Hi Daigo75, I need to insure my LHD car here in Ireland too... what did you do in the end? Found any broker at a reasonable price?
Thanks in advance for any tips you can give me on that...
I checked 123.ie and Axa - both have terms and conditions stating clearly that the car MUST be right hand drive. I am not sure if the insurance you all bought is valid - probably not...
Thanks for reply
Sorry if my tone was improper, I am not trying to discredit anyone, but still think that a majority of LHD cars owners bought invalid insurance.
StormBlast said:Example: 123.ie some time ago didn't mind to insure LHD car. I bought insurance from them. Today they sent me a renewal proposal... all I have to is pay the premium and enjoy the renewed policy, which would be invalid as today their web site clearly says that they don't insure LHD. The renewal letter doesn't say anything about LHD.
StormBlast said:AXA - their web site says "Has been first registered in Ireland or the UK" - it probably is not strictly equal to LHD, but in 99% is. So is there a different policy on the internet and different on the phone ? Or do the agents just sell to get a bonus ?
StormBlast said:AA - true, they do it as AVIVA broker, they quoted me at almost 800 euro (when 123 offers the renewal for 420)
I wouldn't depend on the word of the insurance company over the phone Daigo75 (i've dealt with insurers for many years). I would check the original proposal form that you signed for the company. If it mentions that the car is LHD on that, then there's no issue, if it doesn't then I would ask them to send out a new proposal form.
I believe that the policy doesn't have to say that the car is / can be LHD... it should be enough not to exclude it.
Afraid not guys. An insurance contract is based on the principal of good faith, which means you have a duty to disclose all material facts, whether asked or not by the insurer. A vehicle being LHD is certainly a material fact, so the onus is on you the client to disclose this to the insurer. If you do not have specific written disclosure proof (i.e that this was particularly disclosed to them on a proposal form), then you run the risk of not being insured.
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