Advertisement
If you have a new account but are having problems posting or verifying your account, please email us on hello@boards.ie for help. Thanks :)
Hello all! Please ensure that you are posting a new thread or question in the appropriate forum. The Feedback forum is overwhelmed with questions that are having to be moved elsewhere. If you need help to verify your account contact hello@boards.ie
Please note that it is not permitted to have referral links posted in your signature. Keep these links contained in the appropriate forum. Thank you.

https://www.boards.ie/discussion/2055940817/signature-rules

Open Drive Insurance Question

2

Comments

  • #32
    Our man in Havana
    Closed Accounts Posts: 29,472 ✭✭✭✭Our man in Havana


    Delancey wrote: »
    I would have presumed that the position on open drive would be very similar to the UK position ?
    When watching shows like Car Wars , Traffic Cops , etc you often have situations where Police stop a car when the ANPR activates a No Insurance flag , the driver genuinely believes they are covered under their own policy but it transpires that because the vehicle does not have its own policy then the drivers policy is null and void for this situation .

    Ok I know one should take things on TV with a grain of salt but I was sure that ' open drive ' is really riddled with conditions ?
    The UK has some strange insurance customs.


  • #33
    mathepac
    Banned (with Prison Access) Posts: 4,991 ✭✭✭mathepac


    Delancey wrote: »
    I would have presumed that the position on open drive would be very similar to the UK position ? ...
    As pointed out above, don't 'presume' that UK TV cop 'documentaries' reflect insurance / motoring law in Ireland.


  • #34
    coylemj
    Registered Users, Registered Users 2 Posts: 25,762 ✭✭✭✭coylemj


    Mathepac, you picked a post from Delancey off page 1 without reading the following posts in the thread.

    I don't think anyone is too concered about whether the term 'open driving' refers to people driving your car or you driving other cars, it's not defined in the RTA, it isn't mentioned (specifically as a term) on insurance certificates and I'm sure it means different things to different insurance companies.


  • #35
    mathepac
    Banned (with Prison Access) Posts: 4,991 ✭✭✭mathepac


    coylemj wrote: »
    Mathepac, you picked a post from Delancey off page 1 without reading the following posts in the thread. ...
    No, in fairness I read the entire contents of yet another mind-numbingly boring thread about the same topic again and before losing the will to live, I posted the definitions above. The posts subsequent to Delancey's seemed to me to be discussing "driving other cars" and NOT "open driving" - check for yourself.
    coylemj wrote: »
    ... I don't think anyone is too concered about whether the term 'open driving' refers to people driving your car or you driving other cars, it's not defined in the RTA, it isn't mentioned (specifically as a term) on insurance certificates and I'm sure it means different things to different insurance companies.
    OP seemed to be concerned about it as that is the thread title " Open Drive Insurance Question" so it seemed important (to me at least) to define accurately for OP what "open driving" means once and for all before dying.

    I wouldn't be too sure about some of the things your post seems sure about though.

    I am of course willing to be guided by our knowledgeable mods ...


  • #36
    pa990
    Registered Users, Registered Users 2 Posts: 3,883 ✭✭✭pa990


    From my experience of dealing with insurance companies: everything is fine and everything is covered until you try and make a claim.

    Get whatever you need clarified, in writing and in plain English.


  • Advertisement
  • #37
    Our man in Havana
    Closed Accounts Posts: 29,472 ✭✭✭✭Our man in Havana


    +100000

    Get anything they say in writing.


  • #38
    mathepac
    Banned (with Prison Access) Posts: 4,991 ✭✭✭mathepac


    pa990 wrote: »
    ... Get whatever you need clarified, in writing and in plain English.
    To be fair to them they have improved since the days of "the party of the first part" type legalese lingo designed to make work for lawyers and drive claims costs through the roof.


  • #39
    Our man in Havana
    Closed Accounts Posts: 29,472 ✭✭✭✭Our man in Havana


    You still can't trust the vultures as far as you can throw them a rotting carcass.


  • #40
    Anan1
    Registered Users, Registered Users 2 Posts: 22,815 ✭✭✭✭Anan1


    Our man in Havana wrote: »
    You still can't trust the vultures as far as you can throw them a rotting carcass.
    ?? You never should have. You pay for the cover detailed in your policy schedule, and that's what you get. It's hardly the ins cos fault that people seem to prefer guessing/assuming/starting a thread on the internet to actually checking what their policy covers.


  • #41
    Gophur
    Closed Accounts Posts: 1,921 ✭✭✭Gophur


    Delancey wrote: »
    Forgive me for stating the bleeding obvious here but it is really important to remember that the vast majority of ' open drive ' policies require the car other than yours to have its own separate insurance policy.
    In otherwords if your friend has just bought a Ford Focus and has not yet put insurance in place then you are NOT insured to drive it despite having an ' open drive ' policy.

    Like I said , forgive me for highlighting something that many / most of you already know.

    Can you explain the purpose of this so-called "other" insurance ?

    You are saying, for me to have cover on driving other cars (which I have), there must be some phantom insurance policy in place, somewhere, under which nothing is covered?

    So, if I am driving another car I have to produce someone else's policy, for my insurance to be valid?

    If you look at a policy, the "insured", is the person, not the car.

    You are scaremongering.


  • Advertisement
  • #42
    Vertakill
    Registered Users, Registered Users 2 Posts: 2,262 ✭✭✭Vertakill


    Gophur wrote: »
    Can you explain the purpose of this so-called "other" insurance ?

    You are saying, for me to have cover on driving other cars (which I have), there must be some phantom insurance policy in place, somewhere, under which nothing is covered?

    So, if I am driving another car I have to produce someone else's policy, for my insurance to be valid?

    If you look at a policy, the "insured", is the person, not the car.

    You are scaremongering.

    A lot of companies do actually specify an active/valid policy to be in place on the 'other' car that you're intending to drive.
    There's only a select few that don't require the car to have a current policy or tax/nct.


  • #43
    Euripides_
    Registered Users, Registered Users 2 Posts: 107 ✭✭Euripides_


    Vertakill wrote: »
    Gophur wrote: »
    Can you explain the purpose of this so-called "other" insurance ?

    You are saying, for me to have cover on driving other cars (which I have), there must be some phantom insurance policy in place, somewhere, under which nothing is covered?

    So, if I am driving another car I have to produce someone else's policy, for my insurance to be valid?

    If you look at a policy, the "insured", is the person, not the car.

    You are scaremongering.

    A lot of companies do actually specify an active/valid policy to be in place on the 'other' car that you're intending to drive.
    There's only a select few that don't require the car to have a current policy or tax/nct.



    Has anyone come across an engine size limit on driving other people's cars???


  • #44
    mathepac
    Banned (with Prison Access) Posts: 4,991 ✭✭✭mathepac


    sorry, going round in bleedin' circles, internet broke twice on me


  • #45
    Sparticous
    Registered Users, Registered Users 2 Posts: 30 ✭Sparticous


    can a person with a full licence but has a endorcement and is 25 drive on a person open drive policy


  • #46
    Anan1
    Registered Users, Registered Users 2 Posts: 22,815 ✭✭✭✭Anan1


    Sparticous wrote: »
    can a person with a full licence but has a endorcement and is 25 drive on a person open drive policy
    Depends on the policy. Assume you're not covered until you're 100% certain that you are.


  • #47
    Our man in Havana
    Closed Accounts Posts: 29,472 ✭✭✭✭Our man in Havana


    If the cert says your covered that's good enough for the law.


  • #48
    Sparticous
    Registered Users, Registered Users 2 Posts: 30 ✭Sparticous


    does anybody have a policy that says a person with a endorcement cant drive on it


  • #49
    hondasam
    Closed Accounts Posts: 34,418 ✭✭✭✭hondasam


    Sparticous wrote: »
    can a person with a full licence but has a endorcement and is 25 drive on a person open drive policy

    Depends on the policy, mine is anyone not under the age of 30 and not over the age of 70 providing they have a full lic and are not disqualified.


  • #50
    Sparticous
    Registered Users, Registered Users 2 Posts: 30 ✭Sparticous


    hondasam wrote: »
    Depends on the policy, mine is anyone not under the age of 30 and not over the age of 70 providing they have a full lic and are not disqualified.
    so basically if someone was 30 and has a full licence with a endorcement the can drive on your policy


  • #51
    Alanstrainor
    Registered Users, Registered Users 2 Posts: 23,157 ✭✭✭✭Alanstrainor


    Sparticous wrote: »
    so basically if someone was 30 and has a full licence with a endorcement the can drive on your policy

    Man...just get whoever has the policy to ring their insurance company and ask.

    No matter what anyone says on here, even if the policy appeared to be exactly the same, you won't know for certain until you ask, and even get it on paper that you can drive.


  • Advertisement
  • #52
    Sparticous
    Registered Users, Registered Users 2 Posts: 30 ✭Sparticous


    but they should have it in writing on the policy holders cert..i will make sure everything is legit.just finding out what i can before i ring insurance companys


  • #53
    coylemj
    Registered Users, Registered Users 2 Posts: 25,762 ✭✭✭✭coylemj


    Sparticous wrote: »
    but they should have it in writing on the policy holders cert..i will make sure everything is legit.just finding out what i can before i ring insurance companys

    The cert. isn't an exhaustive document because by design it's only a single page, the policy document is what you need to consult.

    Do not rely on anything you may be told over the phone. The terms and conditions of the policy says that the policy document rules and no employee has the authority to vary or even to interpret any of those conditions.

    Anything said to you on the phone can be denied if it's at variance with the policy and even if you recorded the call and had the agent's name, they can still repudiate anything that was said on the basis that it is at variance with the policy so in law you cannot rely on anything that someone tells you on the phone.


  • #54
    hondasam
    Closed Accounts Posts: 34,418 ✭✭✭✭hondasam


    Sparticous wrote: »
    so basically if someone was 30 and has a full licence with a endorcement the can drive on your policy

    It does not say anything about endorsements.


  • #55
    Our man in Havana
    Closed Accounts Posts: 29,472 ✭✭✭✭Our man in Havana


    Gardaí don't care what a policy says, all that they care about is the cert. If the certs says your covered as far as the law is concerned you are.


  • #56
    mathepac
    Banned (with Prison Access) Posts: 4,991 ✭✭✭mathepac


    Our man in Havana wrote: »
    ... If the certs says your covered as far as the law is concerned you are.
    That is not correct. You need to read the policy and certificate together to understand the contract between the insurer and the policy-holder.

    The cert will reference (by number) sections & paragraphs in the policy document so you must have both together.


  • #57
    rcanpolat
    Registered Users, Registered Users 2 Posts: 146 ✭✭rcanpolat


    My policy lets me drive other cars as long as they are ncd'd, not under mine name leased etc. They don't need to have insurance from someone else.

    So technically I could buy a second car but register it to my girlfriend and drive it third party only without her or me having to pay for any insurance on it for me to drive... Correct?

    I would need my insurance papers if I'm stopped... But I would be legally covered yea???


  • #58
    Foxhole Norman
    Registered Users, Registered Users 2 Posts: 5,875 ✭✭✭Foxhole Norman


    rcanpolat wrote: »
    My policy lets me drive other cars as long as they are ncd'd, not under mine name leased etc. They don't need to have insurance from someone else.

    So technically I could buy a second car but register it to my girlfriend and drive it third party only without her or me having to pay for any insurance on it for me to drive... Correct?

    I would need my insurance papers if I'm stopped... But I would be legally covered yea???

    This is a 6 year old thread but anyway, yes, that's how it works, some companies require the car to be insured as far as I know but most don't. The only problem I can see with it is parking it in public places with inspectors, you will be ticketed for no insurance disc.


  • #59
    rcanpolat
    Registered Users, Registered Users 2 Posts: 146 ✭✭rcanpolat


    Foxhole Norman wrote: »
    This is a 6 year old thread but anyway, yes, that's how it works, some companies require the car to be insured as far as I know but most don't. The only problem I can see with it is parking it in public places with inspectors, you will be ticketed for no insurance disc.

    But you could protest the ticket since you are insured yea?

    Also sorry for digging up the grave - lol


  • #60
    Foxhole Norman
    Registered Users, Registered Users 2 Posts: 5,875 ✭✭✭Foxhole Norman


    rcanpolat wrote: »
    But you could protest the ticket since you are insured yea?

    Also sorry for digging up the grave - lol

    No you can't as the fine would be for non display, not for having no insurance.


  • Advertisement
  • #61
    Atlantic Dawn
    Registered Users, Registered Users 2 Posts: 86,187 ✭✭✭✭Atlantic Dawn
    GDY151


    You could stick your current insurance disc in the window, the policy number would be whatg qualifies what you can or can't drive, couldn't be done for non display with it.


Advertisement