Get an insurance on a second car?
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Get an insurance on a second car?
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Hi all,
i am italian and i have a car insurance in my name since 10 years with no claims.I am living in Ireland now and i bought a car and when i asked for the insurance 3 different companies told me that if i want to use my no claim bonus on my irish car,i should cancel my italian insurance.But is this legal?I mean...i need to have a car insurance in Italy,i come back home often.Plus,in italy if you buy a second car you can use the bonus also in the second insurance.But,i am not very familiar with irish law,could you please help me?
Thanks
Valentina
Additional Details
but mal g what u say?i cannot claim for an accident with 2 different insurances,simply because in europe is the insurance is linked to the car not to the driver. in ireland and uk is the opposite. so,if i have an accident in ireland,i cannot claim anything in italy...where my seat arosa is insuranced.Not my irish punto.it's just a mess.there is no europe at all,it's pure anarchy.
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mal g
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Just do what the insurance company says and cancel your Italian insurance. The insurance cover you will get in Ireland will, in most cases, cover you for all other European countries anyway.
The reason they ask you to cancel your Italian insurance, is to ensure you cannot make two claims in the event of an accident.
*edit*
Confusing,but...... Forget what you can do in Italy, you are in Ireland. I take it you have a car in Italy which you use when you go there. What happens to that car when you are in Ireland? If no one uses it can you not get temporary insurance for the time you are there.
*edit2*
Let's see if I have this right. You have a car in Ireland that is used only by you, and you don't use it outside of Ireland. You have another car in Italy, which you use when you go there, but when you are not there anyone can use it. Why not get the other users of your 'Italian' car to share the cost of the insurance between them, thereby making your 'Irish' insurance more affordable as you could use your no claims bonus. (Although there may be some communication difficulty)
As has already been pointed out, a second car in most of Europe means you have to 'start from the beginning' when insuring it.
Anyway, whatever you do .......Good Luck |
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Martha E
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based upon your situation,I think you should find something useful here http://www.Autoinsurancepro.info/auto-insurance-free.htm |
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Sir Bart
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I don't know if this will help but in england you would usually have to start a new policy as it seems you are being told. However two years ago I had the same problem and by ringing round found that Swinton insurance would offer me a discount equivalent to my current no claims bonus. good luck |
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