Insuring My Late Dad’s Car – Options While My Own Policy Is Active?

SamantaD97

Hi all,

I currently have a fully insured car under my name with a full No Claims Bonus — that policy runs until January 2025 (RedClick). I’ve recently inherited my late father’s 2014 Volvo XC60 (1.9 diesel), and I’d like to keep it, but not use it daily.

Problem is, I can't use my NCB on a second policy, and quotes I'm getting to insure the Volvo (as a second car) are close to €2,000. I've tried Chill, 123.ie, and others with no luck, yet.

Can't drive it under DOC (Driving Other Cars) on my current policy, due to Volvo not being insured right now.

So right now I’m considering:

• Leaving the Volvo parked until January
• Concerned about mechanical issues from sitting idle for months — I've read about battery, diesel fuel, tyres, etc.

Has anyone been in a similar situation, or can recommend a broker who might offer a workaround?

Thanks in advance!

coylemj

I might have DOC (Driving Other Cars) on my current policy, but since the Volvo isn’t insured right now, I know I can't legally drive it under DOC — correct me if I’m wrong.

You may or may not be wrong on the issue that your late father's car has no policy in place, it depends on who you're policy is with as not all insurers have that condition.

But, as things stand, you will be caught either way because one of the conditions of every policy when it comes to DOC is that you must not own the vehicle. Most insurers have also a condition that rules out a car owned by your spouse or someone living in your household. So transferring the car to your other half may not work either.

Read your policy document.

mondeoman72

Can you discuss it with your insurer or talk to a broker? There has to be policies that allow two cars for you

SamantaD97

https://www.boards.ie/discussion/comment/123440843#Comment_123440843

I've reached out to brokers, hopefully they come back to me. My insures (RedClick) won't insure it or mirror NCB. Though on Chill I tried to put the two cars on it and RedClick (reached out to them with no win) came back up. Waiting on Chill to get back to me..

Buffman

You say leave it parked until January like you want to then swap over and stop driving your current car?

You don't have to wait until then, you can transfer your current insurance over to the Volvo or at least price it up, you may get charged an 'admin' fee or increased or decreased premium.

Or if you really want to run the 2 cars together with 2 different policy's, try outsurance as they don't use NCBs at all and might give you a reasonable quote without one.

SamantaD97

In January then I'd insure both under 1 policy. My car is handy for around town and just general use, my dad's would be every now and again to tip over to park or something, I couldn't bare separating with his car. Thank you I'll reach out to them

Flinty997

I know a few people who have a few cars they transfer the insurance say for a weekend or week. There's just no cheap way of doing it.

Wildly Boaring

https://www.boards.ie/discussion/comment/123441119#Comment_123441119

You can't insure 2 cars on one policy.

There isn't really any handy way to own 2 normal cars in ireland.

I vintage and 1 car or sometimes 1 car and 1 van can be wrangled.

But you're gonna have to sell one

Flinty997

I would say they'd make you insure the most expensive premium one and allow you to temporarily switch to the cheaper one. But not the other way around obviously.

SamantaD97

Found few that will take the two on one policy, I'm just gonna have to wait for my main policy to run out

Big Bag of Chips

If you have somewhere that will insure both why not just cancel your current policy and take out the new policy now rather than wait until January?