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Can't insure car

2»

Comments

  • #32
    visual
    Closed Accounts Posts: 3,267 ✭✭✭visual


    Strip wrote: »
    My wife has a company car, her company have taken me off the insurance, I have a van that I have comerical insurance on , my problem is my insurance won't cove a private car and I can't take out a policy on her car as it is not in my name . What is the best way for me to insure her car ????
    Thanks in advance


    Its not her car it is the company she works for car.

    You can't insure it nor can you drive it without the company permission.

    Even if you had open drive insurance or your insurance gave you 3rd party cover on other cars, you still can't drive car without owners permission.
    Your wife isn't the owner so she can't give you that permission.


  • #33
    Strip
    Registered Users, Registered Users 2 Posts: 29 ✭Strip


    emeldc wrote: »
    IMO THATS BULL****.
    Either way you can't insure someone else's property. You have no financial interest in that car. It's not yours. It can't be done.

    It's is not bull , I never said I had any financial interest in the car and my wife has no financial interest in the car but she is still insured to drive it, all I want to do its get some sort of insurance on the car . Thanks for you reply it is most helpfull


  • #34
    billie1b
    Registered Users, Registered Users 2 Posts: 3,846 ✭✭✭billie1b


    Its quite simple, get your wifes company to put you on the insurance with your wife, you pay the company the cost of it. You said they don't mind you insured on it or driving it, seems like the easiest and most simple way.


  • #35
    emeldc
    Registered Users, Registered Users 2 Posts: 2,598 ✭✭✭emeldc


    Strip wrote: »
    It's is not bull , I never said I had any financial interest in the car and my wife has no financial interest in the car but she is still insured to drive it, all I want to do its get some sort of insurance on the car . Thanks for you reply it is most helpfull

    You misunderstand me. I think it's bullsh1t that the company have used the cutbacks excuse to take you off the policy. I refuse to believe that the company insurance policy will be any cheaper by taking you off it. It's not in anyone's interest to have a car that might be driven by an uninsured spouse, in fact as long as your wife has a husband I think the insurance company would insist you were covered. Are you the only one that this has happened to or does it apply to all spouses. If it's the former, then I think your not telling us something. If it's the latter, I fear your wife's company might be on the way under.


  • #36
    Maphisto
    Closed Accounts Posts: 1,014 ✭✭✭Maphisto


    Strip wrote: »
    The company own the car and cut back are why I was taken off the insurance

    Couldn't you offer to reimburse the company for that small additional expense of having you as an additional driver?

    The company would also seemed to have reduced your wife's remuneration by this move - the car was a benefit and it is now less so.


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  • #37
    emeldc
    Registered Users, Registered Users 2 Posts: 2,598 ✭✭✭emeldc


    Maphisto wrote: »
    The company would also seemed to have reduced your wife's remuneration by this move - the car was a benefit and it is now less so.


    That's an excellent point. I think there is more to this than meets the eye.


  • #38
    oldyouth
    Closed Accounts Posts: 4,754 ✭✭✭oldyouth


    If you get a policy on a primary vehicle that will allow you drive the company car under the driving of other car extension, that will be for 3rd party only and no use if you cause own damage.

    If you take out a comprehensive policy on the car, own damage claims would be paid you you as policyholder, meaning that there is the potential for claim payments under 2 policies and that would be fraud, no matter what your intentions


  • #39
    Strip
    Registered Users, Registered Users 2 Posts: 29 ✭Strip


    This is the case for all spouses across the board , it is a big international company and they won't entertain the idea of me reimbursing them . Thanks for all the ideas


  • #40
    Maphisto
    Closed Accounts Posts: 1,014 ✭✭✭Maphisto


    Strip wrote: »
    This is the case for all spouses across the board , it is a big international company and they won't entertain the idea of me reimbursing them . Thanks for all the ideas

    So they have given everyone an across the board pay cut - must be a great motivational tool especially as they're probably only saving €25pppa

    All the best


  • #41
    emeldc
    Registered Users, Registered Users 2 Posts: 2,598 ✭✭✭emeldc


    Strip wrote: »
    This is the case for all spouses across the board , it is a big international company and they won't entertain the idea of me reimbursing them . Thanks for all the ideas

    I'm sorry for your trouble 'Strip', I don't know what else to tell you. It really doesn't make good economical sense to remove all the spouses in order to save a few quid if anything at all.
    As an example, my car insurance is actually €50 cheaper with both of us covered as opposed to me being insured on my own. I queried this at the time and was told that if we were both in the car and I became ill, then my wife could take over and get us home safely, thus reducing the risk of an accident because I was ill. It's a simple example but I'm sure you can see the thinking behind it.
    Good luck with your endeavours but if your wife's company are that tight, I wouldn't want to scratch their damn car anyway.


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  • #42
    oldyouth
    Closed Accounts Posts: 4,754 ✭✭✭oldyouth


    Perhaps their fleet insurer has noticed a disproportionate amount of claims coming in from spouses and imposed a loading unless cover was restricted to employees only. That could be a significant amount per annum


  • #43
    ThisRegard
    Closed Accounts Posts: 27,833 ✭✭✭✭ThisRegard


    Maphisto wrote: »
    So they have given everyone an across the board pay cut - must be a great motivational tool especially as they're probably only saving €25pppa

    All the best

    They may either be self insured or moved companies for the fleet insurer which is cheaper, but will only cover employees.


  • #44
    djimi
    Registered Users, Registered Users 2 Posts: 13,237 ✭✭✭✭djimi


    oldyouth wrote: »
    Perhaps their fleet insurer has noticed a disproportionate amount of claims coming in from spouses and imposed a loading unless cover was restricted to employees only. That could be a significant amount per annum

    Thats exactly what I was thinking.

    Also a car that is only insured by the employee and not the spouse is likely to be used a lot less for non-work purposes, and therefore the overall risk is reduced perhaps?


  • #45
    mickdw
    Registered Users, Registered Users 2 Posts: 23,903 ✭✭✭✭mickdw


    emeldc wrote: »
    I can't say that type of extension doesn't exist but it was never offered to me. Have you a link.

    No but axa offered this extension to me. The guy at the sales desk also said that the other car didn't even need to have an insurance policy on it once it was Road worthy and road legal and I didn't own it. I didn't quite believe this so I rang them up for clear and concise written confirmation of this.
    I got a letter back stating that I had fully comp extension to other cars and that the cars did notneed insurance on them as long as nor owned by me. some of these benefits were dropped if driving outside the state and if I remember right, fully comp was excluded if driving high performance cars.


  • #46
    emeldc
    Registered Users, Registered Users 2 Posts: 2,598 ✭✭✭emeldc


    mickdw wrote: »
    No but axa offered this extension to me. The guy at the sales desk also said that the other car didn't even need to have an insurance policy on it once it was Road worthy and road legal and I didn't own it. I didn't quite believe this so I rang them up for clear and concise written confirmation of this.
    I got a letter back stating that I had fully comp extension to other cars and that the cars did notneed insurance on them as long as nor owned by me. some of these benefits were dropped if driving outside the state and if I remember right, fully comp was excluded if driving high performance cars.

    Interesting. So if the car in question is worth say €30k and is written off by the owner who may only have 3rd party cover, do you collect the cheque on the fully comp and would you hand it over to the owner. Or, if you were driving and wrote it off, would you compensate the owner with the insurance payout knowing full well that he didn't have it covered anyway.
    This is all getting very complicated :rolleyes:


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