Irish Insurance

GT_Irl

GT_Irl

Member +
Aidan@EP-styling said:
Not exactly. That particular cover is only third party and not fire and theft.

So if I were the 18 yr old with a yaris and driving somebody elses supra it really has no major effect to the insurance company cause they do not have to pay out if the supra is burned / stolen or crashed. They would only have to pay out to a car that I may crash into but not the supra, hence 3rd party only.
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yes yes yes..i understand that part, but what I dont understand is how it could potentially be legally possible for a litte spotty, inexperienced as fuck teenager too be driving a seriously fast car, I mean thats just a recipe for disaster (I have seen some young lads driving much much faster cars than mine around Cork). He/she surely wouldent have the skill/experience too handle that power. It really bothers me because he/she would undoubtedly eventually crash, kill someones family resulting in all of our names being dragged through the dirt as similar "boy racers" and of course our premiums going up. I think im going too do some reserach into this and try and get some answers from quinn etc. I honestly cannot believe that there are no restrictions on this. I know they'd only be tp (and hence legal) aiden but thats not much comfort too some family they take out. Honestly im shocked!!! Anyone else thinking the same way??? This surely cannot be right?????

edit: The main reason im saying this is that I know a lad younger than me driving an evo and hes a complete phsycopath on the road and it just bothers me that hes legally allowed a car that powerful at that age because of this stupid fucking loophole..im sorry but im geuninely annoyed about this. I could go get a skyline through my uncle no bother and throw it under my fathers name. BUt im not going too because I know I would probably crash and die!

super edit: Sorry for hijacking Dylan, if you want too start a new thread on this then feel free.

epic edit: Cheers for the info Aiden, not having a go at you , just in case ya thougth I was!!! :)
 
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Beaker

Beaker

Member +
In the UK there are age restrictions on if you can drive another car third party on your policy. I cant believe in Ireland it would be legal for me to insure a 900cc car fully comp, go out and buy an Enzo and then drive the Enzo around totally legally without having to have any insurance on it. Also what happens when you park the car and are not in it? Isnt it a legal requirement that the car must have insurance to be on the road, even if only parked up.
 
GT_Irl

GT_Irl

Member +
Beaker said:
In the UK there are age restrictions on if you can drive another car third party on your policy. I cant believe in Ireland it would be legal for me to insure a 900cc car fully comp, go out and buy an Enzo and then drive the Enzo around totally legally without having to have any insurance on it. Also what happens when you park the car and are not in it? Isnt it a legal requirement that the car must have insurance to be on the road, even if only parked up.
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The car would be owned and insured by someone else, you drive it tp then (like my Dad would be insured as number one driver and I could drive the car tp with my fully comp police on my micra or whatever 1 litre car I have!!). Thanks Beaker, thougth I was alone in my puzzlement at this apparent loophole. But according too all the lads with quinn ins there are no restrictions. I have the same thing as them but Im with axa and I have a bunch of restrictions which I think are fair considering my age and hence driving experience. Thanks for the info Beaker is well, rep'd
 
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gv1.3

gv1.3

Admin
I can confirm 110% having called up Quinn and specifically asking them to check in to the cover of a customer driving another private car that is not their own that the other car MUST be insured to at least third party level by the owner. If it is not then your policy does not insure you on this vehicle.

If anyone is driving around in a car that is not insured by the owner and thinks their policy covers it I would highly recommend calling up Quinn and double checking this. You may have some optional add-on but their standard policy DOES NOT cover this.
 
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