as i go to ireland on a regular basis iv bought a little run about rather than keep hiring but trying to find the cheapest way to insure it, don’t no if any irish ins companies do short term insurance, any ideas.
NO YOU FAIL!!!!
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July 23rd, 2010 at 8:00 pm
You will need to ring your insurer and ask if your insurance covers you. Every insurer is different.
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July 23rd, 2010 at 8:49 pm
Best to check with your current insurer. If you aren’t resident in Ireland I doubt an Irish insurance company would insure you but they all have different policies.
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July 23rd, 2010 at 9:22 pm
Unfortunately, no. All Irish cars must display an insurance cert on the windscreen. To the best of my knowledge, U.K. insurance companies do not issue these.
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July 23rd, 2010 at 10:07 pm
NO YOU FAIL!!!!
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July 23rd, 2010 at 10:19 pm
A sensible question so a sensible answer.
You will have to ring your insurance company and ask. I would say it is highly unlikely that your current insurance will cover driving in Southern Ireland but it will for Northern Ireland.
They will charge you a temporary premium for this but usually not some crazy figure. Most companies would now class this type of cover as EU cover rather than specifically being cover in Ireland.
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July 23rd, 2010 at 10:40 pm
The short answer is no.
The long answer is…
Even though there are a number of insurance companies that operate in both Ireland and the UK (as well as many other countries), the only legitimate basis for obtaining insurance on an Irish-registered vehicle is to obtain an insurance certificate issued in accordance with the (Irish) Road Traffic Act 1961. Such a certificate can only be issued by an Irish-based branch of an insurance company (a branch of the same company in another country can NOT issue one) and they can only be issued to an address in Ireland.
Also, even if a non-Irish company offers you insurance on an Irish-registered car, it won’t have any legal validity and you’ll encounter significant problems with both the Gardai and the Motor Tax Office. Some companies have actually done this in the past and drivers have ended up in Court for driving without insurance because of it. Their vehicle gets impounded, they get fined, disqualified from driving (which, despite what many people think, DOES translate into a disqualification in ALL EU states) and face the possibility of a 6-month prison sentence. Not a situation you want to get yourself into.
That said, do you actually need an Irish-registered car? If you have a car in the UK, most British insurance companies will provide cover on that throughout the European Union for a period of time (usually up to 90 days) as a standard part of their policies. All insurance companies in all EU states do this. It would mean you could drive your (British-registered) car in Ireland for up to 90 days and still be covered by your own insurance company in the same way you would if driving in the UK itself. The Irish authorities would simply treat you as akin to a tourist for that length of time.
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