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Third party extension

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  • 20-09-2018 8:13am
    #1
    garv123
    Registered Users Posts: 6,576 ✭✭✭


    Hi all,

    Anyone using a company that offers third party extension if the other vehicle isn't insured, but has tax/nct?
    Liberty used to do it but they are changing their policy.


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    #2
    coylemj
    Registered Users Posts: 25,391 ✭✭✭✭coylemj


    Liberty joined Aviva in imposing this condition, I think it was in 2017. AFAIK those two are currently the only companies in the Irish market with that condition - to be covered (by your own policy) under 'driving other cars', the car you borrow must have a current policy of insurance, regardless of whether that policy covers you to drive the car or not.


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    #3
    garv123
    Registered Users Posts: 6,576 ✭✭✭garv123


    coylemj wrote: »
    Liberty joined Aviva in imposing this condition, I think it was in 2017. AFAIK those two are currently the only companies in the Irish market with that condition - to be covered (by your own policy) under 'driving other cars', the car you borrow must have a current policy of insurance, regardless of whether that policy covers you to drive the car or not.

    Finally cutting down on the boy racer grannys with skylines in their name?


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    #4
    coylemj
    Registered Users Posts: 25,391 ✭✭✭✭coylemj


    garv123 wrote: »
    Finally cutting down on the boy racer grannys with skylines in their name?

    I think this restriction has more to do with people buying an additional car, registering it in the neighbour's name and then 'borrowing' it on a permanent basis. Wife drives the household car, husband drives the 'borrowed' car. All on one policy.


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    #5
    CiniO
    Registered Users Posts: 16,072 ✭✭✭✭CiniO


    coylemj wrote: »
    I think this restriction has more to do with people buying an additional car, registering it in the neighbour's name and then 'borrowing' it on a permanent basis. Wife drives the household car, husband drives the 'borrowed' car. All on one policy.

    Once all insurers will amend their policies to include that condition, it will be very sad time for drivers in Ireland. Taking away another option to drive at reasonable cost.

    :(


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    #6
    coylemj
    Registered Users Posts: 25,391 ✭✭✭✭coylemj


    CiniO wrote: »
    Once all insurers will amend their policies to include that condition, it will be very sad time for drivers in Ireland. Taking away another option to drive at reasonable cost.

    Only for people who are currently gaming the system and running two cars off the one policy. For the rest of us, it will be about time.


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