Can you drive a car with no insurance if you have your own insurance with multi-car option?

Warbeastrior

Its to get an old car down to a NCT centre etc before selling.

Thanks

mulbot

My insurance allows this, check though because on mine it states, as long as not owned by me, leased or hired under a HP or lease agreement to me, or as long as I'm not using it through a business. Other than that, I'd say you're ok

NickNickleby

My insurance permits me to drive another car, as long as it doesnt belong to me, nor on hire to me. However the small print states that the actual owner of the car must have it insured themselves.

JVince

Some do, some don't. So best to check the policy terms and conditions which would have been sent with the certificate.

Any policy I have ever seen states the car has to have insurance on it in someone else name.

Reason being if you wanted a second car and didn't want to pay insurance you could just put it in a relatives name and drive it every day on your existing cars policy

creedp

https://www.boards.ie/discussion/comment/122475857#Comment_122475857

Mines's the same. I've heard that some insurance companies allow this so long as you or spouse don't own the car but any company I checked with advised car would have to be covered by another policy.

mulbot

https://www.boards.ie/discussion/comment/122475899#Comment_122475899

I'm with Zurich, no problem with the other cars not being insured.

mk7r

https://www.boards.ie/discussion/comment/122475894#Comment_122475894

I have only ever known 2 companies to do this, it's extremely rare

jonnygee

Just assume that you cant. I asked my insurance company the same question a few years ago for the same reason and they replied that I could, however my next insurance quote doubled. They dont want to take a risk on people that might do that.

mulbot

https://www.boards.ie/discussion/comment/122476178#Comment_122476178

If it's written on the policy then they allow for that,or at least who I'm with, Zurich, and AXA not sure bout other companies

Sono

https://www.boards.ie/discussion/comment/122475894#Comment_122475894

that’s exactly it.

kirving

It can depend, even within Comprehensive polices within the same company. I specifically wanted "driving other cars fully comprehensive" which my insurer didn't offer as a general policy, so they put me (as a regular customer) onto some kind of trade policy so I had fully comp on any car I didn't own.

Eggs For Dinner

https://www.boards.ie/discussion/comment/122477042#Comment_122477042

If you are not legitimately in the motor trade, taking out such a policy could land you in a heap of bother

Nux_BlackThumb

https://www.boards.ie/discussion/comment/122475894#Comment_122475894

Did exactly that for years as my policy stated I could drive other cars once "in a roadworthy condition", it wasn't illegal and nobody died - although to be fair it wasn't just a second car, it was 2 of them. I already had paid for: Car insurance for main car, van insurance, classic car insurance, camper insurance and motorbike insurance. I couldn't add more cars to my main policy, they weren't old enough to add to the classic policy, I could have taken out separate policies on both of them but would not have been able to apply NCD to them.

Insurance here is a disgraceful setup, insure the damn driver already ffs.

csirl

Most insurance companies will allow you to temporarily substitute a car for a day or two if you contact them in advance.

Ronney

All Insurance Policies in Ireland have a 14 day cooling off period. You could take out insurance and cancel.

Henry Ford III

Insurance forum Mods?

Hooked

Don't most insurers allow you to transfer to another car, temporarily, once… for free (or charged something like 50 quid)?

I've done this a few times in the past (when buying 2nd hand cars) - claiming that my current car was in a garage for work, etc… and had access to another car for a few days, to allow me to drive the uninsured car home.

Warbeastrior

Thanks all for the info. Much appreciated

kirving

https://www.boards.ie/discussion/comment/122477522#Comment_122477522

I don't know that it was a "trade" policy as such, but it was certainly some type of policy that wasn't offered to regular customers, and was only because I pushed them on driving other cars fully comp.

It was 100% above board, I didn't have to have a business, VAT number, or anything like that at all. I'll dig out the policy when I'm home, but would have been Zurich, AXA, or RSA.