Car insurance.

obi604

Hi

my wife is between cars at the moment. Sold her car a couple weeks ago and she needs a car.

her insurance is up also

we haven’t purchased her replacement car yet, shopping around to find the right one.

her father has a car that he essentially never drives, the car is registered in his name.

can she get insurance on this car in her own fresh policy.

any advice welcome.

goldenhoarde

She would need to own it to insure under her name.

Could look at being a named driver on his policy

con747

https://www.boards.ie/discussion/2058332934/car-insurance

Don't let her no claims bonus go after the ridiculous 2 years they use if she isn't a main policy holder, the premiums will skyrocket if it does.

obi604

https://www.boards.ie/discussion/comment/121662399#Comment_121662399

He does not even have a policy now.

obi604

https://www.boards.ie/discussion/comment/121662421#Comment_121662421

What’s this 2 year thing?

she has a no claims discount of 20 years or so

con747

https://www.boards.ie/discussion/comment/121662446#Comment_121662446

If she doesn't renew her no claims bonus by being a main driver on a policy she loses ALL her built up years and reverts back to having no no claims bonus which is absolutely a complete scam by the insurance companies. Even if she is a named driver but doesn't have a policy in her own name in Ireland it makes no difference.

obi604

https://www.boards.ie/discussion/comment/121662466#Comment_121662466

fook. So I got missed up, her insurance premium does not end until the 31st Jan

if she does not renew this on 31st Jan in her own name with her own car, does she loose her no claims bonus?

con747

https://www.boards.ie/discussion/comment/121662492#Comment_121662492

You have 2 years after your last policy to keep it active, myself and other half alternate it every year to be sure it keeps both of our no claims active. I know a spouse can own a car and the other half can insure it even thought they don't own it but not sure about other family members. Best to make the call to an insurance company to find out 100%.

obi604

https://www.boards.ie/discussion/comment/121662421#Comment_121662421

I should be fine here. Her current policy does not end until 31st Jan. and we hope to get a new car in coming weeks.

obi604

https://www.boards.ie/discussion/comment/121662466#Comment_121662466

Are you saying she loses the no claims if she does not renew insurance in her own name within 2 years?

coylemj

https://www.boards.ie/discussion/comment/121663582#Comment_121663582

If she has no insurance in her own name for two years then her no-claims discount is gone. You said she sold her car two weeks ago so for the moment, she has nothing to worry about.

She should phone her insurance, tell them she has sold her car, wants to borrow an uninsured car from her father and ask if they will temporarily move her cover to that car, they may agree. If they won't agree, she should ask to have her policy suspended. Though it's so slose to the renewal date that they probably won't do that.

If she has sold her car, she should not simply renew the policy and let the clock run with no car insured.

obi604

https://www.boards.ie/discussion/comment/121664481#Comment_121664481

ok good regrading the 2 years scenario. No issue for me there then. as hope to have another new car of her own in a few weeks or even sooner.

thing is this intermediate period where she wants to user her fathers car until we purchase a new one.

yeah her renewal is on the 31st Jan - so another week so they probably wont care, although if they want to hold on to her as a customer for another year, maybe they might care.

My high level thinking is

- insure her on her fathers car in her own name etc

- then when we get her new car (in her own name etc), just transfer the insurance over

but probably wont be as simple as this

con747

https://www.boards.ie/discussion/comment/121665131#Comment_121665131

Always try to remember about that ridiculous 2 year rule they have, I know a few people who didn't know about it and after 30 odd years of a perfect driving record they were back to getting quotes like an 18 year old! I have reminders set on my calendar just in case I forget who needs to alternate the policy.

obi604

https://www.boards.ie/discussion/comment/121665997#Comment_121665997

I definitely will, the 2 year thing wont even start for me until another week, so I am sure not to let it slip

obi604

https://www.boards.ie/discussion/comment/121665131#Comment_121665131

any more thoughts on this one?

coylemj

https://www.boards.ie/discussion/comment/121672069#Comment_121672069

Not sure why you're throwing it back at us for more suggestions 🙄

Has she asked her insurance if they will cover her to drive her father's car?

Del2005

https://www.boards.ie/discussion/comment/121672069#Comment_121672069

You can do temporary transfers to cars you don't own, people do it all the time with cars from garages. The problem you have is that come the 1st Feb you have no policy to do a temporary transfer from.

If her Dad's car isn't worth much you could transfer it to her and then transfer it back to her Dad when she gets her new car, she can then insure it which will also clear the owed motor tax. Another option is if you have GoCar or Yuko close by or hire a car(s) for a few weeks, the crazy prices from a few years ago are gone.

obi604

https://www.boards.ie/discussion/comment/121678051#Comment_121678051

Thank you. Yeah it’s tricky.

Sounds like best option would be to put the car in her name and just leave it in her name. I guess there would be no issues with selling it in her name.

and then she can insure the bloody thing properly for a few weeks.

what’s the thing about the worth of her dads car - as in when trying to sell and the number of owners is high etc?

Del2005

https://www.boards.ie/discussion/comment/121678133#Comment_121678133

A newish car with 2 change of ownerships in a short period of time will be a red flag.

coylemj

what’s the thing about the worth of her dads car - as in when trying to sell and the number of owners is high etc?

How old is her father's car and how many previous owners has it had? From what you've told us: 'her father has a car that he essentially never drives' it doesn't sound like a very recent model. Why would he have a newish car and never drive it?

You're doing a lot of tyre kicking here while the clock is running out on your wife. She can't renew her policy on Jan 31st if she has no car to insure. What I mean is that she cannot simply pay the renewal premium because the assumption is that she owns and is the principal driver of the car whose registration number is on the policy. If she no longer owns that car, she cannot renew the policy as it is currently constructed.

obi604

https://www.boards.ie/discussion/comment/121685329#Comment_121685329

It’s 2020. Was his wife’s car and she died in September.

his wife was the first owner

coylemj

Photocopy the registration cert, then ask your father in law to transfer ownership to your wife and let her insure it. If she sells the car subsequently or transfers it back to her father, she or he can show the copy of the earlier cert to a future prospective buyer to show that it was an inter-family transfer.

obi604

https://www.boards.ie/discussion/comment/121685473#Comment_121685473

thanks. Don’t get you about photocopying the registration cert.

con747

https://www.boards.ie/discussion/comment/121685492#Comment_121685492

As proof of it's ownership just being transferred between family members for insurance reasons and not a sale outside the family.

obi604

https://www.boards.ie/discussion/comment/121685545#Comment_121685545

Thanks. When you mention ‘insurance’ above, are you referring to car insurance?

what would this matter to the car insurance?

I can see it matters to selling and the less number of owners the better

aorey for the silly questions here.

Del2005

https://www.boards.ie/discussion/comment/121685473#Comment_121685473

That might cover when the OP sells. The next seller has to explain why a 2020 car has 4 owners.

Why can't she use her mother's old unused car instead of buying another car and leaving her mother's to rot?

obi604

https://www.boards.ie/discussion/comment/121685936#Comment_121685936

Her mothers car is 2020.

ita too small for our needs. We just want to use it for a few weeks whilst we buy a proper family car and then sell it.

con747

https://www.boards.ie/discussion/comment/121685919#Comment_121685919

It doesn't matter to the insurance, I only said that so if you sold the car with an extra owner on it you could explain to the new buyer why there was a change in ownership within the family so your wife could insure it under her own name. As the post above says though maybe she would be just better off keeping the car.

Del2005

https://www.boards.ie/discussion/comment/121685964#Comment_121685964

Then get her Father needs to insure it and add her as a named driver, he'll take a hit on insurance when cancelling the policy so soon after taking it out, or look at renting for a few weeks.

obi604

https://www.boards.ie/discussion/comment/121686546#Comment_121686546

Her father has not had an insurance policy in a few years. Not even truly fit to drive to be honest.

obi604

Did a couple of quotes there. Her previous broker Chill. Asks her to pick reg of car, at no point in the form does it ask who is the registered owner of the car. Quote comes back as normal pricing.

also tried with anpost insurance , this did ask who is the registered owner of car and had a drop down, picked ‘father’

quote again came back reasonable.

do certain brokers not put too much emphasis on who is the registered owner.

both fully comp quotes