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When can I switch insurance

  • 09-10-2021 8:53pm
    #1
    Registered Users Posts: 254 ✭✭ irishguy19772


    Bought a used commercial vehicle privately today

    Seller will send off change of ownership form Monday

    Can I switch insurance Monday morning from existing vehicle or do I need to wait to get change of ownership form in the post?


    Thanks for advice



Comments

  • Posts: 0 [Deleted User]


    Presuming you drove it today, you should have done it today.



  • Registered Users Posts: 254 ✭✭ irishguy19772


    Well I drove it under sellers open insurance you condescending twat . Not what I had asked



  • Registered Users Posts: 3,371 ✭✭✭ Wildly Boaring


    No he's right.

    The minute you bought and drove he had no insurable interest in the car.

    You could and should really have insured it from that time



  • Registered Users Posts: 254 ✭✭ irishguy19772


    I apologize so. Sincerely. Long day sorry



  • Posts: 0 [Deleted User]


    Talk about an overreaction...

    Technically you're currently driving it uninsured. Avoid the cops!



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  • Registered Users Posts: 72,826 ✭✭✭✭ Atlantic Dawn


    Change of ownership process completed not needed. If you intend to tax it commercially your insurer may insist on a new policy and not a continuation of your current private car with the vehicle changed. If privately taxed they should be able to continue your private car policy on it.



  • Registered Users Posts: 254 ✭✭ irishguy19772




  • Registered Users Posts: 49,994 ✭✭✭✭ bazz26


    Is your current insurance policy on a car? Some insurance companies won't transfer an existing private policy over to a commercial vehicle permanently. You should check with your insurance company first thing Monday morning and I wouldn't drive the commercial vehicle until you can get clarity that you are actually insured to drive it.



  • Registered Users Posts: 254 ✭✭ irishguy19772


    Have an existing commercial policy....


    Thanks for advice



  • Registered Users Posts: 49,994 ✭✭✭✭ bazz26


    Should be just a straight transfer over so.



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