Car insurance.

Don't let her no claims bonus go after the ridiculous 2 years they use if she isn't a main policy holder, the premiums will skyrocket if it does.

If she has no insurance in her own name for two years then her no-claims discount is gone. You said she sold her car two weeks ago so for the moment, she has nothing to worry about.

She should phone her insurance, tell them she has sold her car, wants to borrow an uninsured car from her father and ask if they will temporarily move her cover to that car, they may agree. If they won't agree, she should ask to have her policy suspended. Though it's so slose to the renewal date that they probably won't do that.

If she has sold her car, she should not simply renew the policy and let the clock run with no car insured.

Always try to remember about that ridiculous 2 year rule they have, I know a few people who didn't know about it and after 30 odd years of a perfect driving record they were back to getting quotes like an 18 year old! I have reminders set on my calendar just in case I forget who needs to alternate the policy.

You can do temporary transfers to cars you don't own, people do it all the time with cars from garages. The problem you have is that come the 1st Feb you have no policy to do a temporary transfer from.

If her Dad's car isn't worth much you could transfer it to her and then transfer it back to her Dad when she gets her new car, she can then insure it which will also clear the owed motor tax. Another option is if you have GoCar or Yuko close by or hire a car(s) for a few weeks, the crazy prices from a few years ago are gone.

A newish car with 2 change of ownerships in a short period of time will be a red flag.

Then get her Father needs to insure it and add her as a named driver, he'll take a hit on insurance when cancelling the policy so soon after taking it out, or look at renting for a few weeks.

Yep, it's a jump through hoops game with them!

OP, once you give honest and truthful answers on the proposal form, you're in the clear but watch out when you tick the box 'I have read and agree to the terms and conditions'. Be sure to read the Ts & Cs and sometimes there is a list of 'Assumptions' which you also need to read.

So in 2019 there was passed a piece of legislation called Consumer Insurance Contracts Act, this was enacted in September 2020. This changed the nature of insurance contracts one this being insurable interest being a requirement for a contract of insurance(something not known by Board members), there is no longer a requirement to have insurance interest in what you want to insure, so you no longer need to "own" a car before you can insure it.

But an insurer can still refuse to insure a car that you do not own. Or allow you to take out a fire policy on the house across the road. The law says they can't refuse a claim on the basis that the policyholder has no insurable interest in the asset, it does not say that they are obliged to issue a policy in the first place.

So if, in the Ts and Cs or the 'Assumptions' that you click on, it says that the policyholder must be the registered owner and principal driver of the car being insured, that rules out insuring a car that you do not own.

https://www.irishstatutebook.ie/eli/2019/act/53/section/7/enacted/en/html#sec7

You need to read the assumptions and T&Cs. They will happily take your money with few questions, if you need to use the policy they will ask questions.

You don't have to volunteer anything but you do have to read the assumptions and T&Cs.

The OP has Aviva not asking if they own the car on the list that they posted. When they ticked the assumptions box to get the quote they never bothered to read them as the 3rd assumption about YOUR car on the website is

At claim time Aviva don't need to spring something out of the hat and make out that it was a 'material fact' that you failed to disclose. The OP ticked a box saying that they owned the car when they don't, which is a fairly major material fact.

Would you not just ring them at this stage and ask? People here can only give you advice the actual insurance company can give you the facts which you can ask to be emailed to you so you have proof of what was said.

I ran an Aviva online quote out of pure curiosity - ownership of the vehicle being quote is not one of the assumptions.

Apologies I have no issue, genuine interest on my own part. Apols if you took that up the wrong way.

Seems to be the norm on Boards from what I see. As I say absolutely no issue.

Apologies again