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Can someone clarify the insurance situation please?

  • 01-03-2018 7:29am
    #1
    flazio
    Registered Users, Registered Users 2 Posts: 13,257 ✭✭✭✭


    General motor policies, can I attempt to get to work.
    Links to definitive answers welcome.


Comments

  • #2
    punisher5112
    Registered Users, Registered Users 2 Posts: 24,644 ✭✭✭✭punisher5112


    flazio wrote: »
    General motor policies, can I attempt to get to work.
    Links to definitive answers welcome.

    Yes.

    But remember if you modify the car in any way you must contact your insurer.


  • #3
    erica74
    Registered Users Posts: 2,619 ✭✭✭erica74


    Yes.


  • #4
    dan1895
    Registered Users Posts: 4,597 ✭✭✭dan1895


    Yes. Conor Faughan from the AA literally just said so on TV3.


  • #5
    eviltwin
    Registered Users, Registered Users 2 Posts: 17,495 ✭✭✭✭eviltwin


    What about after the 4pm curfew? If we are told it's too dangerous would driving nullify your insurance?

    I'm staying put but one of the managers in work expects night staff to come in later.


  • #6
    Mongfinder General
    Registered Users Posts: 1,992 ✭✭✭Mongfinder General


    eviltwin wrote: »
    What about after the 4pm curfew? If we are told it's too dangerous would driving nullify your insurance?

    I'm staying put but one of the managers in work expects night staff to come in later.

    What a ratbag.


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  • #7
    El Weirdo
    Registered Users, Registered Users 2 Posts: 11,647 ✭✭✭✭El Weirdo


    eviltwin wrote: »
    What about after the 4pm curfew? If we are told it's too dangerous would driving nullify your insurance?

    No. No. No.

    Just no.


  • #8
    seamus
    Registered Users, Registered Users 2 Posts: 68,317 ✭✭✭✭seamus


    This is obviously something someone decided was fact, put up on facebook and now it won't go away.

    There is no external situation that can void your car insurance. Provided you didn't lie to the insurer when you took out the insurance, then you are covered. You can be blind drunk, wearing sunglasses at night, driving the wrong way down a motorway with no lights on and sparks flying from the rims, and you will still be insured for any crash that happens.

    You buy insurance to financially protect you against your own stupidity. It would make no sense for that insurance to be void because you did something stupid.


  • #9
    Fionne
    Registered Users, Registered Users 2 Posts: 392 ✭✭Fionne


    eviltwin wrote: »
    What about after the 4pm curfew? If we are told it's too dangerous would driving nullify your insurance?

    I'm staying put but one of the managers in work expects night staff to come in later.
    Conor Faughnan said in tv last night that you are covered by insurance. However he did say that there's some clause about taking unnecessary risk that might be applied in exceptional circumstances and that would mean you would be covered 3rd party but not for repairs on your own car. He gave the examples of a doctor having to get into work = necessary risk and someone going up the Sally Gap for a look at the view = unnecessary risk.


  • #10
    griffin100
    Registered Users, Registered Users 2 Posts: 4,993 ✭✭✭griffin100


    As stated above third party liability will always be covered, i.e. if you hit someone or something and a claim is made against you your insurance will cover it. What 'may' not be covered in all instances in theory is first party liability, i.e. claims made by you as a driver for damage to your own car. Insurers could take hard line with people who intentionally drive during extreme conditions and refuse to pay out for these sorts of vehicle damage claims.


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