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Putting 2 cars on my insurance policy

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  • 13-06-2008 2:35pm
    #1
    gaillimhabu
    Registered Users Posts: 546 ✭✭✭


    On my current policy I have a fairly old golf that is covered for 3rd party fire and theft. I also am covered to drive other cars 3rd party only.

    My sister is heading abroad for 2 months and I would like to use her car (bmw) while she is away. she has comprehensive cover for her car.

    What is the best option for me?

    1) Is it to put the bmw on my policy as my main car and have the golf as the 2nd car. I want to leave the golf on my policy in case I need to use it or if I want to add someone else to the policy so that they can drive it.

    2) Get my sister to put my name down on her policy for the bmw and leave my own policy as is which covers the golf

    3) Change car on my policy from the golf to bmw and transfer it back to the golf if I ever need to use it

    hope it's not too confusing. Any info would be greatly appreciated?


Comments

  • Options
    #2
    OldmanMondeo
    Registered Users Posts: 3,009 ✭✭✭OldmanMondeo


    gaillimhabu wrote: »

    2) Get my sister to put my name down on her policy for the bmw and leave my own policy as is which covers the golf

    Otherwise you would need to upgrade your insurance to comp. Also means if anything were to happen, hope it doesn't, the cover is as she wanted.


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    #3
    WHITE_P
    Closed Accounts Posts: 619 ✭✭✭WHITE_P


    gaillimhabu wrote: »
    Is it to put the bmw on my policy as my main car and have the golf as the 2nd car. I want to leave the golf on my policy in case I need to use it or if I want to add someone else to the policy so that they can drive it.

    Is it still possible to do this, I know my father had two cars insured on one policy, one full comp. the other TPFT, but that was years ago and I thought with the insurance getting like Ryanair and charging for every little extra these days that this option no longer available.


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    #4
    gaillimhabu
    Registered Users Posts: 546 ✭✭✭gaillimhabu


    OldmanMondeo wrote: »
    Otherwise you would need to upgrade your insurance to comp. Also means if anything were to happen, hope it doesn't, the cover is as she wanted.

    Went with option 2 allright. The bonus was it was free for her to add me as a named driver. Quinn direct are good for something :-)


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    #5
    Esel
    Registered Users Posts: 22,317 ✭✭✭✭Esel


    If you had changed your policy to the BMW, you couldn't have driven the Golf under the 'driving other cars' clause, as this clause only covers cars not owned by you (among other limitations).

    Not your ornery onager



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    #6
    Blue850
    Registered Users Posts: 2,565 ✭✭✭Blue850


    esel wrote: »
    If you had changed your policy to the BMW, you couldn't have driven the Golf under the 'driving other cars' clause, as this clause only covers cars not owned by you (among other limitations).

    and it doesn't give you cover on cars owned by your spouse/partner. Well AXA don't anyhow .


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    #7
    Omcd
    Closed Accounts Posts: 294 ✭✭Omcd


    You can't have 2 cars on the same private insurance policy anyway AFAIK.


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