Uk resident student in Ireland using a UK Car- who insurers me ?

nutnat19

Dear All,

I am really stuck I am a student in Ireland with permanent residence in the Uk and wishing to get my UK registered car here. The Irish rules says I do not need to change the registration so no Motor Tax, VRT or NCT required in Ireland as all of that is in place from the UK.

Problem is Insurance - The Irish insurance companies would not insure me on a UK number plate more than 30 days and my UK insurance denies to cover me after 45 days of being out of the UK /in the EU.

Who insures me ?????

Any help will be appreciated

GarIT

Are you driving across the border every day? If you are sleeping 4 nights a week in Ireland you need to get an Irish reg plate and pay VRT.

A permanent resident is someone who is here for work or college i.e. not a holiday (3 months or more) and stays in the country at least 4 nights a week. If that isn't the case you need to sort out an arrangement with a UK insurer.

It's probably a ****ty situation for someone travelling just for college but I can't see any way around it if you follow the book to the letter.

Charles Babbage

Under EU rules they cannot deny you insurance to meet the legal requirement, although you will lose any theft/comprehensive etc.
I'd say it depends on the company, someone like Allianz with a cross border business may be more likely to insure you than a company with only UK business.

GarIT wrote: »

Are you driving across the border every day? If you are sleeping 4 nights a week in Ireland you need to get an Irish reg plate and pay VRT.

A permanent resident is someone who is here for work or college i.e. not a holiday (3 months or more) and stays in the country at least 4 nights a week. If that isn't the case you need to sort out an arrangement with a UK insurer.

This is not true. A student never becomes normally resident. Why derail the thread with misinformation?

Lmklad

https://www.revenue.ie/en/tax-professionals/tdm/vehicle-registration-tax/vrt-manual-section-02.pdf

Have a read. You may register here and not have to pay VRT.

mdebets

I would also consider what your long-term plans are. Are you just starting a course and plan to stay for the full 3 years or even longer? Then I would look into moving your car to Ireland (probably your driver's license as well), as you don't know what will happen next year with the Brexit and it might be much more expensive then.

TopTec

LV Insurance in the UK provides fully comp EU cover for 180 days.


TT