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Car insured lapsed for 4 days

  • 02-10-2022 12:17pm
    Registered Users Posts: 979 ✭✭✭ cubatahavana

    Hi, went on holidays and my wife forgot to renew car insurance. On Monday it’ll have lapsed for 4 days. Will she face any issues renewing it?


  • Registered Users Posts: 24,641 ✭✭✭✭ coylemj

    No, a few days will be overlooked but you currently have no cover (no days of grace with motor insurance) so get it renewed ASAP.

  • Registered Users Posts: 7,278 ✭✭✭ StupidLikeAFox

    Renew it now online?

  • Registered Users Posts: 10,391 ✭✭✭✭ elperello

    Assuming you have the renewal notice just make the payment now by EFT.

  • Registered Users Posts: 24,641 ✭✭✭✭ coylemj

    OP, if you're not using the car today and you can renew it online, do it after midnight. Otherwise you'll be paying for today, if only part of the day.

  • Registered Users Posts: 706 ✭✭✭ SATSUMA

    I did the same,caused me a bit of hassle on the phone, and the pricing had changed.

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  • Registered Users Posts: 24,641 ✭✭✭✭ coylemj

    Phoning them puts you at risk of a price hike. Because they know you will potentially have a problem getting quotes from other companies when your policy has lapsed. And you've lost your ability to negotiate a discount from the renewal price.

    So you're pretty well cornered and the best bet (after only 4 days) is to try the online renewal and if the payment is accepted, you're home and dry. I expect the clock will eventualy run out and they will refuse an online renewal after maybe 7 or 14 days but it's definitely worth the OP trying the online renewal when the policy only expired four days ago.

    Post edited by coylemj on