Need to drive uninsured car two hours to collect insured car. Ins Co won't swap cover

TequilaMockingBird

What would you do? My head is wrecked trying to sort it out.

Edit: Uninsured car is in remotest place in Ireland or I'd hire a car for the day, but there's nowhere to leave it back out there.

I also don't have anyone to ask to drive me out that far.

nophd08

TequilaMockingBird wrote: »

What would you do? My head is wrecked trying to sort it out.

Edit: Uninsured car is in remotest place in Ireland or I'd hire a car for the day, but there's nowhere to leave it back out there.

I also don't have anyone to ask to drive me out that far.

Not being smart but couldn't you just get a taxi?

TequilaMockingBird

nophd08 wrote: »

Not being smart but couldn't you just get a taxi?

It's a two hour drive, Daddy Warbucks!

Akrasia

TequilaMockingBird wrote: »

What would you do? My head is wrecked trying to sort it out.

Edit: Uninsured car is in remotest place in Ireland or I'd hire a car for the day, but there's nowhere to leave it back out there.

I also don't have anyone to ask to drive me out that far.

Do you have driving other cars extension?
If you're over 25 and have your own insurance (ie, not a named driver) you probably have that cover. Check your cert.

you'll be able to drive the other car if you don't own it, regardless of whether it's insured or not. I presume you don't own the car?

Cunning Stunt

If it's so remote then can the current owner / dealer  not help you out? Could they meet you with the car - maybe you get public transport and have them meet you at wherever the nearest stop is? You could even pay them for the trouble...they would need to plan how they get home of course!

bmwguy

In no way is this a reason to drive uninsured, come on, be creative, you'll find a way!

copeyhagen

I done it a few years ago, but its dodgy obviously.

but then there what, 20% of drivers on the road or whaqtever their statistic was a few weeks back driving uninsured?!

I picked car up from Dublin docks, was told everything would be ok to insure it in order to drive it to the vrt centre (in santry at the time)

picked up car, rang insurance back "oh we didn't know it was on Japanese plates, nothing we can do"
err, I had clearly explained it was on jap plates.

it was like 3.30 and I think the old vrt place closed in like 40 minutes, so I drove the car through the port tunnel to the vrt office.

copeyhagen

copeyhagen wrote: »

I done it a few years ago, but its dodgy obviously.

but then there what, 20% of drivers on the road or whaqtever their statistic was a few weeks back driving uninsured?!

I picked car up from Dublin docks, was told everything would be ok to insure it in order to drive it to the vrt centre (in santry at the time)

picked up car, rang insurance back "oh we didn't know it was on Japanese plates, nothing we can do"
err, I had clearly explained it was on jap plates.

it was like 3.30 and I think the old vrt place closed in like 40 minutes, so I drove the car through the port tunnel to the vrt office.

You murdering scumbag!!!


(or at least thats the kinda response you're likely to get for admitting any wrong doing on here)

seamus

If you have the "driving other cars" extension on your insurance, then you can drive the car but just can't park it in public. If the car belongs to you, or you don't have this extension then someone else with it, can drive the car.

eeguy

How are you going to get both cars back?
What about hiring a car with a trailer and towing the second car home.

RustyNut

Pay a recovery service to collect it and bring it to you.

cplwhisper

TequilaMockingBird wrote: »

What would you do? My head is wrecked trying to sort it out.

Edit: Uninsured car is in remotest place in Ireland or I'd hire a car for the day, but there's nowhere to leave it back out there.

I also don't have anyone to ask to drive me out that far.

Simple... who owns 'uninsured car'
If it was u, then only option is get perm cover on it, the perm sub to other car

You are hardly gonna drive 1st car to remote area and dump there when u collect 2nd car ....

Insurance company has to give u reason for turn down of cover, so what story did u tell them when u called.

irishgeo

Sign up for the aa and pretend the new car is broke down.

cplwhisper

€84 for membership with AA

I'd drive it for €50 !!!

Dr. Kenneth Noisewater

Where is the car you've got to collect??

snoopy84

Even though it's your policy that covers you when driving someone else's car, it must have insurance on it already

eeguy

Yep. You can never drive car that doesn't have insurance associated with it (at least according to all the policies I've had)

Skatedude

according to my policy for example. I am insured to drive someone else's car.

The car must be insured by the owner, I must have the owners permission to drive it, And the car can't be registered in my name.
You will need to check your own policy for details.

TequilaMockingBird

Thanks for replies.

I don't have insurance to cover me to bring and leave old car to Remotest Place in Ireland, so I could collect Good car that has insurance. Bus would take daaaays.

The car I have here is crap, I can't understand why insurance co won't swap cover for two days. I only have 3rd party, so no skin off their nose if it dies in the middle of the bog.


Does anyone know of services that would drop Good Car home to me?

20 mins west from Belmullet town to Sligo town.

Peregrinus

TequilaMockingBird wrote: »

20 mins west from Belmullet town to Sligo town.

Got to point out that if you travel west from Belmullet town you're not going to Sligo town; you're going to . . . well, to Canada, I suppose.

Still, I'm guessing the car you want is somewhere between Sligo and Belmullet.

Piece of cake. Train to Ballina, then a taxi east or west, as the case may be, to your destination. Or, if you're lucky, there's a bus from Ballina to your destination.

Del2005

TequilaMockingBird wrote: »

Thanks for replies.

I don't have insurance to cover me to bring and leave old car to Remotest Place in Ireland, so I could collect Good car that has insurance. Bus would take daaaays.

The car I have here is crap, I can't understand why insurance co won't swap cover for two days. I only have 3rd party, so no skin off their nose if it dies in the middle of the bog.


Does anyone know of services that would drop Good Car home to me?

20 mins west from Belmullet town to Sligo town.

You can contact a local recovery company to drop the car to you. Might not be much more expensive than you driving for several hours to get there and back.

Easiest solution would be for the person with the good car to drive to somewhere with good public transport options for you then transfer your insurance permanently to the new car, then drop them back and drive home yourself.

judeboy101

Peregrinus wrote: »

Got to point out that if you travel west from Belmullet town you're not going to Sligo town; you're going to . . . well, to Canada, I suppose.

Still, I'm guessing the car you want is somewhere between Sligo and Belmullet.

Piece of cake. Train to Ballina, then a taxi east or west, as the case may be, to your destination. Or, if you're lucky, there's a bus from Ballina to your destination.

There is no direct train line from Sligo to balina at least not since the 60's

Peregrinus

judeboy101 wrote: »

There is no direct train line from Sligo to balina at least not since the 60's

OP doesn't say that he's starting from Sligo, does he? He says the car is in "the remotest place in Ireland", which if you're in Sligo is certainly not an apt descriptor for Belmullet. Belmullet's in the next county.

Still, if he is in Sligo, there's a bus to Ballina five times a day. Indeed, there's buses onwards from Ballina to Belmullet (and on to Blacksod). The timetables may not be convenient, but it's likely that buses can get him quite close to the car that he wants to pick up.

Chuchote

Bring your bike on the bus to Belmullet. Cycle from there. Put your new insurance disk in the windscreen and your bike in the boot.

judeboy101

Peregrinus wrote: »

OP doesn't say that he's starting from Sligo, does he? He says the car is in "the remotest place in Ireland", which if you're in Sligo is certainly not an apt descriptor for Belmullet. Belmullet's in the next county.

Still, if he is in Sligo, there's a bus to Ballina five times a day. Indeed, there's buses onwards from Ballina to Belmullet (and on to Blacksod). The timetables may not be convenient, but it's likely that buses can get him quite close to the car that he wants to pick up.

He said Sligo to west of belmullet, one assumes that's Sligo in Ireland. So please explain how getting the train from Sligo to balina works? Maybe go to mullingar and transfer?

TequilaMockingBird

Thanks for the ideas guys, I'm an old "she" with arthritis so I'd cry if I had to cycle!

I might see could I get someone to drop it to Ballina for me, handy enough bus from Sligo to Ballina then.

If the insurance co would just swap the bloody insurance over for 24 hours it'd save a lot of hassle.i
Sorry, forgot, does anyone know of anyone that will transport cars for you? I've had a look but can't find anything, I'm not sure what the term is. Also, budget v tight.

CramCycle

Get a neighbour or friend to drop you to the nearest bus stop, get the bus to the closest point it can go. Walk or taxi the rest
Or
Cycle to bus stop, do the same as above, cycle to new car.
Or
Cycle the whole way
Or
Throw a friend or family member a few quid to drive you and owe them a favour

Akrasia

snoopy84 wrote: »

Even though it's your policy that covers you when driving someone else's car, it must have insurance on it already

Not for the vast majority of policies.

This is a common misconception

Akrasia

Skatedude wrote: »

according to my policy for example. I am insured to drive someone else's car.

The car must be insured by the owner, I must have the owners permission to drive it, And the car can't be registered in my name.
You will need to check your own policy for details.

You're unlucky to have arse holes as an insurance company. Most companies don't require the vehicle to be otherwise insured.

But regardless the OP has third party only insurance so probably doesn't have driving other cars on her policy so this doesn't apply

machiavellianme

Something doesn't add up. How are you getting the car you drive out there back home?
Or are you abandoning it / selling it on while you are there?

CramCycle

Akrasia wrote: »

Not for the vast majority of policies.

This is a common misconception

Most policies it needs to be insured and/or roadworthy i.e. NCT and taxed. All of mine have always been that the car has insurance on it and is not owned by me. It maybe a common misconception but I have yet to meet anyone where it is not applicable.

flatty

I know what I would do.

iwillhtfu

OP if you did drive the uninsured car over to pick up the insured cap. What did you plan on doing with the uninsured car?

It might help if you let us know your starting point.

iwillhtfu

TequilaMockingBird wrote: »

Thanks for replies.

I don't have insurance to cover me to bring and leave old car to Remotest Place in Ireland, so I could collect Good car that has insurance. Bus would take daaaays.

The car I have here is crap, I can't understand why insurance co won't swap cover for two days. I only have 3rd party, so no skin off their nose if it dies in the middle of the bog.


Does anyone know of services that would drop Good Car home to me?

20 mins west from Belmullet town to Sligo town.

judeboy101 wrote: »

He said Sligo to west of belmullet, one assumes that's Sligo in Ireland. So please explain how getting the train from Sligo to balina works? Maybe go to mullingar and transfer?

where did you read that?

I hope OPs driving is better than their chart plotting 20 mins west of Belmullet you're in the Atlantic.

Special Circumstances

CramCycle wrote: »

Most policies it needs to be insured and/or roadworthy i.e. NCT and taxed. All of mine have always been that the car has insurance on it and is not owned by me. It maybe a common misconception but I have yet to meet anyone where it is not applicable.

Your car could have both and be completely unroadworthy.
Your car could have neither and be perfectly roadworthy.

Not saying that the Irish government and insurance companies don't love Catch 22s.... but if you need tax to be roadworthy, how would you get your Certificate of Road Worthiness to get your tax to get your.....

TallGlass

Akrasia wrote: »

Not for the vast majority of policies.

This is a common misconception

True, but it does need valid tax and NCT on it.

CramCycle

Special Circumstances wrote: »

Your car could have both and be completely unroadworthy.
Your car could have neither and be perfectly roadworthy.

Not saying that the Irish government and insurance companies don't love Catch 22s.... but if you need tax to be roadworthy, how would you get your Certificate of Road Worthiness to get your tax to get your.....

Very true, I meant more the requirements of the insurance company not what is actually roadworthy in technical sense but roadworthy in a legal sense ie what would a garda fine you or impound tha car for, I would have though that was obvious.

I have never heard of a policy that does not require the car to be insured in another persons name but akrasia says this is common. Admittedly though I only have experience with a small number of policies, parents, in laws, partners and my own, plus a few friends. I have read most of these due to swapping cars around for various reasons. Maybe Akrasia is right but I presume there would be some other requirement for the car to be insured. When I say roadworthy, I am talking about, what would be legally required to be driving on the road.

TallGlass

Special Circumstances wrote: »

if you need tax to be roadworthy, how would you get your Certificate of Road Worthiness to get your tax to get your.....

Well if you wanted to get technical about it you should technically tow it to NCT center get cert and tow it back then TAX it!

Special Circumstances

TallGlass wrote: »

Well if you wanted to get technical about it you should technically tow it to NCT center get cert and tow it back then TAX it!

It's turtles all the way down.

TallGlass

CramCycle wrote: »

I have never heard of a policy that does not require the car to be insured in another persons name

Hi CramCycle,

You can see here from Liberty there is no mention of it needing to be insured, it does need to be in a roadworthy condition, not in your name and you are not currently insured on it. Obviously it would need to be taxed to use it on a public road.

Check your Certificate of Insurance to see if you are covered to drive other cars. If so, the policyholder will have third party only cover to drive other private motor cars that are temporarily borrowed, under the following conditions:

the vehicle is not owned by you or your employer or hired to you or them under a hire-purchase or lease agreement;
you currently hold a full European Union (EU) licence;
the use of the vehicle is covered in the Certificate of Insurance;
cover is not provided by any other insurance;
you have the owner’s permission to drive the vehicle;
the vehicle is in a roadworthy condition;
you still have your vehicle and it has not been damaged beyond cost-effective repair; and
your occupation is not restricted by our acceptance criteria.
This extension applies while being driven in Ireland or the UK, and only to private passenger vehicles.

Special Circumstances

CramCycle wrote: »

Very true, I meant more the requirements of the insurance company not what is actually roadworthy in technical sense but roadworthy in a legal sense ie what would a garda fine you or impound tha car for, I would have though that was obvious.

I have never heard of a policy that does not require the car to be insured in another persons name but akrasia says this is common. Admittedly though I only have experience with a small number of policies, parents, in laws, partners and my own, plus a few friends. I have read most of these due to swapping cars around for various reasons. Maybe Akrasia is right but I presume there would be some other requirement for the car to be insured. When I say roadworthy, I am talking about, what would be legally required to be driving on the road.

Good stuff. Can you give a list of the companies that will not cover you third party extension on cars that are not currently insured by someone else.

Off the top of your head like, don't be going to any hassle. You surely remember a few.
To be fair it actually has starting creeping (back?) in (again?) now. There was a time when NOBODY could actually produce a policy document that could support that assertion when asked.

iwillhtfu

CramCycle wrote: »

I have never heard of a policy that does not require the car to be insured in another persons name but akrasia says this is common.

That'd be because they don't exist or at least I couldn't find one. I have to insure a car for 2 evenings a week school/creche run approx 6km drive. It literally sits on the drive more than it is used. €450/annum I actually considered opening a taxi account and having the taxi pick them up. :eek:

The insurance system over here needs a complete overhaul and not just the cost of insurance also the pay out and compensation claims.

To nip it in the bud. Yes it's only 6kms which I happily walked/biked during summer months with 4 kids in tow. However due to lack of cycling infrastructure and also unsuitable footpaths for walking on a car was required for the winter months.

iwillhtfu

TallGlass wrote: »

Hi CramCycle,

You can see here from Liberty there is no mention of it needing to be insured, it does need to be in a roadworthy condition, not in your name and you are not currently insured on it. Obviously it would need to be taxed to use it on a public road.

Check your Certificate of Insurance to see if you are covered to drive other cars. If so, the policyholder will have third party only cover to drive other private motor cars that are temporarily borrowed, under the following conditions:

the vehicle is not owned by you or your employer or hired to you or them under a hire-purchase or lease agreement;
you currently hold a full European Union (EU) licence;
[B]the use of the vehicle is covered in the Certificate of Insurance;[/B]
cover is not provided by any other insurance;
you have the owner’s permission to drive the vehicle;
the vehicle is in a roadworthy condition;
you still have your vehicle and it has not been damaged beyond cost-effective repair; and
your occupation is not restricted by our acceptance criteria.
This extension applies while being driven in Ireland or the UK, and only to private passenger vehicles.

I don't think you're reading that right. I called liberty and they said all cars have to carry an insurance policy to be driven on our roads. The only exemption is a mechanic can cover it on their policy/plates Mon-Fri.

Cows Go µ

Aviva is one that the other vehicle needs to have insurance: https://www.google.ie/url?sa=t&source=web&rct=j&url=http://www.aviva.ie/media-library/MotorCare%2520Policy%2520Booklet.pdf&ved=0ahUKEwi5vOb7stDRAhUBLMAKHZhaBT8QFgggMAI&usg=AFQjCNEw9rIBz1iKepf3_IDQOqpG0wrt7A&sig2=PCwT8aZVSmHh7BwBBlLLvw

This cover will only apply if –

4 a current certificate of insurance
has been issued and remains in
force on the Private car being
driven under the Driving other
cars cover provided

TallGlass

iwillhtfu wrote: »

I don't think you're reading that right. I called liberty and they said all cars have to carry an insurance policy to be driven on our roads. The only exemption is a mechanic can cover it on their policy/plates Mon-Fri.

True, not saying I disagree with you but I was told the opposite!

What I think 'the use of the vehicle is covered in the Certificate of Insurance', means in this case is that, your own COI actually says that you can drive other cars 'third party'! It says it on mine (might double check it), maybe you can opt out of it or something?

But in fairness, I don't think I have drove another car that wasn't insured in some way or another. So has never really been an issue, but I have an old car that needs NCT, has Tax and Valid NCT at the moment, just no insurance so was going to get the oul lad to drive it to the centre for me. So might just double check what the situation is there.

Special Circumstances

CramCycle wrote: »

I have never heard of a policy that does not require the car to be insured in another persons name but akrasia says this is common..

iwillhtfu wrote: »

That'd be because they don't exist or at least I couldn't find one.

I've never ever ever had a policy that required the other car to be insured so that my mandatory minimum required insurance would be "enabled".

CramCycle

CramCycle wrote: »

Most policies it needs to be insured and/or roadworthy i.e. NCT and taxed. All of mine have always been that the car has insurance on it and is not owned by me. It maybe a common misconception but I have yet to meet anyone where it is not applicable.

I've been insured with 3 or 4 different insurance companies as well as seeing policies from others. Never have I see the stipulation that it must be insured. That would mean most insurance companies operating in Ireland I have not seen this rule.

You are most likely misinterpreting what is said, as I've seen people claim this about their policy and when I read their cert it doesn't say it at all. The line that is usually misinterpreted is one stating that driving other cars only applies if you are not covered by another policy on the car i.e. if you are a named driver that over rules the driving other cars. People read this as meaning the other car must be insured for some reason.

xabi

Why wont insurance do a temp swap? Tell them its a loaner from garage while your car gets fixed.

challengemaster

iwillhtfu wrote: »

I don't think you're reading that right. I called liberty and they said all cars have to carry an insurance policy to be driven on our roads. The only exemption is a mechanic can cover it on their policy/plates Mon-Fri.

I've had Quinn/Liberty insurance for years - other car doesn't require it's own Insurance.

and BTW you could call Liberty 5 times and get 5 different answers from the different people on the phone. Doesn't matter what anyone says - what matters is what's written on the policy.

They're right in the sense that it needs to be insured (third party) to be driven on the road - but that insurance is covered by the driving other cars extension. It doesn't need a separate insurance policy of its own, nor is that stipulated in the policy documents.

The only real caveat is once you park the car it's uninsured.

lawred2

TequilaMockingBird wrote: »

What would you do? My head is wrecked trying to sort it out.

Edit: Uninsured car is in remotest place in Ireland or I'd hire a car for the day, but there's nowhere to leave it back out there.

I also don't have anyone to ask to drive me out that far.

Well what I wouldn't do is drive uninsured.

Special Circumstances

Cows Go µ wrote: »

Aviva is one that the other vehicle needs to have insurance: https://www.google.ie/url?sa=t&source=web&rct=j&url=http://www.aviva.ie/media-library/MotorCare%2520Policy%2520Booklet.pdf&ved=0ahUKEwi5vOb7stDRAhUBLMAKHZhaBT8QFgggMAI&usg=AFQjCNEw9rIBz1iKepf3_IDQOqpG0wrt7A&sig2=PCwT8aZVSmHh7BwBBlLLvw

This cover will only apply if –

4 a current certificate of insurance
has been issued and remains in
force on the Private car being
driven under the Driving other
cars cover provided

Yeah I think I was Aviva that was mentioned the last time this came up too. There's a whole bunch of reasons that Aviva won't insure me, not least because my car was damaged by a third party through no faul of my own and I had to claim off that persons policy.

Yup, Aviva won't insure anyone who has been the innocent victim of a bad driver, even if it was the bad drivers insurance that paid out.