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insurance for multiple vehicle categories ?

  • 15-05-2025 03:09PM
    #1
    wsa30h
    Registered Users, Registered Users 2 Posts: 139 ✭✭


    Hi guys does anyone know if there is insurance that would allow me to drive anything i have a licence for ? namely i have d c b car truck bus, is there some insurance that would allow you to hop into any of these vehicles ? also bonus question for my own private insurance does it make a difference that i have the licences ?



Comments

  • #2
    kirving
    Registered Users, Registered Users 2 Posts: 6,294 ✭✭✭kirving


    Yes, there is. You'd have to call you insurance company and ask though, as it won't be a standard product.

    A few years ago, I wanted "Driving Other Cars, Fully Comp" cover, and while my insurance company didn't offer it normally, they gave me what I believe was some type of trade policy after a few internal call transfers (I don't have a business).

    Caveat was, I couldn't own the car.



  • #3
    Eggs For Dinner
    Registered Users, Registered Users 2 Posts: 3,154 ✭✭✭Eggs For Dinner


    Such policies are restricted to motor traders and you will have to prove your bone fide involvement in the business



  • #4
    Henry Ford III
    Moderators, Business & Finance Moderators Posts: 17,970 Mod ✭✭✭✭Henry Ford III


    Insurance forum mods?



  • #5
    kirving
    Registered Users, Registered Users 2 Posts: 6,294 ✭✭✭kirving


    https://www.boards.ie/discussion/comment/123453340#Comment_123453340

    I specifically asked my insurer this, and they were fine with giving it to me as a consumer.



  • #6
    extra-ordinary_
    Registered Users, Registered Users 2 Posts: 2,190 ✭✭✭extra-ordinary_


    https://www.boards.ie/discussion/comment/123459949#Comment_123459949

    Which? Driving other cars or driving multiple licence class vehicles like the OP asked about?



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  • #7
    User1998
    Registered Users, Registered Users 2 Posts: 9,154 ✭✭✭User1998


    https://www.boards.ie/discussion/comment/123460421#Comment_123460421

    A motor trade policy



  • #8
    Eggs For Dinner
    Registered Users, Registered Users 2 Posts: 3,154 ✭✭✭Eggs For Dinner


    You need to be careful with the wording of what you ask for and what reply is given. Firstly, driving of other cars is exactly that. It's not driving of other 'vehicles' (the latter is sometimes available up to small size limits). You cannot own the vehicles you want to drive under this extension

    As for a one size fits all policy which an ordinary consumer can purchase, I'm not aware of any. If someone is offering you a trade policy and you are not in the business, be very wary. It was common practice some years back but insurers undertook an investigation of their portfolio and clamped down on it. If their is a genuine policy out there, then fair play. Otherwise it is fraud to say you are in the motor grade when you are not



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