Daughter named driver but is moving abroad

M

mtk

Registered User
Messages
683
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
 
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
 
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.
 
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.
 
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.
 
  • Like
Reactions: mtk
Bluefin said:
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
Click to expand...
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.
 
Dr Strangelove said:
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….
Click to expand...
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?".
 
The best working principle when dealing with insurance underwriters is to declare everything.
I say this even where there may be no apparent legal obligation to do so.

If everything is declared underwriters then lose the chance to argue non-disclosure or misrepresentation or the like.
The law did change in recent years about what must be declared (to redress the balance in favour of the customer).
However, if the contract is worded in a certain way there may be a specific requirement to declare a material fact.

Insurance contracts might not specifically describe a particular situation.
Be extremely wary of interpretation in any particular way just because a specific contingency is not described in the policy wording.
People doing this can come to grief on the matter of the interpretation of a contract wording.

Where relevant, a material fact is defined as one that is capable of influencing the judgment of an insurance underwriter in deciding whether or not to accept a risk proposed for insurance and, if so, upon what terms and conditions. The concept usually also applies at renewal of a policy.

IMHO mtk should tell the insurance underwriters of the exact change of circumstances to keep themselves on the right side of right !
This should be done in writing. If insurers are alright with the situation be sure to get confirmation also in writing.
There may not even be any terms imposed.
This approach may seem overly cautious but you need to be sharp when dealing with insurance underwriters.
 
I had asked 123.ie for my son, who lives in the EU. Their reply:

(Thank you for your email. I hope you are well.
To add a permanent driver, they need to be a resident living in Ireland.
However, you can add him a temporary driver on the policy.
Temporary drivers can only add on to the policy for a max of 37 days per policy year.
This can be done online or over the phone.
You can quote to add/remove car/drivers temporarily or permanently online at https://portal.123.ie/ and avail of a 10% discount if there is any additional premium.)
 
If the extra drivers are aged between 25 and 70 it might be cheaper to add open driving rather than named drivers to the policy.
I have 2 such extra drivers added to a Zurich car policy and this is cheaper than having them as named drivers.

There are no restrictions regarding whether they are resident in Ireland or not


PMC034 - Open Driving
In addition to cover for you and any insured drivers noted on your certificate and schedule as being insured to drive, the following drivers are also covered under this policy:
- Any person between the ages of 25 and 70 who is driving with your permission, provided they hold a Full Irish, Full UK, or Full EU licence
The above applies, provided the driver:
- Holds a licence to drive the insured vehicle or having held such a licence, is not disqualified from holding or obtaining a licence, and has no more than 6 penalty points
- Has not been convicted of a motoring offence or received any criminal conviction relating to motor vehicles, other than those considered 'Spent'
- Does not have any prosecution pending relating to motor vehicles
- Does not have cover to drive the insured vehicle under any other policy
- Is not a person in the motor trade driving the insured car for the purpose of overhaul, upkeep or repair for you
- Observes the terms, conditions, exceptions and endorsements of the policy in so far as they can apply
We shall not be liable in respect of any loss, damage, liability and/or injury whatsoever arising out of any event occurring whilst the Insured Vehicle is being driven or in the custody for the purpose of being driven by any person under the age of 25 or over the age of 70 years, unless noted on your certificate and schedule as being insured to
drive.
 
You must log in or register to reply here.
Back
Top