of us ;)

    From experience though, and as above, usually turns out cheaper and less hassle to just rent a car, unless you do have an open policy.


  • #6
    Poncke
    Registered Users, Registered Users 2 Posts: 956 ✭✭✭Poncke


    Ok, thanks, thats what I was thinking. I remember not being able to drive my Aunt's car when in Australia for the same reasons.

    Cheers guys


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  • #7
    CiniO
    Registered Users, Registered Users 2 Posts: 16,069 ✭✭✭✭CiniO


    grogi wrote: »
    No, unless he's a named driver on a policy for the Irish car or that's an open policy.

    Cheapest way to get him to drive for couple of days - get a rental. Seriously...

    That is actually true... and a farce as well...

    I rented a car in February for 3 full weeks at a cost of around €105. That gives €5 per day.

    Price didn't depend on insurance history, so if I was a foreigner with foreign licence holder, had multiple claims in my driving history, plenty of convictions, etc, I would still get it at the same price.

    I'm sure rental company didn't loose money on me, so after taking cost of depreciation, maintenance, tax, etc on the car I rented, I'm not sure if there' much left from those €5 a day to cover the cost of insurance. I can hardly see it as more than €2 per day to cover cost of insurance which ends up €600 per annum on average.

    There's no chance any insurer in Ireland would insure me directly otherwise at that price, without knowing my driving history, claims history, convictions history etc...

    So either we are all getting properly screwed by insurers, or rental companies are just getting best offers ever.


  • #8
    Marcusm
    Registered Users, Registered Users 2 Posts: 10,628 ✭✭✭✭Marcusm


    CiniO wrote: »
    That is actually true... and a farce as well...

    I rented a car in February for 3 full weeks at a cost of around €105. That gives €5 per day.

    Price didn't depend on insurance history, so if I was a foreigner with foreign licence holder, had multiple claims in my driving history, plenty of convictions, etc, I would still get it at the same price.

    I'm sure rental company didn't loose money on me, so after taking cost of depreciation, maintenance, tax, etc on the car I rented, I'm not sure if there' much left from those €5 a day to cover the cost of insurance. I can hardly see it as more than €2 per day to cover cost of insurance which ends up €600 per annum on average.

    There's no chance any insurer in Ireland would insure me directly otherwise at that price, without knowing my driving history, claims history, convictions history etc...

    So either we are all getting properly screwed by insurers, or rental companies are just getting best offers ever.

    The rental company may work on an indemnity bond basis and not have a direct insurance cost. Equally, low rental rates give them an opportunity for you to drive the car and suffer a scratch or dent that they charge €500 not to repair!


  • #9
    CiniO
    Registered Users, Registered Users 2 Posts: 16,069 ✭✭✭✭CiniO


    Marcusm wrote: »
    The rental company may work on an indemnity bond basis and not have a direct insurance cost.
    Maybe they could, but I don't think they did, as car had normal insurance disc displayed with name of one of the insurers.
    Equally, low rental rates give them an opportunity for you to drive the car and suffer a scratch or dent that they charge €500 not to repair!

    That's actually true.
    They didn't make much on me though.


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