Driving a car I am not insured on

beaner92

Im going to visit family in kerry and i have a learners permit, my aunt has told me she isnt up for driving much. And asked me to drive her car. Its a 2 litre range rover driving from cork to kerry. I have no problems driving, but i am unsure as to if i need to be insured on her car, and she will be in the car at all times.

endacl

She'll need to put you on her insurance.

Bobby42

You would need to be a named driver on her policy in order to be insured or have your own insurance policy that covers driving other cars.

evolving_doors

beaner92 wrote: »

Im going to visit family in kerry and i have a learners permit, my aunt has told me she isnt up for driving much. And asked me to drive her car. Its a 2 litre range rover driving from cork to kerry. I have no problems driving, but i am unsure as to if i need to be insured on her car, and she will be in the car at all times.

Have you any insurance for any car?

beaner92

Gebgbegb wrote: »

Have you any insurance for any car?

no

HeidiHeidi

Then you'll have to get yourself named on your aunt's policy.

And I can only imagine that insurance on a 2L Range Rover while on a learner's permit will be astronomical. (But I might be wrong)

beaner92

HeidiHeidi wrote: »

Then you'll have to get yourself named on your aunt's policy.

And I can only imagine that insurance on a 2L Range Rover while on a learner's permit will be astronomical. (But I might be wrong)

its only for 4 days? how much could it be?

Jayop

Could literally be hundreds. They may simply refuse to insure you.

HeidiHeidi

beaner92 wrote: »

its only for 4 days? how much could it be?

I have no idea, I'm afraid. But the combination of a 2L engine and a learner's permit would make me fearful. They may not quote you at all. (But like I say, I could be wrong - you'll only find out by ringing them up.)

jon1981

And don't be thinking "ah sure it's only 4 days ill chance it" ... if caught the car will be impounded and you'll have a nice little day in court ...

She might have 3rd party cover or open insurance but might not cover learner drivers...worth checking.

Jayop

No way would I chance it. Give them a call. they might be sound and put you on for 50 quid for the few days, but I reckon multiples of it.

Do post here, will be interesting to hear.

But yeah, don't chance it. You'll lose you permit if caught I think.

Silvera

The fact that a person needs to ask 'do I need to be insured on a car' (for driving on a public road) is worrying - and baffling - in the extreme!

Rightwing

Loads are driving with no insurance, possibly as high as 1/12

jon1981

Rightwing wrote: »

Loads are driving with no insurance, possibly as high as 1/12

And your point being?

Jayop

Silvera wrote: »

The fact that a person needs to ask 'do I need to be insured on a car' (for driving on a public road) is worrying - and baffling - in the extreme!

I'd rather have someone that's unsure about it and tries to find out before doing it than someone who know's it's wrong and just does it anyway.

beechwood55

Are you a named driver on someone else's policy?

dev100

beaner92 wrote:

Im going to visit family in kerry and i have a learners permit, my aunt has told me she isnt up for driving much. And asked me to drive her car. Its a 2 litre range rover driving from cork to kerry. I have no problems driving, but i am unsure as to if i need to be insured on her car, and she will be in the car at all times.

What age are you ?

Jayop

dev100 wrote: »

What age are you ?

I'm going to have a stab in the dark here and say they were born in 92 making them 24/25ish.

andreoilin

They probably won't even quote you. I tried to get insured for a couple of days on my father-in-law's 2L on a full licence (novice) and couldn't.

beaner92

dev100 wrote: »

What age are you ?

23

beechwood55

And are you insured on someone else's policy? If so what kind of car is it?

Rightwing

jon1981 wrote: »

And your point being?

I didn't think it was overly complicated.

I shall try and simplify: There are lots of uninsured drivers on the road.

BorneTobyWilde

Never heard of a 2.0L Range Rover unless it's something brand new.

colm_mcm

BorneTobyWilde wrote: »

Never heard of a 2.0L Range Rover unless it's something brand new.

Evoque? Range Rover Sport is 2.0 as well.

sdanseo

Rightwing wrote: »

Loads are driving with no insurance, possibly as high as 1/12

That's the attitude, let's all do it.

Setting aside the car being seized, being arrested, convicted, criminal record, uninsurable for a while, massive fine and being banned from driving, it's just bloody stupid and pushes the price of insurance up for everyone else.

TheQuietFella

beaner92 wrote: »

Im going to visit family in kerry and i have a learners permit, my aunt has told me she isnt up for driving much. And asked me to drive her car. Its a 2 litre range rover driving from cork to kerry. I have no problems driving, but i am unsure as to if i need to be insured on her car, and she will be in the car at all times.

This is just incredible!!! I'm just in awe at the above statement!

blindsider

Rightwing wrote: »

I didn't think it was overly complicated.

I shall try and simplify: There are lots of uninsured drivers on the road.

I think we've hit rock bottom now, shall we start drilling?

jon1981

Rightwing wrote: »

I didn't think it was overly complicated.

I shall try and simplify: There are lots of uninsured drivers on the road.

Meaning? It's ok? it's the norm? please elaborate.

Sorry maybe it was just a statement...adding no value to the discussion.

shamrock55

TheQuietFella wrote: »

This is just incredible!!! I'm just in awe at the above statement!

Get over yourself fella,the poster said they were unsure and thats why they asked the question

ace_irl

You will 100% need to be insured on her car. You will have to get your aunt to ring her insurance provider or broker and request you be added to her policy. It was awhile ago, but when I had my learner permit and wanted to go on my dads car insurance for 2 weeks until I got my own car I had to pay to be covered for the remainder of his policy (think it was 10 months to renewal) and then cancel the insurance when I no longer needed it.

I paid €580 and then got a refund of around €450 from them after. They might apply a similar rule with yourself. His car was a 2L but it wasn't a Range Rover so not sure if you would be looking at a similar price.

It's worth noting that with the majority of insurance companies, open insurance is only available if you hold a full license and are 25 or over, so even if you had your own policy it is unlikely you would be covered.

dev100

beaner92 wrote:

Im going to visit family in kerry and i have a learners permit, my aunt has told me she isnt up for driving much. And asked me to drive her car. Its a 2 litre range rover driving from cork to kerry. I have no problems driving, but i am unsure as to if i need to be insured on her car, and she will be in the car at all times.

You will either need to go her insurance and it will cost her money to do that or if you have your own policy and it covers you to drive other cars that's the only way. Driving other cars on your policy comes with a caveat though , you either have a policy that comes with fully comp or third party only to drive other cars.

Some policies allow others to drive under an individual's policy but some rules apply like full license and being over a certain age

For the sake of a shortish spin from cork to Kerry I'd be telling the lazy aunt to paddle her own canoe .

TheQuietFella

shamrock55 wrote: »

Get over yourself fella,the poster said they were unsure and thats why they asked the question

It's one of the dumbest questions ever to have been asked on this forum!
Where has this person been living for the last few years? In a f**king bubble?

Cazale

Get your aunt to drive. Not worth the hassle to be messing about trying to get insurance. Don't under any circumstance let her pressure you into driving without insurance as your Aunt won't be paying your taxis when you get banned or your higher premiums.

biko

Silvera wrote: »

The fact that a person needs to ask 'do I need to be insured on a car' (for driving on a public road) is worrying - and baffling - in the extreme!

The fact they kinda knew and bothered to ask here is great and should not be ridiculed.

Don't post unless you have helpful info to give.

ace_irl

TheQuietFella wrote: »

It's one of the dumbest questions ever to have been asked on this forum!
Where has this person been living for the last few years? In a f**king bubble?

The Op was unsure so he asked the question, whether you feel it's a dumb question or not is irrelevant and in no way helps the Op.

Just because it's a clear situation to you does not mean that it is for every individual. You should also bear in mind that the Op appears to be new to the driving world and insurance can be a nightmare to navigate.

challengemaster

biko wrote: »

The fact they bothered to ask here is great and should not be ridiculed.

The fact they have a learners permit and don't know you can't drive a car without insurance is pretty worrying regarding driver education.

biko

They did ask. Not all is crystal clear when you're a learner and they should be able to ask anything in this forum and not get scared off by people taking digs at them.

MarkR

Obviously the OP is not experienced in insurance matters. At least he asked before he got behind the wheel.

TheQuietFella

I hope then that ye all will be very understanding when someone crashes in to you and pleads 'insurance, what's insurance. No one told me about insurance'

Alanstrainor

This is the learning to drive forum, it is a place where people should be free to ask such questions and not be ridiculed for it.

I think the main points have been covered here. OP you can ask your aunty to add you as a named driver, this may or may not be possible but all she can do is ask her insurance company.

Even if you have your own insurance policy, i don't know of any insurers that allow learner permit holders to drive other cars. Usually there is a stipulation that the driver must hold a full license (and perhaps for a minimum period of time).

biko

TheQuietFella wrote: »

I hope then that ye all will be very understanding when someone crashes in to you and pleads 'insurance, what's insurance. No one told me about insurance'

Why are you bringing a hypothetical situation into this?
OP probably knew, asked here, and got confirmation.
No-one got hurt or is driving without insurance.

Blazer

Some of the comments on here are way out of order.
The Op asked a question he was unsure about and he shouldn't be ostracised for it..
There are no stupid questions..it would be far worse if he actually went ahead and did it without checking but he had the cop on to ask on here.
Grow up people.

Silvera

biko wrote: »

The fact they kinda knew and bothered to ask here is great and should not be ridiculed.

Don't post unless you have helpful info to give.

You could apply that logic to many more posts than mine. I didnt ridicule the OP, he/she is right to ask if unsure. I merely said that it was 'bafflingly and worrying' that the OP needed to ask such a question (given that they had to pass a theory test to get their Learner Permit in the first place).

GhostyMcGhost

Silvera wrote: »

The fact that a person needs to ask 'do I need to be insured on a car' (for driving on a public road) is worrying - and baffling - in the extreme!

even more baffling is asking boards ... like you're going to tell the guards JohnnyBoardsie85 said it was grand. The only ones who are sure are the insurance company, regardless of whether anyone here tells you what you want to hear or not

jimgoose

There is no need for all this foaming-at-the-mouth righteousness. The kid is a newbie to the whole driving scene, asked a dumb question, as we all did at that age, and got put straight. Simple as. What is appropriate for the master is not necessarily appropriate for the novice, and vice-versa.

dev100

challengemaster wrote:

The fact they have a learners permit and don't know you can't drive a car without insurance is pretty worrying regarding driver education.

It's not really everyone has to learn some way it's a part of life ... At least the Op has the common sense to ask questions before any attempt to drive a car that's not his or hers . That's the beauty of boards you can ask discuss whatever you want even if it seems stupid to other people

honda boi

Op asks a question and gets ridiculed , now if op had gone ahead and got caught driving without insurance he,d be ridiculed.
Can never win!

teddybundy

yep

caldew

Just to clarify.

You cannot get open insurance to drive other vehicles unless you hold a full license for that category. If you hold a learner permit you must be named on the policy.

Rubberchikken

I dont think 'unsure' about something that ecery dog on the street knows - if you drive you need to be insured.
What's the point of a novice licence if sineone is 'unsure' about a legal requirement.

Jayop

Rubberchikken wrote: »

I dont think 'unsure' about something that ecery dog on the street knows - if you drive you need to be insured.
What's the point of a novice licence if sineone is 'unsure' about a legal requirement.

Do you know and fully understand every single legal requirement pertaining to driving?