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Insurance(s)

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  • 11-10-2008 8:13pm
    #1
    chris d
    Closed Accounts Posts: 93 ✭✭


    Hey Motors board, any info on the following conundrum is welcome.

    Being from the North im planning on getting a car from my local mechanic & getting insurance up there using my mam's address. Whom i still tend to visit (or live with if you're the insurance company).

    Least that's the plan.

    My g/f is a dubliner and i just realised, will she be able to get insurance on the car?

    Maybe it's in the Good Friday Agreement. (joke)

    Anyone have experience with a similar circumstance?

    Cheers.


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    #2
    L1011
    Registered Users Posts: 68,968 ✭✭✭✭L1011


    You'd need to pretend she's living there too to get her insured on it.

    On a more serious note, if you actually had to claim on the insurance for an incident that happened when "visiting" the south; or got stopped by the Customs lads (now out every single weekend), you'd be completely screwed.


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    #3
    chris d
    Closed Accounts Posts: 93 ✭✭chris d


    Nutz. But cheers for the reply.

    Why would i be screwed though? There's nothing to say i dont live at my Ma's. Post goes there, bank account, licence are both addressed there.
    I work in the South, but live in the North situation.


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    #4
    L1011
    Registered Users Posts: 68,968 ✭✭✭✭L1011


    If it was something minor, nothing.

    If there was a few thousand in it, they'd definitely question why you were there and start investigating. If they found you were ordinarily resident in the south (e.g. 5 days over 7 for working here) you'd generally be in breach of the policy. I'm only allowed out of the Republic 90 days on year on mine (and do come close to that) - I've never seen one that would allow more than that.


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    #5
    bazzachazza
    Registered Users Posts: 1,132 ✭✭✭bazzachazza


    My current policy says I'm only covered for 30days outside of Ireland as MYOB quite rightly says the investigatior would ask where you worked etc and it would come out that you spend more than allowed outside N.I. .


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    #6
    L1011
    Registered Users Posts: 68,968 ✭✭✭✭L1011


    Come to think of it, insurers down south anyway always ask for where the car is 'ordinarily kept' rather than where you actually live. If its the same up north you'd be lying from the off.

    Also, isn't insurance in the north significantly more expensive than down here anyway? Especially with the girlfriend on the policy it might be cheaper to have it insured down here anyway!


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    #7
    MugMugs
    Registered Users Posts: 17,875 ✭✭✭✭MugMugs


    Your talking about an Insurance company here. Not the CIA.

    How can they prove that you didnt merely drive your vehicle from the risk address to the accident location ?

    They cant because they dont have time machines.

    All they can do is survey your presence in specific regions post accident but that isnt enough for them to cancel your policy and certainly wont get them out of a claim.

    Fact of the matter is, it is all WAY too much hassle to police this becuase it is unpolicable.

    OP - There is no way of being done. Customs cant touch you and if you really want to stay within your insurance conditions, go home every 30 days for a cup of tea with Mammy and drive back South again.

    Ps - Your GF CAN get insured on your vehicle as a named driver despite her residence. She does NOT have to be registered as living in your home address.

    She would also be covered to drive your vehicle under her Third Party extension should she own and insure her own vehicle and her policy permits.


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    #8
    Esel
    Registered Users Posts: 22,321 ✭✭✭✭Esel


    MugMugs wrote: »
    There is no way of being done. Customs cant touch you
    Wrong. They can, and will, if they catch you. They sometimes look for foreign cars regularly parked overnight.
    MugMugs wrote: »
    Ps - Your GF CAN get insured on your vehicle as a named driver despite her residence.
    A resident of the State can not drive a temporarily imported vehicle.

    Not your ornery onager



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    #9
    L1011
    Registered Users Posts: 68,968 ✭✭✭✭L1011


    In Ireland, insurance companies are probably better at detecting where people are and what they're doing than our equivalent of the CIA would be (that being the Gardai of course).

    Its not worth the risk, basically. You WOULD be breaking the terms of your insurance and customs certainly can touch you - anyone who thinks otherwise is being horrifically naive. You'd likely be covered under the 'personal ties' exemption for registering the vehicle but proving this is never easy.


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    #10
    MugMugs
    Registered Users Posts: 17,875 ✭✭✭✭MugMugs


    esel wrote: »
    Wrong. They can, and will, if they catch you. They sometimes look for foreign cars regularly parked overnight.

    A resident of the State can not drive a temporarily imported vehicle.

    Are you honestly trying to say that if a non resident is using a foreign vehicle in Ireland that customs can sieze? That makes no sense.... Thats like saying I go to the UK in my car and it gets taken off me.

    Thats crap. I know plenty of people from over the border driving in the republic and when stopped by Customs waved on.

    And you are wrong. A resident of the state CAN be insured on a non national vehicle in the home country of the vehicle using their "foreign" address.

    I will put money on that.


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    #11
    Esel
    Registered Users Posts: 22,321 ✭✭✭✭Esel


    MugMugs wrote: »
    Are you honestly trying to say that if a non resident is using a foreign vehicle in Ireland that customs can sieze?
    Where did I say non-resident? The OP is a resident, btw.
    MugMugs wrote: »
    And you are wrong. A resident of the state CAN be insured on a non national vehicle in the home country of the vehicle using their "foreign" address.
    You don't seem to comprehend well. I said a resident cannot drive a temp. imported vehicle. I said nothing about insurance.

    Not your ornery onager



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    #12
    chris d
    Closed Accounts Posts: 93 ✭✭chris d


    I reside all over the place at my whimsy. Well, in dublin, belfast or antrim depending on the day...

    Thanks for all the replys lads. I guess it wasn't gonna be that black and white, but looks like buying south would be the simplest option. I just need to make friends with a mechanic in the next few months to make sure i dont buy a dud.


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    #13
    MugMugs
    Registered Users Posts: 17,875 ✭✭✭✭MugMugs


    esel wrote: »
    Where did I say non-resident? The OP is a resident, btw.

    You don't seem to comprehend well. I said a resident cannot drive a temp. imported vehicle. I said nothing about insurance.

    I comprehend very well.

    The fact remains, your wrong.

    A resident CAN drive a temp imported vehicle.


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    #14
    L1011
    Registered Users Posts: 68,968 ✭✭✭✭L1011


    MugMugs wrote: »
    I comprehend very well.

    The fact remains, your wrong.

    A resident CAN drive a temp imported vehicle.

    You'd be wrong there. Clearly you comprehend very poorly.

    Unless by "imported" you mean "vehicle first registered outside of Ireland but now registered in the state" - which I doubt.


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    #15
    galwaytt
    Registered Users Posts: 12,776 ✭✭✭✭galwaytt


    MugMugs wrote: »
    I comprehend very well.

    The fact remains, your wrong.

    A resident CAN drive a temp imported vehicle.

    Sorry, but you're wrong and MYOB is correct - an Irish resident cannot drive a foreign registered vehicle.

    Ode To The Motorist

    “And my existence, while grotesque and incomprehensible to you, generates funds to the exchequer. You don't want to acknowledge that as truth because, deep down in places you don't talk about at the Green Party, you want me on that road, you need me on that road. We use words like freedom, enjoyment, sport and community. We use these words as the backbone of a life spent instilling those values in our families and loved ones. You use them as a punch line. I have neither the time nor the inclination to explain myself to a man who rises and sleeps under the tax revenue and the very freedom to spend it that I provide, and then questions the manner in which I provide it. I would rather you just said "thank you" and went on your way. Otherwise I suggest you pick up a bus pass and get the ********* ********* off the road” 



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    #16
    Seperate
    Registered Users Posts: 774 ✭✭✭Seperate


    MugMugs wrote: »
    All they can do is survey your presence in specific regions post accident but that isnt enough for them to cancel your policy and certainly wont get them out of a claim.

    It is very much enough to get them out of a claim. If they can get a signed statement from surrounding residents that the car is kept away from the risk address at least 3 nights of the week - then they can go through a legal process to get the policy voided. Known as "ab inito" in insurance talk.

    The policy holder gets back the premium they paid, and its like the policy never existed. The gardai can then prosecute for driving with no insurance.

    The investigators (if they get a suspicion), will very much follow this up before they pay out any kind of sum. Its common enough to happen. Doesn't just apply to address, can be any kind of lies - license/age/claims history etc.


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