Temp Car Insurance to get Irish car back to IRE

If you are already insured in another car and your policy has cover for driving other cars you don't own just temporarily "sell" the car to a mate and then drive it back and have mate "sell" car back to you.

sparkie_e wrote: »

Hi Guys,

Just wondering if anyone has any solutions to my problem, I have an Irish Reg car here currently here in the UK as i brought it over me when i started work. I cancelled the policy to save my self a few pound as the car wasnt going to be used, however this weekend I am driving it back to Ireland to give it back to the bank. So does any one have any solutions how i could get insured temporarily?

Thanks!

Two thoughts
1. It might be cheaper to just get a car transport company to bring the car over altogether, and forget driving, fuel, insurance, ferries,time off work, etc. Crosbie Transcar, or similar?
2. The Nuclear Option: Think like a Bank....tell them you and car are in UK, and you're broke, and thst THEY'LL have to arrange correction.

Tinkerbell4484 wrote: »

Go with axa,they give you 7 days to pay your 1st instalment while still providing you with cover,

So you can buy a policy, cancel it 2 days later, and then only be charged later for those 2 days??? Sounds greats.

sparkie_e wrote: »

Sounds brilliant, will certainty do that!

Thanks Again Lads!

Sorry I edited my post now.
It was supposed to be a question.

I know you can get one with Aviva, pay first instalment online with your credit card, and then cancel policy within up to 14 days, and get a refund (minus small charge).
But I was actually asking about AXA, as I just don't know.

sparkie_e wrote: »

ah ok, but if aviva do it too, its all good, as long as i get some kind of insurance and can then cancel it

AFAIK every insurance company is obliged to offer you 14 days cancellation.
However the best you want to find, is the company which will charge you as little as possible up front.
They also might apply some transaction charges I suppose.

Also bear in mind, that in case of a claim, you will be responsible for the full year's premium.

Atlantic Dawn wrote: »

If you are already insured in another car and your policy has cover for driving other cars you don't own just temporarily "sell" the car to a mate and then drive it back and have mate "sell" car back to you.

You may get away with that over here and I really hope you can't. But the UK cops won't believe it anymore than I do and the OP will be walking with large fines and points.

If the OP was involved in a crash they could end up liable for any payout.

CiniO wrote: »

Nonsense... Why would be that?

OP already explained he doesn't have insurance at all, but assuming hypothetical situation, what's wrong with selling a car to a friend and then driving it on your own policy using "driving other cars" extension?

UK cops wouldn't have any choice to believe it or not. They would just have to accept the fact all is legit.

Not 100% sure but the driving of other cars bit I think the 'other car' has to be insured also under another policy. I might be way off on this but that's how it was explained to me many moons ago.

W

keithclancy wrote: »

If a 'mate' asked me if he could register his car in my name just to get around Insurance etc I wouldn't think of him as a 'mate' anymore.

I don't know what his policy covers ?
What if he gets drunk for example and runs someone down, am I partially liable because I let him drive 'my' car ?
Will I start getting speeding fines in the Door, if hes stuck for cash now will he admit that they were driving the car at the time of the offences ?

Also, I believe for most policies that car needs to have Insurance on it for your Driving other cars extension to be valid, a few exceptions but not many.

Anyways, myself I'd never ask a friend to do that, I'd sort it out myself, properly, f*ck knows what could happen.

That's absolutely true.
Risk in on both sides.
Also your mate might f.e. after you sell a car to him and fill in paperwork, request the car from you and never give it back. He might ring gards that you have stolen it from him.

So yes - you need a really trustworthy person and you have to trustworthy as well.
I would probably have 2 or 3 really close friends like that who I could trust enough to do that.

With insurance companies requiring other cars to be insured, it's pretty rare as we already discussed it here. All policies I had so far didn't require it.

I can't agree with most of what you said.

Del2005 wrote: »

The OP doesn't even own the car. How can you "sell" something you don't own. On top of the risks to your mate that keithclancy brought up.

Where did he say he doesn't own the car?
I read the whole thread, and I didn't see anything which would say he is not the car registered keeper and owner.

Also the police and insurance companies didn't come down in the last shower. Why would somebody buy a car and then let the ex owner drive it out of the country?

And why not?
To be honest it's non of the insurance company neither police business. If paperwork is done (transfer of ownership) they can't say anything, as everything is legit.
If insurance policy allows someone to drive other cars which doesn't belong to him, fact that car was just sold to someone and is being driven by previous owner is irrelevant.

Your advising the OP to commit insurance fraud if they follow the sell and drive suggestion.

What freud. All would be by the rules. From the moment someone sells a car to other person, then this car doesn't belong to the seller anymore, and therefore seller can drive it on "driving other cars extension" to his policy. Where's the fraud?

The take out a policy and cancel is playing the insurance companies at their own game, but is again open to risk as AFAIK the 14 day cooling off doesn't apply if you use the policy and the OP will have used the policy to drive home.

Never heard about it, that you can't use the policy to be able to cancel it within statutory 14 days.
If you make a claim - then yes - you are liable for full annual premium.
But just driving a car, doesn't prohibit you to cancel policy within 14 days and get refund.

Also to make sure the policy is valid they'll have to give their UK address and say they are bringing it home.

That's actually might be true. If OP is not resident in Ireland, there might be a problem obtaining insurance in Ireland.

CiniO wrote: »

That's absolutely true.
Risk in on both sides.
Also your mate might f.e. after you sell a car to him and fill in paperwork, request the car from you and never give it back. He might ring gards that you have stolen it from him.

So yes - you need a really trustworthy person and you have to trustworthy as well.
I would probably have 2 or 3 really close friends like that who I could trust enough to do that.

With insurance companies requiring other cars to be insured, it's pretty rare as we already discussed it here. All policies I had so far didn't require it.

I still don't think so, E.G:

https://services.aviva.ie/tng/aib/AIBPolicyBooklet.pdf

Using your car abroad
We will automatically extend your policy to include the terms of endorsement
PC69, providing policy cover within the EU, for 31 days in any ‘period of
insurance’ for your car.
The following cover does not apply when you are using your car abroad.
• Driving other cars under Section 2 D (page 18)

http://www.libertyinsurance.ie/documents/motor_policy_roi.pdf

Foreign use
Your policy provides the minimum cover you need by law to use the vehicle in:
a any country which is a member of the European Union; and
b any other country which has made arrangements to meet the minimum
insurance requirements of the Commission of the European Union.
We will automatically extend this to provide your full policy cover (as shown in
the schedule) for these countries for up to 93 days in any one period of insurance.
The following cover does not apply while you are using your car abroad.
Foreign use
Your policy provides the minimum cover you need by law to use the vehicle in:
a any country which is a member of the European Union; and
b any other country which has made arrangements to meet the minimum
insurance requirements of the Commission of the European Union.
We will automatically extend this to provide your full policy cover (as shown in
the schedule) for these countries for up to 93 days in any one period of insurance.
The following cover does not apply while you are using your car abroad.
• Driving other cars (Section 2 – Liability to other people)

AFAIK theres an EU regulation covering Third Party only minimum cover within the EU, however there is no such provision for other people driving your car abroad or indeed you driving other peoples cars, you need to check.

If you have no such cover then it is very much the Police and Insurance companies business as Third Party Insurance is a minimum requirement.

CiniO wrote: »

All within "driving other cars" extension.

If you read the policy, you'll see that it states that you can drive other cars that are insured... but in this case, if the other car wasn't insured, he wouldn't be insured to drive it.

keithclancy wrote: »

I still don't think so, E.G:

https://services.aviva.ie/tng/aib/AIBPolicyBooklet.pdf



http://www.libertyinsurance.ie/documents/motor_policy_roi.pdf



AFAIK theres an EU regulation covering Third Party only minimum cover within the EU, however there is no such provision for other people driving your car abroad or indeed you driving other peoples cars, you need to check.

If you have no such cover then it is very much the Police and Insurance companies business as Third Party Insurance is a minimum requirement.

That's a fair point.
However my policy (from Allianz) doesn't have such limitation.
I can use "driving other cars" extension also when abroad. I was also told I can use it on foreign registered cars when abroad.
So it all depends on an insurer.

Your examples from aviva and liberty show you can't use them in OPs case.

CiniO wrote: »

That's a fair point.
However my policy (from Allianz) doesn't have such limitation.
I can use "driving other cars" extension also when abroad. I was also told I can use it on foreign registered cars when abroad.
So it all depends on an insurer.

Your examples from aviva and liberty show you can't use them in OPs case.

Well they do state:

http://www.allianz.ie/Car-Insurance/FAQs/Motor_Policy_Document_1210.pdf

We will also provide the minimum legal insurance required to comply with the laws relating to
the compulsory insurance of motor vehicles in any other country in respect of which the
Commission of the European Union is satisfied that arrangements have been made to meet the
requirements of Article 7 (2) of the EC Directive on insurance of civil liabilities arising from the
use of motor vehicles (No.72/166/CEE).

http://europa.eu/legislation_summaries/other/l22028_en.htm

- in so far as is possible, as to the details of the insurance of the vehicle, as they normally appear on the green card, which are in the possession of the person having custody of the vehicle, to the extent that these details are required by the Member State in whose territory the vehicle is normally based.

also:
http://europa.eu/legislation_summaries/other/l22028_en.htm

Each national insurance bureau is required to centralise and communicate to other national insurance bureaux information on accidents caused in their territory by vehicles of other Member States (such as particulars of vehicle insurance).

Not possible as the plate is not registered to any Insurance policy.


I'd check, you've be crazy to assume your covered, if you were stopped and you had a bit of paper with a different reg number it could go very wrong.

All Insurers are fine until theres a claim, they've covered their asses by saying they comply with the directive.

If it were me I'd get it in writing

CiniO wrote: »

I respect your research, but I'm afraid you are wrong here:
Your quotation from Allianz policy was incomplete. Here's all relevant text:

The first bit is research, but the second bit is directly from Solvit, 2 years back I wanted to take a Dutch car back to the Netherlands from the UK (Cheap LHD with BPM Already paid)

Hmm ... Interesting!, I had the very same question about driving a Dutch Vehicle not belonging to me abroad to the Netherlands, It had no Insurance on it, my Insurance company said I was covered but it wasn't clear if I was on an Irish License.

I opened a case with Solvit and they said that my License was a full EU License so that was no problem, however driving a car with no Insurance on the plate was outside the conditions of the Directive.

To comply the directive I would need to register the car on my policy, otherwise they couldn't comply, this read as 'does not compute' to the Insurance company a they said I was insured to drive any Dutch car, but the situation with the car being uninsured abroad was a rare one.

So basically ... Allianz are not in compliance with the Directive, they offer insurance abroad with no way to link it back to the driver

Think I'll open another case, would save me a lot of hassle !

Thanks Cinio