Car insurance question

passatman86

Have my avensis insured and was driving the wifes car thats nct'd and taxed. Her cars not insured shes not driving right now. On my insurance cert says I can drive other cars on third party with permission. BUT the ban gard said shes checking up if its legit cause she thinks my wifes car needs insurance for open drive to work.. my policy says me the full license holder can drive other motor cars that i dont own or lease.

Reading my policy doesnt say other other cars need insurance , opinions please.

Del2005

You have an insurable interest in your spouses vehicle so you most likely aren't insured.

Charles Babbage

The risk to insurance companies is that you are driving the wife's car, while she is driving yours and there are two vehicles on the road on one policy, and your spouse is in a special position.

passatman86

Charles Babbage wrote: »

The risk to insurance companies is that you are driving the wife's car, while she is driving yours and there are two vehicles on the road on one policy, and your spouse is in a special position.

Its my own policy. No one else on it.
Wife doesnt drive anything.
I drove her uninsured car thats taxed and nct'd useing my 3rd party extension.
Gard is questioning the car needs insurance for 3rd party extension. Gard following it up.
But on my policy it says with permission I can drive other cars
I will also ring my insurance company Monday to confirm.

Opinions please

Atlantic Dawn

passatman86 wrote: »

But on my policy it says with permission I can drive other cars

Yes but it will usually state cars you don't own. Being married ownership is likely to be perceived as joint ownership and so you wouldn't be covered. Call your insurer to confirm.

passatman86

Atlantic Dawn wrote: »

Yes but it will usually state cars you don't own. Being married ownership is likely to be perceived as joint ownership and so you wouldn't be covered. Call your insurer to confirm.

My policy doesnt say I own my wifes car , this is confusing

pablo128

My policy specifically says I can drive other cars but not my spouses car. Im on her policy anyway as a named driver so I'm covered for comprehensive then. Driving someone else's car on my insurance would only cover me third party.

passatman86

Very confusing my policy doesn't mention a spouse , partner , wife
Just cars I dont own. I cant understand is it a loophole , am I in the wrong , am I ok
Mine says " the insured holding a full license may also drive , with permission of the vehicle owner , any private motor car that they do not own and have not hired or leased , subject to the terms and conditions of the policy"

I wouldnt drive it unless I thought 3rd party covered me

Turner

passatman86 wrote: »

Very confusing my policy doesn't mention a spouse , partner , wife
Just cars I dont own. I cant understand is it a loophole , am I in the wrong , am I ok
Mine says " the insured holding a full license may also drive , with permission of the vehicle owner , any private motor car that they do not own and have not hired or leased , subject to the terms and conditions of the policy"

I wouldnt drive it unless I thought 3rd party covered me

Just because you are married does not mean you own the car under the road traffic act. You are not liable for it if it was involved in a hit and run, you are not the registered owner. You do not receive fines from tolls, cameras etc.

If your insurance cert states you are insured to drive any other car as long as you do not own it ( ie registered in your name) and there is no small print in your policy document about it being a spouses car) than you are covered to drive her car.

You have complied with the law, you have an insurance policy in force. The car does not have to be insured on some other policy unless it specifically states that in your policy)

passatman86 wrote: »

subject to the terms and conditions of the policy"

Read your policy document, its normally a book that comes with your cert and tell us what it says about other cars.

beechwood55

We are with Aviva. When I renewed I asked them about driving other cars. I will be covered for driving other cars as long as the other car is also insured. That is the Aviva position. Other insurance companies may have a different position.
Not sure what the position is regarding driving a spouse's uninsured car.

Wheety

Usually the other car has to be owned and insured by someone else. I've never heard it another way. What insurance company are you with? They generally have policy booklets online.

passatman86

Cross insurance broker with liberty insurance

Turner

Wheety wrote: »

Usually the other car has to be owned and insured by someone else. I've never heard it another way. What insurance company are you with? They generally have policy booklets online.

How are you supposed to verify this?

Insurance companies will rarely tell Gardai from the roadside if people are insured.

Never mind Joe Soap ringing up at 2am to find out if a car is properly insured or not after he was nominated designated driver for a load of drunks.

Im sorry but once you have a policy in force that covers you to drive other cars as it says on your cert and your policy document, you are insured.

Toastytoes

I was informed before ( I think by RSA) that it doesn’t cover cars of people at the same address.

Mf310

passatman86 wrote:

Cross insurance broker with liberty insurance

Liberty is alright it states in their documents that the car you are driving does not have to be insured so you are perfectly right to be driving

Sue Pa Key Pa

A few things OP

Firstly, the Gardai, in my experience know fcuk all about insurance. Your policy wording is king in this instance as there are variations in the driving of other cars extension. Most state that the car must not belong to you. Some say the car must not be owned by you or your spouse and some policies add the condition that the other car must have it's own policy (eg Aviva

Read the policy in conjunction with your cert

Wheety

This is the from the Liberty policy Booklet

Driving other cars
If your certificate of insurance says so, we
will also cover you, the policyholder, for
your liability to other people while you are
driving any other private motor car which
you do not own or have not hired under a
hire-purchase or lease agreement, as long
as:
1. the vehicle is not owned by your
employer or hired to them under a
hire-purchase or lease agreement;
2. you currently hold a full European
Union (EU) licence;
3. the use of the vehicle is covered in the
certificate of insurance;
4. cover is not provided by any other
insurance;
5. you have the owner’s permission to
drive the vehicle;
6. the vehicle is in a roadworthy condition;
and
7. you still have the insured vehicle and it
has not been damaged beyond
cost-effective repair.
This extension applies while being driven
within the territorial limits and only to
private passenger vehicles. It does not
include:
• vans;
• car-vans;
• jeep-type vehicles with no seats in the
back; or
• vans adapted to carry passengers.

passatman86

Mf310 wrote: »

Liberty is alright it states in their documents that the car you are driving does not have to be insured so you are perfectly right to be driving

Thats one relief , now to confirm spouse partner wife.. my actual insurance cert paper - the disc is on says.... the insured holding a full license may also drive , with permission of the vehicle owner , any private motor car that they do not own and have not hired or leased , subject to the terms and conditions of the policy... cant see spouse partner


Thanks for all replies guys
Edit @wheety thanks for that .. im trying to figure out spouse partner now

Sue Pa Key Pa

Does your wife's car have a current NCT?. One of the conditions there with Liberty is that it must be roadworthy

passatman86

Sue Pa Key Pa wrote: »

Does your wife's car have a current NCT?. One of the conditions there with Liberty is that it must be roadworthy

Yes nct for 5 months
Tax until end of month

Wheety

passatman86 wrote: »

Thats one relief , now to confirm spouse partner wife.. my actual insurance cert paper - the disc is on says.... the insured holding a full license may also drive , with permission of the vehicle owner , any private motor car that they do not own and have not hired or leased , subject to the terms and conditions of the policy... cant see spouse partner


Thanks for all replies guys
Edit @wheety thanks for that .. im trying to figure out spouse partner now

Think you'll be ok, this has a little bit more info

https://www.libertyinsurance.ie/blog/am-i-insured-to-drive-other-vehicles/

Says this:
If these criteria have been met, you’re now free to hop in to your friend/neighbour/mum’s car and drive wherever you need to go.

Which still doesn't clarify wife, but I reckon they'd mention it if it was excluded.

passatman86

Wheety wrote: »

Think you'll be ok, this has a little bit more info

https://www.libertyinsurance.ie/blog/am-i-insured-to-drive-other-vehicles/

Says this:
If these criteria have been met, you’re now free to hop in to your friend/neighbour/mum’s car and drive wherever you need to go.

Which still doesn't clarify wife, but I reckon they'd mention it if it was excluded.

Appreciate the effort to help. Thanks..
When I got my policy months ago I specifically asked do I have 3rd party extension... who was to know about spouse partner rule I cant see it mentioned.. fairly worrying

Sue Pa Key Pa

passatman86 wrote:

Yes nct for 5 months Tax until end of month

Good to go then from what I see. Maybe she didn't like you calling her a ban garda, they don't like that anymore

passatman86

Sue Pa Key Pa wrote: »

Good to go then from what I see. Maybe she didn't like you calling her a ban garda, they don't like that anymore

See what you mean ,
but no I never said that. Just used guard
Im allways yes sir , no sir

Wheety

Maybe she didn't like you calling her 'sir'

Sleeper12

passatman86 wrote:

Its my own policy. No one else on it. Wife doesnt drive anything. I drove her uninsured car thats taxed and nct'd useing my 3rd party extension. Gard is questioning the car needs insurance for 3rd party extension. Gard following it up. But on my policy it says with permission I can drive other cars I will also ring my insurance company Monday to confirm.

I always thought that when your policy covers you to drive other cars then the car you are driving must be insured. In other words if the car itself has no insurance then your policy does not cover it?

passatman86

Wheety wrote: »

Maybe she didn't like you calling her 'sir'

See the irony
Was reading back my post wondering will any one pick up on it ha ha
Very worrying guys., I have no points on my license and 7 years no claims so if this messed it all up id be annoyed with myself.. really hoping I have the right answers
Appreciate the replies

Sue Pa Key Pa

Sleeper12 wrote:

I always thought that when your policy covers you to drive other cars then the car you are driving must be insured. In other words if the car itself has no insurance then your policy does not cover it?

That will be the norm shortly because of widespread abuse of the extension

passatman86

Mf310 wrote: »

Liberty is alright it states in their documents that the car you are driving does not have to be insured so you are perfectly right to be driving

Just wondering what sentence relates to that
Thanks for the help , just tyring to clarify the wording

Del2005

passatman86 wrote: »

Appreciate the effort to help. Thanks..
When I got my policy months ago I specifically asked do I have 3rd party extension... who was to know about spouse partner rule I cant see it mentioned.. fairly worrying

It's not mentioned because it doesn't need to be, it says a vehicle you don't own. If I ring an insurance company and ask to take out a policy on Mrs Passatman86's car I'll get a refusal as I've no insurable interest, if you ring up you will get a policy.

passatman86

Del2005 wrote: »

It's not mentioned because it doesn't need to be, it says a vehicle you don't own. If I ring an insurance company and ask to take out a policy on Mrs Passatman86's car I'll get a refusal as I've no insurable interest, if you ring up you will get a policy.

Sorry to ask this but can you dumb it down for me. Is this about the spouse partner rule

Sue Pa Key Pa

OP, don't worry about it. There is a difference between insurable interest and owning something. Some insurers, such as Zurich will often specifically exclude driving a spouse's car and it will be stated on the cert or in the policy. If it is not there, you are fine.