Need to drive uninsured car two hours to collect insured car. Ins Co won't swap cover

iwillhtfu

Special Circumstances wrote: »

First one on your list makes no mention of it in current policy documentation
https://www.allianz.ie/allianz-insurance-documents/

– Driving other Cars
We will insure You in respect of legal liability, as provided under Section 1 (Third Party
Insurance) whilst You are driving another Private Car, provided such Private Car:
1. Does not belong to You or Your employer.
2. Is not hired or leased to either of the parties described above under a Hire Purchase or
Leasing Agreement.
3. Is not the property of or in the custody or control of a Motor Trade business of which You are a director, member or employee.
Cover under this Endorsement is limited to use within Ireland and the United Kingdom only.

Again the first one

Special Circumstances

iwillhtfu wrote: »

Hang on a second is the first point not a game ender.

"The vehicle is not owned by you or your employer or hired to you or them under a hire-purchase or lease agreement;"

Sorry CramCycles "fake news" took things off on a tangent into "driving other cars" in general rather than your specific scenario.

The obvious solution in most cases (again, you've ruled this out I know) is to get a sane and sensible family member or friend to use their third party extension to move the uninsured car.

loyatemu

I've never been clear on why an insurance company would care whether the other car has a policy connected to it. The legal requirement is 3rd party cover and that's all that's provided by the "driving other cars extension" - that's connected to the driver, not the car. The only issue that I can see is if the other car didn't have an insurance disc.

(none of this is particularly helpful to the OP - is there no-one who could give you a lift there?)

seamus

Akrasia wrote: »

Unless you're an idiot and park the car in a dangerous place causing an accident, a parked car isn't going to cause any insurance risk to other drivers

A car cannot be parked in a public place without an active insurance policy.

iwillhtfu wrote: »

Hang on a second is the first point not a game ender.

Yes. Now that the OP has clarified that she effectively owns both vehicles, then she cannot drive the old car on the new car's insurance policy.

TallGlass

Just thinking, wouldn't it be great if we could insure the driver, rather than the car. One can dream I suppose :pac:

TallGlass

seamus wrote: »

A car cannot be parked in a public place without an active insurance policy.

Yes. Now that the OP has clarified that she effectively owns both vehicles, then she cannot drive the old car on the new car's insurance policy.

Thought it was just tax needed?

iwillhtfu

TallGlass wrote: »

Just thinking, wouldn't it be great if we could insure the driver, rather than the car. One can dream I suppose :pac:

It would certainly save a lot of headache but like most things the few would ruin it for the many :rolleyes:

TequilaMockingBird

Akrasia wrote: »

You're unlucky to have arse holes as an insurance company. Most companies don't require the vehicle to be otherwise insured.

But regardless the OP has third party only insurance so probably doesn't have driving other cars on her policy so this doesn't apply

I have fully comp, but apparently because old banger car is still in my name they can't transfer my ins over for the 48 hours.

seamus

TallGlass wrote: »

Thought it was just tax needed?

No, insurance too. The legislation says, "use" in a public place, but people have been done for having the vehicle parked in public and uninsured.

TequilaMockingBird

machiavellianme wrote: »

Something doesn't add up. How are you getting the car you drive out there back home?
Or are you abandoning it / selling it on while you are there?

I have insurance on the car in Belmullet. I leave the old banger on the farm, off the road - usually.

Blackjack

TequilaMockingBird wrote: »

I have insurance on the car in Belmullet. I leave the old banger on the farm, off the road - usually.

you could get a bus from Sligo to Ballina and then on to Belmullet from there.

I'm sure the seller would meet you in Belmullet with the car if its already a done deal.

If you are buying from Kennedy's the the Blacksod bus stops in Binghamstown....

TequilaMockingBird

xabi wrote: »

Why wont insurance do a temp swap? Tell them its a loaner from garage while your car gets fixed.

I didn't know this so just asked for it to be temporarily swapped to my other car.

billybonkers

Car needs to be insured to drive it with the "other cars" extension on any policy.
Get a bus/train up there?
Get a lift from a mate?

TequilaMockingBird

Blackjack wrote: »

you could get a bus from Sligo to Ballina and then on to Belmullet from there.

I'm sure the seller would meet you in Belmullet with the car if its already a done deal.

If you are buying from Kennedy's the the Blacksod bus stops in Binghamstown....

It's in the garage out past Blacksod.

TequilaMockingBird

billybonkers wrote: »

Car needs to be insured to drive it with the "other cars" extension on any policy.
Get a bus/train up there?
Get a lift from a mate?

I literally hadn't thought of any of those ideas. Thank you.

TequilaMockingBird

Sorry. I'm cranky. I have two cars. Spend €100 a month on insurance + tax + maintenance and I had to spend €15 on a taxi to hospital yesterday.

I need a lotto win.

CantGetNoSleep

TequilaMockingBird wrote: »

Sorry. I'm cranky. I have two cars. Spend €100 a month on insurance + tax + maintenance and I had to spend €15 on a taxi to hospital yesterday.

I need a lotto win.

Sell one of them

CramCycle

CramCycle wrote: »

Allianz
AXA
AIG

Have all required it, both verbally and on the document for me. I also think Quinn had it but I don't think I was covered to drive other cars with them, that was along time ago.

FBD in my fathers case

Cannot remember any other insurers.

I've been with Axa until recently enough and they don't require it. Liberty have never required it either especially when they were quinn. 123.ie don't require it and as far as I know Allianz don't require it either.

seamus

In all seriousness, it might be worth putting up a request on the Mayo and/or Sligo forums;

http://www.boards.ie/vbulletin/forumdisplay.php?f=952

Someone might be making the trip who can give you a lift to Belmullet.

Special Circumstances

billybonkers wrote: »

Car needs to be insured to drive it with the "other cars" extension on any policy.

Citation needed.
or

Ms Doubtfire1

take the bus!!

http://getthere.ie/sligo-belmullet/

CramCycle

Everly Aggressive Riot wrote: »

I've been insured with 3 or 4 different insurance companies as well as seeing policies from others. Never have I see the stipulation that it must be insured. That would mean most insurance companies operating in Ireland I have not seen this rule.

You are most likely misinterpreting what is said, as I've seen people claim this about their policy and when I read their cert it doesn't say it at all. The line that is usually misinterpreted is one stating that driving other cars only applies if you are not covered by another policy on the car i.e. if you are a named driver that over rules the driving other cars. People read this as meaning the other car must be insured for some reason.

Quite possible on some of them that I misread or remember incorrectly it but some of them specifically stated that the car must be owned and insured in another persons name.

Special Circumstances wrote: »

First one on your list makes no mention of it in current policy documentation
https://www.allianz.ie/allianz-insurance-documents/

– Driving other Cars
We will insure You in respect of legal liability, as provided under Section 1 (Third Party
Insurance) whilst You are driving another Private Car, provided such Private Car:
1. Does not belong to You or Your employer.
2. Is not hired or leased to either of the parties described above under a Hire Purchase or
Leasing Agreement.
3. Is not the property of or in the custody or control of a Motor Trade business of which You are a director, member or employee.
Cover under this Endorsement is limited to use within Ireland and the United Kingdom only.

Mine was via the AA but the insurance was with Allianz if that makes a difference. It is what was stated on my certificate of motor insurance, the policy reads like yours though. I can't say more than that. I used to have the ability to do it as a named driver on my partners insurance. Then it disappeared one year and when I queried it they said that is not an option. I scanned and mailed them and also asked them to refer back to previous phonecalls where they confirmed it.

Special Circumstances wrote: »

Sorry CramCycles "fake news" took things off on a tangent into "driving other cars" in general rather than your specific scenario.

Happy to concede that it is not the norm, just that it is what has been on mine, like I said maybe not every time.

iwillhtfu

First reply in from Liberty.

You may notice there is no reference that the other car cannot be registered to you but it is only for temporary usage (insert meaning/longevity here).

"Dear Sir,

Thank you for your email dated 20th January 2017

If you are a full licence holder and do not work in the motor trade our policies include a third party extension which allows the policyholder to drive another privately owned car third party only as long as it is taxed and road worthy on a temporary basis.

If there are any further queries, please do not hesitate to contact us."

Kind Regards
Sonia Gilroy
Administration Department
Private Lines
Liberty Insurance

challengemaster

iwillhtfu wrote: »

First reply in from Liberty.

You may notice there is no reference that the other car cannot be registered to you but it is only for temporary usage (insert meaning/longevity here).

But it is mentioned in the policy documents. Which is what matters.

Funmum05

Special Circumstances wrote: »

Yeah I think I was Aviva that was mentioned the last time this came up too. There's a whole bunch of reasons that Aviva won't insure me, not least because my car was damaged by a third party through no faul of my own and I had to claim off that persons policy.

Yup, Aviva won't insure anyone who has been the innocent victim of a bad driver, even if it was the bad drivers insurance that paid out.

As you didn't claim off your insurance its known as a No Blame Claim and does not need to be declared. This happened me last year and I declared the accident as I read my policy incorrect. When renewing my policy the question they ask is Have you or anyone else on your policy made a claim on the policy regardless of blame. I read this to mean I had to declare it. They marked it then on my policy as a Third party claim which meant that a third party claimed off my insurance which was not the case. I claimed off theirs. Rang my crowd and they explained to me that it should've been noted as a No Blame and that i did not have to declare it.

Special Circumstances

Funmum05 wrote: »

As you didn't claim off your insurance its known as a No Blame Claim and does not need to be declared. This happened me last year and I declared the accident as I read my policy incorrect. When renewing my policy the question they ask is Have you or anyone else on your policy made a claim on the policy regardless of blame. I read this to mean I had to declare it. They marked it then on my policy as a Third party claim which meant that a third party claimed off my insurance which was not the case. I claimed off theirs. Rang my crowd and they explained to me that it should've been noted as a No Blame and that i did not have to declare it.

Our Assumptions
Get your Aviva car insurance quote now
In offering you an online car insurance quote, we assume the following:

You (your named drivers or any person who may drive your car) driving history
Have had no claims made against you in the last three years, have no outstanding claims, nor been involved in any accident or loss


There's only two ways to interpret this assumption - they are incompetent @ssholes who can't explain themselves at all. Or they are @ssholes who won't insure people with "no blame" in any accident or loss.

9935452

TequilaMockingBird wrote: »

It's a two hour drive, Daddy Warbucks!

You should try to get a quote from a hackney firm.
A few years back i got a hackney which did a hour and a half trip one way for 60 euro . Price was prearranged