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How to insure a second car without breaking the bank?

Ardent

I have a second car - a 17 year old BMW - that I want to be able to drive on the odd weekend. My current insurer won't let me add it as a second car to my policy, despite having been with them claim-free for many years. Rang a broker that specialises in multiple car insurance and their quote for a brand new policy is north of €800.

It just seems bizarre to me that insurance policies in this country apply to individual cars and not to the driver.

Has anyone here had additional cars insured in a cost effective way and, if so, how did you do it?

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standardg60

https://www.boards.ie/discussion/comment/120858401#Comment_120858401

I'm afraid it is, just checked my insurance policy there and the word they use is 'belong' which is a better way to describe it.

You'd have a hard time explaining that a car purchased by you and in your full time possession didn't belong to you regardless of who's name it was in.

mulbot

https://www.boards.ie/discussion/comment/120858416#Comment_120858416

It's not fraud. By that logic, if I buy my daughter or son a car from my own money, register it in their name, then I'm committing a crime of fraud by driving it using my insurance. That's utter nonsense

CoBo55

https://www.boards.ie/discussion/comment/120858444#Comment_120858444

That's exactly what I did, because of the 15 year restriction on my policy I can't drive it, but I certainly don't own it.

standardg60

https://www.boards.ie/discussion/comment/120858444#Comment_120858444

Buying a car for someone for them to insure and use and you drive it the odd time is a completely different situation.

But you knew that.

mulbot

https://www.boards.ie/discussion/comment/120858572#Comment_120858572

It's the same situation-it's not fraud

CoBo55

https://www.boards.ie/discussion/comment/120858416#Comment_120858416

I've never heard of them asking ever...

Anyway this is going round and round in circles so I'm finished.

User1998

https://www.boards.ie/discussion/comment/120858444#Comment_120858444

What logic are you using because if you read my post that is not the logic I used.

I specifically said if you buy YOURSELF a car and pretend it’s someone elses, that is fraudulent. Buying a car for your son or daughter is completely different.

The act of registering the car in someone else's name isn’t fraudulent, but if your lying to an insurance company about the true owner of a car in the event of an accident and making them pay potentially hundreds of thousands in compensation that is clearly fraudulent

How can you even argue with me that that is not fraudulent?

Allinall

For a motoring forum, there’s an awful lot of posters with a lot to learn about insurance.

Trying to “get around” clauses in insurance policies is fraud.

Ever heard of good faith?

in the event of a large claim, anyone that has tried anything regarding driving other cars, where in reality the car is theirs, is in for a serious awakening, as well as a day in court.

Del2005

https://www.boards.ie/discussion/comment/120858589#Comment_120858589

There's a reason why some companies insist on the car having a policy and posts like yours are why it'll become more common.

creedp

https://www.boards.ie/discussion/comment/120859906#Comment_120859906

Well fine if they do so be it. One thing that is irrefutable is that insurance companies are ruthlessly efficient at looking after themselves and by extension screwing their customers.

mulbot

https://www.boards.ie/discussion/comment/120859099#Comment_120859099

Because it's not. It does not matter if you drive a car belonging to son or daughter, or "someone else", the legality of the situation stays the same. It's either a crime or not, and it's not. The registered owner of the car is the official owner-There is no crime involved in driving another car registered to another person, so long as your insurance permits it.

User1998

https://www.boards.ie/discussion/comment/120860178#Comment_120860178

For a second time, you haven’t read my post.

I never said registering a car in someone elses name is a crime

I never said driving someone elses car is a crime

I said hiding who the true owner of a car is in the event of a crash and costing an insurance company potentially hundreds of thousands of euro in damages due to the fact that you lied is most certainly a crime.

mulbot

https://www.boards.ie/discussion/comment/120860223#Comment_120860223

I've read the posts. The "true" owner of the car is the registered owner.

User1998

https://www.boards.ie/discussion/comment/120860255#Comment_120860255

Ok. If it makes you sleep better at night.

mickdw

In case where someone purposely registers a car in another name for the sole purpose of driving on extension, you will not be insured should insurer have reason to investigate.

When large claims arise, do not underestimate the ability and willingness of insurers to find out the truth.

dontmindme

https://www.boards.ie/discussion/comment/120861780#Comment_120861780

The 'truth' as you say is finding out if the insured conformed to the conditions laid out in the policy. If the insurance policy stipulates that no active policy needs to be in effect on the other vehicle "not owned by the insured or spouse/partner", then I am insured to drive it under my 'other cars' clause.

Owner is defined by the name on the ownership document - the VLC.

coylemj

https://www.boards.ie/discussion/comment/120860255#Comment_120860255

If by 'true' you mean the legal owner, that is not true. In fact, there used to be a bold line of text on the old (brown) registration book which stated that the registered owner was not necessarily the legal owner of the vehicle. And that is still the case.

Say I sell a car to someone. I hand over the keys and the registration cert. (which I should not do) and he hands me the money. Legal ownership of the car transfers to him there and then. Now say he never sends the cert. to Shannon with his details on the back and he drives it around for 6 months while the car is still registered to me.

During that 6 months, who owns the car? Answer: he does. Since the day I handed him the keys and he handed over the money.

mulbot

when you sell the car, you(the seller) keep cert, get new owner to sign it and you send it in. Otherwise if you don't, the new "owner" could drive around racking up penalty points, hit and runs etc

Also,the registered owner of the car is the person responsible in law for that vehicle.

Del2005

https://www.boards.ie/discussion/comment/120861960#Comment_120861960

So if I follow the correct procedure when selling a car, by keeping the VLC, I can report it stolen as soon as the ~~buyer~~ sucker drivers off? How does the new owner of a 2nd hand car insure it without the VLC? They have no insurable interest in a car that someone else owns, so can't use it till the VLC is posted out to them.

I recently got a brand new car and you don't get the VLC till it's taxed, does that mean if I don't tax it I don't own it?

dontmindme

https://www.boards.ie/discussion/comment/120869674#Comment_120869674

The owner is not obliged to have an active insurance policy on a car they own. If the car is in use then it is the owner's responsibility to ensure the driver is insured.

Jim2007

https://www.boards.ie/discussion/comment/120857940#Comment_120857940

So you are happy to waste your money on an insurance policy that will not pay out???? You spend a lot of money on buying a car, then pay through the nose for insurance every year, knowing full well if it goes pear shape you'll end up with nothing and the costs of any third party, Plus a possible criminal conviction for fraud... I expect most people will not want to waste their money on such foolishness.

And the next time you post, try and keep it civil, bad language does nothing to improve you comments other than reflect badly on you.

User1998

https://www.boards.ie/discussion/comment/120879307#Comment_120879307

Your a bit late, did you even read the full discussion? There are posters here saying that it is fully okay to do what is being described. At least I can admit its fraudulent.

And anyway, the whole idea is that people are already paying for an insurance policy on their main car, so no its not money wasted

[Deleted User]

https://www.boards.ie/discussion/comment/120857455#Comment_120857455

If you're lying about the main driver of the car on the insurance proposal, then it IS insurance fraud.

boetstark

https://www.boards.ie/discussion/comment/120858335#Comment_120858335

The problem is your daughter needs to be the primary driver of the vehicle.

If there was a crash whilst you are driving you would be required to expect your daughter to lie to the insurance company moonlighting as being the owner and primary driver.

Some people are OK with that , I'm not because it drives up premiums for the rest of us. If you want a 2nd car. Insure it and take the hit for the first year. Simple...

the.red.baron

https://www.boards.ie/discussion/comment/120879880#Comment_120879880

there is no insurance policy except his own one though

so no fraud

legally, the owner of the car is the name on the Vehicle Reg Cert.

CoBo55

https://www.boards.ie/discussion/comment/120879937#Comment_120879937

My daughter is the primary driver and she has her own policy on the car, I can't drive it on my extension because it's over 15 years old.

CoBo55

https://www.boards.ie/discussion/comment/120879880#Comment_120879880

Lads what are ye on about???

CoBo55

https://www.boards.ie/discussion/comment/120879880#Comment_120879880

Try reading the thread Andrew before accusing me of fraud, good man.

[Deleted User]

https://www.boards.ie/discussion/comment/120880126#Comment_120880126

If he takes out a policy claiming that the main driver of the old Beamer is his son (for example), when in fact, the main driver of the old Beamer is himself, then that would be insurance fraud. I'm not talking about ownership, I'm talking about the question on the insurance proposal which asks 'Who is the main driver of the vehicle?'.

the.red.baron

https://www.boards.ie/discussion/comment/120880534#Comment_120880534

What has this got to do with the op

And where is this on the insurance exactly, only refers to owner really