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Insuring a car just to keep NCB

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  • 22-01-2019 10:33pm
    #1
    oceancat
    Registered Users Posts: 52 ✭✭


    Hi

    I haven't had a car insurance policy for nearly 2 years, now i know that to keep my full NCB i will have to have a policy within 2 years, the reason i haven't had a car is i spend a lot of time abroad and when i'm home i just rent out a car as it's usually cheap, i still have a car in ireland in my name could i just insure that before my old policy hits the 2 year lapse and then suspend it in a few weeks as i'm not going to be driving the car during this year, i just want o keep my driving record or else whenever i will go back driving my NCB will be gone.

    The 2year lapse will be at the end of this month and i have got an ok quote online,

    Will there be any problems doing this as the car the is not going to be on the road?


Comments

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    #2
    Marcusm
    Registered Users Posts: 10,350 ✭✭✭✭Marcusm


    Are you still resident in Ireland? Doesn’t sound like it and therefore you’ll find it hard to obtain a legitimate/valid policy.


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    #3
    Atlantic Dawn
    Registered Users Posts: 82,784 ✭✭✭✭Atlantic Dawn
    M


    Some insurers insist on the car having valid NCT and tax, others don't, could be worth checking this with them before taking out a policy.


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    #4
    [Deleted User]
    Posts: 7,499 ✭✭✭ [Deleted User]


    who will ever know if the cars off the road?
    loads of people insure licence plates


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    #5
    iwillhtfu
    Registered Users Posts: 6,372 ✭✭✭iwillhtfu


    I was doing that myself for a good while car parked on the drive it got to the point where I didn't bother with NCT or tax as I have a company vehicle. I think I did it for 3 years then figured it was a waste of time and money. A ridiculous requirement which makes no sense at all to be honest.


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    #6
    [Deleted User]
    Posts: 7,499 ✭✭✭ [Deleted User]


    iwillhtfu wrote: »
    I was doing that myself for a good while car parked on the drive it got to the point where I didn't bother with NCT or tax as I have a company vehicle. I think I did it for 3 years then figured it was a waste of time and money. A ridiculous requirement which makes no sense at all to be honest.

    you only have to do it every 3rd year


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    #7
    iwillhtfu
    Registered Users Posts: 6,372 ✭✭✭iwillhtfu


    BrownFinger wrote: »
    you only have to do it every 3rd year

    Ah only if you plan on junking the car as they're not big fans of sitting there doing nothing for a long time. It was also used from time to time I think I was paying €380 TPFT. I think insurance in general needs an overhaul over here as many have said previously insurance should be linked to the driver not the car.


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    #8
    oceancat
    Registered Users Posts: 52 ✭✭oceancat


    well i just took the policy out with 123.ie. 322 euro TPFT, i will suspend it in a few weeks, the car is kept in a garage so no chance of it being on the road.

    anytime i have been coming back to ireland in the last few months i have been hiring out a car, i just had a hire car for the last 3 weeks just under 5 Euro a day it was costing so cheap.


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