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Insurance on 2 cars for same person

  • 13-07-2018 3:38pm
    #1
    fishy_fishy
    Registered Users, Registered Users 2 Posts: 452 ✭✭


    Hi,

    Bought a new car recently. My old car is sitting in the driveway now, no NCT and feeling a bit unloved. I want to be able to dispose of my old car so need to get it to garage and NCT centre.

    What are the chances of getting insurance on it? It's an 02 runaround.


Comments

  • #2
    coylemj
    Registered Users, Registered Users 2 Posts: 25,624 ✭✭✭✭coylemj


    Talk to your existing insurance company, they may give you temporary cover. Asking anyone else will require a new policy which will be expensive. I remember a few years ago when I bought a car privately so ended up like you with two cars, I asked Axa and they said they would cover me third party only on the old car for two weeks to allow me to sell it. That was two weeks starting on the day I transferred the policy to the new car, your situation is a bit different as the old car has been idle for a while but no harm asking them and see what they say.

    Another option is to get a friend with 'driving other cars' cover in their own policy to drive the old car to the garage or NCT centre - you wouldn't be covered because you own the car. But be aware that as your old car now has no policy of it's own, somebody driving your car will not be covered if their policy is with Aviva or Liberty as those companies insist that a borrowed car has an current policy in force.


  • #3
    tcawley29
    Registered Users, Registered Users 2 Posts: 1,829 ✭✭✭tcawley29


    coylemj wrote: »
    Talk to your existing insurance company, they may give you temporary cover. Asking anyone else will require a new policy which will be expensive. I remember a few years ago when I bought a car privately so ended up like you with two cars, I asked Axa and they said they would cover me third party only on the old car for two weeks to allow me to sell it. That was two weeks starting on the day I transferred the policy to the new car, your situation is a bit different as the old car has been idle for a while but no harm asking them and see what they say.

    Another option is to get a friend with 'driving other cars' cover in their own policy to drive the old car to the garage or NCT centre - you wouldn't be covered because you own the car. But be aware that as your old car now has no policy of it's own, somebody driving your car will not be covered if their policy is with Aviva or Liberty as those companies insist that a borrowed car has an current policy in force.

    Be very careful with the driving of other cars option. Some companies now require the third party car to also have its own policy


  • #4
    mgbgt1978
    Registered Users, Registered Users 2 Posts: 4,261 ✭✭✭mgbgt1978


    coylemj wrote: »
    Talk to your existing insurance company, they may give you temporary cover. Asking anyone else will require a new policy which will be expensive. I remember a few years ago when I bought a car privately so ended up like you with two cars, I asked Axa and they said they would cover me third party only on the old car for two weeks to allow me to sell it. That was two weeks starting on the day I transferred the policy to the new car, your situation is a bit different as the old car has been idle for a while but no harm asking them and see what they say.

    Another option is to get a friend with 'driving other cars' cover in their own policy to drive the old car to the garage or NCT centre - you wouldn't be covered because you own the car. But be aware that as your old car now has no policy of it's own, somebody driving your car will not be covered if their policy is with Aviva or Liberty as those companies insist that a borrowed car has an current policy in force.


    Is this a relatively recent stipulation by Liberty, as it was something they specifically did not require up to about 2 years ago ?


  • #5
    coylemj
    Registered Users, Registered Users 2 Posts: 25,624 ✭✭✭✭coylemj


    tcawley29 wrote: »
    Be very careful with the driving of other cars option. Some companies now require the third party car to also have its own policy

    You quoted my entire post but appear to have missed the second paragraph ..... it's not 'some companies', it's Aviva and Liberty.
    mgbgt1978 wrote: »
    Is this a relatively recent stipulation by Liberty, as it was something they specifically did not require up to about 2 years ago ?

    Up to about two years ago it was an urban myth but it became a fact when it was introduced as a condition by Aviva and they were followed about a year later by Liberty. I can see all companies eventually introducing that condition.


  • #6
    tcawley29
    Registered Users, Registered Users 2 Posts: 1,829 ✭✭✭tcawley29


    coylemj wrote: »
    You quoted my entire post but appear to have missed the second paragraph ..... it's not 'some companies', it's Aviva and Liberty.



    Up to about two years ago it was an urban myth but it became a fact when it was introduced as a condition by Aviva and they were followed about a year later by Liberty. I can see all companies eventually introducing that condition.

    Apologies I missed that alright. I know 123 used to have the same rule as-well once upon a time but not sure if thats still the case.


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  • #7
    Del2005
    Registered Users, Registered Users 2 Posts: 19,102 ✭✭✭✭Del2005


    coylemj wrote: »
    Talk to your existing insurance company, they may give you temporary cover. Asking anyone else will require a new policy which will be expensive. I remember a few years ago when I bought a car privately so ended up like you with two cars, I asked Axa and they said they would cover me third party only on the old car for two weeks to allow me to sell it. That was two weeks starting on the day I transferred the policy to the new car, your situation is a bit different as the old car has been idle for a while but no harm asking them and see what they say.

    Another option is to get a friend with 'driving other cars' cover in their own policy to drive the old car to the garage or NCT centre - you wouldn't be covered because you own the car. But be aware that as your old car now has no policy of it's own, somebody driving your car will not be covered if their policy is with Aviva or Liberty as those companies insist that a borrowed car has an current policy in force.

    No one can legally drive the car as it has no NCT.


  • #8
    the_syco
    Registered Users, Registered Users 2 Posts: 37,316 ✭✭✭✭the_syco


    fishy_fishy wrote: »
    What are the chances of getting insurance on it? It's an 02 runaround.
    Scrap it. It'll probably work out cheaper than putting money into it.


  • #9
    tcawley29
    Registered Users, Registered Users 2 Posts: 1,829 ✭✭✭tcawley29


    Del2005 wrote: »
    No one can legally drive the car as it has no NCT.

    Unless they're taking it for an NCT


  • #10
    mgbgt1978
    Registered Users, Registered Users 2 Posts: 4,261 ✭✭✭mgbgt1978


    AFAIK you cannot legally drive a Car to an NCT Test without a current NCT.

    You can however drive it home if it fails........:confused:

    edit; which was pointed out in the post directly above your's (your's was #48) in this Thread,
    https://www.boards.ie/vbulletin/showthread.php?p=107152241


  • #11
    martyc5674
    Registered Users, Registered Users 2 Posts: 2,522 ✭✭✭martyc5674


    Why don’t you just sell the car as it is?... it sounds from your OP that it’s worthless so why put any money into it.


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  • #12
    Del2005
    Registered Users, Registered Users 2 Posts: 19,102 ✭✭✭✭Del2005


    mgbgt1978 wrote: »
    AFAIK you cannot legally drive a Car to an NCT Test without a current NCT.

    You can however drive it home if it fails........:confused:

    The only exemption is if the car came from an island without a bridge.


  • #13
    fishy_fishy
    Registered Users, Registered Users 2 Posts: 452 ✭✭fishy_fishy


    martyc5674 wrote: »
    Why don’t you just sell the car as it is?... it sounds from your OP that it’s worthless so why put any money into it.

    It's going to a younger relative. Want to transfer it knowing it's safe for them.


  • #14
    the_syco
    Registered Users, Registered Users 2 Posts: 37,316 ✭✭✭✭the_syco


    fishy_fishy wrote: »
    It's going to a younger relative. Want to transfer it knowing it's safe for them.
    It's over 15 years old. How much will their annual insurance be?


  • #15
    fishy_fishy
    Registered Users, Registered Users 2 Posts: 452 ✭✭fishy_fishy


    the_syco wrote: »
    fishy_fishy wrote: »
    It's going to a younger relative. Want to transfer it knowing it's safe for them.
    It's over 15 years old. How much will their annual insurance be?

    I'm aware of that, thanks.


  • #16
    coylemj
    Registered Users, Registered Users 2 Posts: 25,624 ✭✭✭✭coylemj


    fishy_fishy wrote: »
    I'm aware of that, thanks.

    Are you aware that some companies will refuse to take on a car that old? Your younger relative needs to shop around for quotes, they may have to decline your offer and the next destination for your old car could be the scrapyard.


  • #17
    fishy_fishy
    Registered Users, Registered Users 2 Posts: 452 ✭✭fishy_fishy


    coylemj wrote: »
    fishy_fishy wrote: »
    I'm aware of that, thanks.

    Are you aware that some companies will refuse to take on a car that old? Your younger relative needs to shop around for quotes, they may have to decline your offer and the next destination for your old car could be the scrapyard.

    Yep. As I said, I'm aware of that. So are they. Was only giving background as to why I've wound up with 2 cars and no insurance on one. Not going to make like a moron and spend money on something they're not taking.


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