Daughter named driver but is moving abroad

[mtk]

Hi ,
My daughter has just moved to the UK. She wont be driving in the UK. She is a currently a named driver on my car insurance policy.
She will want to use my car here when home for the occasional weekend.

Will she still be covered now she has moved to the UK ?

many thanks

 

[ClubMan]

Check the policy booklet terms and conditions to see if this impacts cover at all?

 

[mtk]

Check the policy booklet terms and conditions to see if this impacts cover at all

I Cannot see any mention anywhere

 

[Bluefin]

TBH I’m thinking of moving abroad next year and just leave the car in the driveway insured and drive it when I’m home once a month…can’t see any reason why I need to inform anyone

 

[Dr Strangelove]

Will she still be covered now she has moved to the UK ?

Will she exchange her Irish licence for a UK one? A non-Irish licence for a named driver generally increases cost.

 

[Bluefin]

Why would she?she won’t be driving in the uk.

 

[POC]

My insurance company won't let me add my sister to my policy as a named driver because she doesn't live in Ireland. She lives in an EU country. I have added her temporarily a couple of times in the past for a small fee, but the last time I asked, the fee was huge (over €100) so I didn't do it.

 

[BlackandBlue]

Since she will be a very infrequent driver and she is only just after going to the UK it should not be an issue.
if you are concerned then I suggest ringing the insurance company tomorrow to get some clarity.

if possible leave her as a named driver and this would help her build a no claims bonus should she return to Ireland full time.

 

[TomEdison]

This may vary from insurer to insurer.

My mother lives in Ireland. I, and several of my siblings, do not.

Until she stopped driving last year, one of my siblings — the one who visits most frequently — was on her insurance as a named driver on a permanent or standing basis. He lives in London (and the insurance company was aware of this). The rest of us would get ourselves added whenever we visited. There never used to be a charge for this, but in recent years they started imposing (modest) charges for the temporary named drivers; not for the permanent one.

 

[mtk]

Will she exchange her Irish licence for a UK one? A non-Irish licence for a named driver generally increases cost.

no

 

[mtk]

Why would she?she won’t be driving in the uk.

central london

 

[Dr Strangelove]

can’t see any reason why I need to inform anyone

It’s almost certainly a condition of your insurance that you have to be resident at the address you give them.

Whether they can prove the contrary in the event of a claim is another matter however….

 

[mtk]

Result !bit the bullet , rang insurer and in her case at least its allowed

 

[Leo]

TBH I’m thinking of moving abroad next year and just leave the car in the driveway insured and drive it when I’m home once a month…can’t see any reason why I need to inform anyone

As above, if this is a policy in your name, then your address is one of the primary factors that goes into forming your policy. An insurer would almost certainly consider that a material fact. Failing to disclose same will invalidate your insurance and make it difficult and very expensive to arrange in future. Different rules apply for named drivers.

 

[ClubMan]

It’s almost certainly a condition of your insurance that you have to be resident at the address you give them.

Whether they can prove the contrary in the event of a claim is another matter however….

My current AIG policy (and others that I've had in the past with other insurers) doesn't ask for the address details of any named drivers (who don't live with me). However it does ask "How long has this driver been a permanent resident in Republic of Ireland?".