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Insurance dilemma. 2 year old license, 2015 car.

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  • 17-02-2022 6:56pm
    #1
    WEZANGO
    Registered Users Posts: 29 ✭


    Hi everyone! I have a dilemma that is hard to solve. I have full irish license for 2 years and it's gonna be 3 in April. Same amount of no claims bonus. My current insurance policy ends in April as well. Right now I have a 2018 1.4 engine car which I wanna change with a 2.1 engine 2015 car. My current insurer won't do a 2015 car with my current license and no claim bonus amount. What would be the correct way in this situation? If I wait for my policy to end in April, that 2015 car will probably be gone by that time. If I get that 2015 car, I'd have to cancel my current policy just 1 month prior to additional year of no claim bonus. Is it legal to sell that 2018 car and keep insurance going for another month while getting new insurance policy for the 2015 car through other insurance company?

    Also when I called my current insurer, they thought that I already bought that car and asked for proof of purchase in order to proceed, but when I told that I am just planing to buy it, they said they can't insure it. Is there some rule where they have to insure the car if I already bought it?

    Thanks in advance for you answers. Hope it's not a very mixed up explanation.



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    #2
    galwaytt
    Registered Users Posts: 12,761 ✭✭✭✭galwaytt


    https://www.boards.ie/discussion/2058233499/insurance-dilemma-2-year-old-license-2015-car

    the clue is in your post.

    If you'd bought the 2015 car, you won't be cancelling your insurance, only transferring the cover, so the policy doesn't "break", and they have to facilitate you.

    Once you break the cover, you're starting from scratch and they can simply just say 'No'.

    I'd ask them for clarity on whether the issue is the length you've held your driving licence, or the years of NCB.

    Ode To The Motorist

    “And my existence, while grotesque and incomprehensible to you, generates funds to the exchequer. You don't want to acknowledge that as truth because, deep down in places you don't talk about at the Green Party, you want me on that road, you need me on that road. We use words like freedom, enjoyment, sport and community. We use these words as the backbone of a life spent instilling those values in our families and loved ones. You use them as a punch line. I have neither the time nor the inclination to explain myself to a man who rises and sleeps under the tax revenue and the very freedom to spend it that I provide, and then questions the manner in which I provide it. I would rather you just said "thank you" and went on your way. Otherwise I suggest you pick up a bus pass and get the ********* ********* off the road” 



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