Irish resident insuring car kept in the UK

Beasty · 18-01-2018 03:37PM #1

Anyone know of any UK insurers who would insure a non-UK resident?

Hoping to move a currently UK registered car to a holiday home in Cornwall. Irish insurers cannot insure non-Irish cars for cover in the UK (unless someone can tell be otherwise), and UK insurers struggle if you don't have permanent UK residence. I think there are a few out there that can do this and was looking for any suggestions

Thanks

cplwhisper · 22-01-2018 02:10PM

Beasty wrote: »

Anyone know of any UK insurers who would insure a non-UK resident?

Hoping to move a currently UK registered car to a holiday home in Cornwall. Irish insurers cannot insure non-Irish cars for cover in the UK (unless someone can tell be otherwise), and UK insurers struggle if you don't have permanent UK residence. I think there are a few out there that can do this and was looking for any suggestions

Thanks

Get a custons exemption letter to confirm all above case for having Irish car in Uk then UK insurance company can cover that car and suspend cover during the time u away from Uk
Covers the risk car for Fire & Theft as no road liability needed

Beasty · 22-01-2018 04:07PM

Thanks, but the car is already registered in the UK, but in my late father's name.

The only solution I've been able to come up with is to have it registered and insured by someone in the UK (in this case my in-laws), with me and my wife becoming named drivers

shaunr68 · 22-01-2018 04:17PM

You have a UK postal addresss, utility bills in your name, presumably a bank account etc, what's the harm in telling them you're resident there?

Beasty · 22-01-2018 04:49PM

shaunr68 wrote: »

You have a UK postal addresss, utility bills in your name, presumably a bank account etc, what's the harm in telling them you're resident there?

Because I'm not resident there, and an insurance contract is one of "utmost good faith". If I fail to disclose something material I leave myself open to prosecution should anything go wrong.

shaunr68 · 22-01-2018 05:12PM

Beasty wrote: »

Because I'm not resident there, and an insurance contract is one of "utmost good faith". If I fail to disclose something material I leave myself open to prosecution should anything go wrong.

Theere's not a great deal of good faith shown by insurance companies when they typically try to wriggle out of paying legitimate claims!

Fair enough though, I appreciate it would be a little bit naughty and it's up to the individual to weigh up the risks.

BorneTobyWilde · 22-01-2018 05:18PM

https://www.keithmichaels.co.uk/specialist-car-insurance/expat-car-insurance/living-abroad-with-a-uk-car/

Sue Pa Key Pa · 22-01-2018 07:45PM

shaunr68 wrote: »

Theere's not a great deal of good faith shown by insurance companies when they typically try to wriggle out of paying legitimate claims!

Fair enough though, I appreciate it would be a little bit naughty and it's up to the individual to weigh up the risks.

You're advising someone to obtain insurance by deception and then accuse insurers of not paying legitimate claims? Do you not see any link between those comments?

shaunr68 · 22-01-2018 08:38PM

Sue Pa Key Pa wrote: »

You're advising someone to obtain insurance by deception and then accuse insurers of not paying legitimate claims? Do you not see any link between those comments?

What's good for the goose...

Anyway from what I'm reading the OP is already planning to circumvent the insurer's residence requirements by registering the car in a family member's name and then declaring them as the main driver. I don't see much difference with regard to the legitimacy of either method of deception.

Sue Pa Key Pa · 22-01-2018 08:43PM

shaunr68 wrote: »

What's good for the goose...
.

Legitimate claims never get refused. Insurers have no interest in doing that. What can happen is that people's perception of what is covered can be wrong or, more regularly, liars get caught out

shaunr68 · 22-01-2018 08:54PM

Sue Pa Key Pa wrote: »

Legitimate claims never get refused. Insurers have no interest in doing that. What can happen is that people's perception of what is covered can be wrong or, more regularly, liars get caught out

Not according to a report by Which - "Insurers avoiding settling car and home claims" citing spurious reasons for claim refusal.

https://www.theguardian.com/money/2013/jul/14/insurers-avoiding-car-home-claims

One common complaint was insurers agreeing to settle motor accident claims on a 50:50 basis despite there being overwhelming evidence to show that one party was at fault. Call me a cynic but this is in the interests of the insurance industry as both drivers then lose their no claims bonus and can be gouged for higher premiums.

PS want to buy a bridge?

Sue Pa Key Pa · 22-01-2018 09:52PM

Excuse me if I don't an article seriously which describes the principle of 50/50 as paying "half the claim".

Beasty · 22-01-2018 10:09PM

shaunr68 wrote: »

What's good for the goose...

Anyway from what I'm reading the OP is already planning to circumvent the insurer's residence requirements by registering the car in a family member's name and then declaring them as the main driver. I don't see much difference with regard to the legitimacy of either method of deception.

Excuse me but I have discussed the situation with (UK) insurers and they made this recommendation.

shaunr68 · 22-01-2018 10:40PM

Beasty wrote: »

Excuse me but I have discussed the situation with (UK) insurers and they made this recommendation.

Really? So a call centre agent has recommended that the keeper declare themselves to be the main driver when they know that not to be the case? I'd be getting that in writing if I were you.

Beasty · 22-01-2018 10:43PM

shaunr68 wrote: »

Really? So a call centre agent has recommended that the keeper declare themselves to be the main driver when they know that not to be the case? I'd be getting that in writing if I were you.

They don't need to declare they will be the main driver. They are the registered owner and they put the insurance in their own name with named drivers

Anyway, thanks for that very useful suggestion BorneTobyWilde

shaunr68 · 22-01-2018 10:53PM

I've always been asked who the main driver is whenever taking out a policy with multiple drivers on the same cover.

They're clearly recommending a means of circumventing their own residence rules so I'd be wary of what they say on the phone and get it in writing. You never know, if it comes to a claim it might be just the excuse they need to refuse to pay out...

Beasty · 22-01-2018 11:56PM

shaunr68 wrote: »

I've always been asked who the main driver is whenever taking out a policy with multiple drivers on the same cover.

They're clearly recommending a means of circumventing their own residence rules so I'd be wary of what they say on the phone and get it in writing. You never know, if it comes to a claim it might be just the excuse they need to refuse to pay out...

I only need 3rd party, but I would also add that we are talking about UK insurers here, not Irish ones. Regardless I've had an answer to my original question

CiniO · 23-01-2018 01:01AM

shaunr68 wrote: »

I've always been asked who the main driver is whenever taking out a policy with multiple drivers on the same cover.

They're clearly recommending a means of circumventing their own residence rules so I'd be wary of what they say on the phone and get it in writing. You never know, if it comes to a claim it might be just the excuse they need to refuse to pay out...

I don't actually see anything strange about that.
As they can't offer insurance to non-residents (curious why actually, but it must be their own rules), they recommended registering car in family member's name (who is resident), getting him to insure it, and add OP as named driver (they clearly don't have a policy of not allowing non-resident named drivers).
Then declaring that OP will be main driver, and all is sorted.

Sounds clear enough to me.

Irish resident insuring car kept in the UK

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