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Irish resident insuring car kept in the UK

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  • 18-01-2018 3:37pm
    #1
    Beasty
    Administrators, Social & Fun Moderators, Sports Moderators Posts: 76,508 Admin ✭✭✭✭✭


    Anyone know of any UK insurers who would insure a non-UK resident?

    Hoping to move a currently UK registered car to a holiday home in Cornwall. Irish insurers cannot insure non-Irish cars for cover in the UK (unless someone can tell be otherwise), and UK insurers struggle if you don't have permanent UK residence. I think there are a few out there that can do this and was looking for any suggestions

    Thanks


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    #2
    cplwhisper
    Registered Users Posts: 797 ✭✭✭cplwhisper


    Beasty wrote: »
    Anyone know of any UK insurers who would insure a non-UK resident?

    Hoping to move a currently UK registered car to a holiday home in Cornwall. Irish insurers cannot insure non-Irish cars for cover in the UK (unless someone can tell be otherwise), and UK insurers struggle if you don't have permanent UK residence. I think there are a few out there that can do this and was looking for any suggestions

    Thanks

    Get a custons exemption letter to confirm all above case for having Irish car in Uk then UK insurance company can cover that car and suspend cover during the time u away from Uk
    Covers the risk car for Fire & Theft as no road liability needed


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    #3
    Beasty
    Administrators, Social & Fun Moderators, Sports Moderators Posts: 76,508 Admin ✭✭✭✭✭Beasty


    Thanks, but the car is already registered in the UK, but in my late father's name.

    The only solution I've been able to come up with is to have it registered and insured by someone in the UK (in this case my in-laws), with me and my wife becoming named drivers


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    #4
    shaunr68
    Registered Users Posts: 555 ✭✭✭shaunr68


    You have a UK postal addresss, utility bills in your name, presumably a bank account etc, what's the harm in telling them you're resident there?


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    #5
    Beasty
    Administrators, Social & Fun Moderators, Sports Moderators Posts: 76,508 Admin ✭✭✭✭✭Beasty


    shaunr68 wrote: »
    You have a UK postal addresss, utility bills in your name, presumably a bank account etc, what's the harm in telling them you're resident there?
    Because I'm not resident there, and an insurance contract is one of "utmost good faith". If I fail to disclose something material I leave myself open to prosecution should anything go wrong.


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    #6
    shaunr68
    Registered Users Posts: 555 ✭✭✭shaunr68


    Beasty wrote: »
    Because I'm not resident there, and an insurance contract is one of "utmost good faith". If I fail to disclose something material I leave myself open to prosecution should anything go wrong.
    Theere's not a great deal of good faith shown by insurance companies when they typically try to wriggle out of paying legitimate claims!

    Fair enough though, I appreciate it would be a little bit naughty and it's up to the individual to weigh up the risks. :)


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    #7
    BorneTobyWilde
    Registered Users Posts: 36,150 ✭✭✭✭BorneTobyWilde


    https://www.keithmichaels.co.uk/specialist-car-insurance/expat-car-insurance/living-abroad-with-a-uk-car/


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    #8
    Sue Pa Key Pa
    Closed Accounts Posts: 2,060 ✭✭✭Sue Pa Key Pa


    shaunr68 wrote: »
    Theere's not a great deal of good faith shown by insurance companies when they typically try to wriggle out of paying legitimate claims!

    Fair enough though, I appreciate it would be a little bit naughty and it's up to the individual to weigh up the risks. :)

    You're advising someone to obtain insurance by deception and then accuse insurers of not paying legitimate claims? Do you not see any link between those comments?


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    #9
    shaunr68
    Registered Users Posts: 555 ✭✭✭shaunr68


    Sue Pa Key Pa wrote: »
    You're advising someone to obtain insurance by deception and then accuse insurers of not paying legitimate claims? Do you not see any link between those comments?
    What's good for the goose...

    Anyway from what I'm reading the OP is already planning to circumvent the insurer's residence requirements by registering the car in a family member's name and then declaring them as the main driver. I don't see much difference with regard to the legitimacy of either method of deception.


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    #10
    Sue Pa Key Pa
    Closed Accounts Posts: 2,060 ✭✭✭Sue Pa Key Pa


    shaunr68 wrote: »
    What's good for the goose...
    .

    Legitimate claims never get refused. Insurers have no interest in doing that. What can happen is that people's perception of what is covered can be wrong or, more regularly, liars get caught out


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    #11
    shaunr68
    Registered Users Posts: 555 ✭✭✭shaunr68


    Sue Pa Key Pa wrote: »
    Legitimate claims never get refused. Insurers have no interest in doing that. What can happen is that people's perception of what is covered can be wrong or, more regularly, liars get caught out
    Not according to a report by Which - "Insurers avoiding settling car and home claims" citing spurious reasons for claim refusal.

    https://www.theguardian.com/money/2013/jul/14/insurers-avoiding-car-home-claims

    One common complaint was insurers agreeing to settle motor accident claims on a 50:50 basis despite there being overwhelming evidence to show that one party was at fault. Call me a cynic but this is in the interests of the insurance industry as both drivers then lose their no claims bonus and can be gouged for higher premiums.

    PS want to buy a bridge?


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    #12
    Sue Pa Key Pa
    Closed Accounts Posts: 2,060 ✭✭✭Sue Pa Key Pa


    Excuse me if I don't an article seriously which describes the principle of 50/50 as paying "half the claim".


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    #13
    Beasty
    Administrators, Social & Fun Moderators, Sports Moderators Posts: 76,508 Admin ✭✭✭✭✭Beasty


    shaunr68 wrote: »
    What's good for the goose...

    Anyway from what I'm reading the OP is already planning to circumvent the insurer's residence requirements by registering the car in a family member's name and then declaring them as the main driver. I don't see much difference with regard to the legitimacy of either method of deception.

    Excuse me but I have discussed the situation with (UK) insurers and they made this recommendation.


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    #14
    shaunr68
    Registered Users Posts: 555 ✭✭✭shaunr68


    Beasty wrote: »
    Excuse me but I have discussed the situation with (UK) insurers and they made this recommendation.
    Really? So a call centre agent has recommended that the keeper declare themselves to be the main driver when they know that not to be the case? I'd be getting that in writing if I were you.


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    #15
    Beasty
    Administrators, Social & Fun Moderators, Sports Moderators Posts: 76,508 Admin ✭✭✭✭✭Beasty


    shaunr68 wrote: »
    Really? So a call centre agent has recommended that the keeper declare themselves to be the main driver when they know that not to be the case? I'd be getting that in writing if I were you.
    They don't need to declare they will be the main driver. They are the registered owner and they put the insurance in their own name with named drivers

    Anyway, thanks for that very useful suggestion BorneTobyWilde


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    #16
    shaunr68
    Registered Users Posts: 555 ✭✭✭shaunr68


    I've always been asked who the main driver is whenever taking out a policy with multiple drivers on the same cover.

    They're clearly recommending a means of circumventing their own residence rules so I'd be wary of what they say on the phone and get it in writing. You never know, if it comes to a claim it might be just the excuse they need to refuse to pay out...


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    #17
    Beasty
    Administrators, Social & Fun Moderators, Sports Moderators Posts: 76,508 Admin ✭✭✭✭✭Beasty


    shaunr68 wrote: »
    I've always been asked who the main driver is whenever taking out a policy with multiple drivers on the same cover.

    They're clearly recommending a means of circumventing their own residence rules so I'd be wary of what they say on the phone and get it in writing. You never know, if it comes to a claim it might be just the excuse they need to refuse to pay out...
    I only need 3rd party, but I would also add that we are talking about UK insurers here, not Irish ones. Regardless I've had an answer to my original question


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    #18
    CiniO
    Registered Users Posts: 16,063 ✭✭✭✭CiniO


    shaunr68 wrote: »
    I've always been asked who the main driver is whenever taking out a policy with multiple drivers on the same cover.

    They're clearly recommending a means of circumventing their own residence rules so I'd be wary of what they say on the phone and get it in writing. You never know, if it comes to a claim it might be just the excuse they need to refuse to pay out...

    I don't actually see anything strange about that.
    As they can't offer insurance to non-residents (curious why actually, but it must be their own rules), they recommended registering car in family member's name (who is resident), getting him to insure it, and add OP as named driver (they clearly don't have a policy of not allowing non-resident named drivers).
    Then declaring that OP will be main driver, and all is sorted.

    Sounds clear enough to me.


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