Cant find an insurer!!!! My Dad is Non-Uk Resident
Discussion
Hey All!
We have bought a stunning Dax Cobra kit car.. currently insured with Performace Direct and with my Husband and I as the drivers on the policy.
the car was purchased as a bit of a 'treat' for my dad to drive when he comes over from Spain… and having done the GRAND REVEAL 2 days ago.. I now need to get him insured!
Trouble is… Performance Direct only use Brokers who stipulate you must be UK resident.. and my Dad isn't.
The main policy holders will be me and my husband.. with my dad only driving it for a few days at a time when he visits.
What should I do???
He has an EU driving licence. He is a UK Citizen… but not a UK Reisdent. He lives in Spain
ANyone got any ideas as to where to start?
I'm guessing we would have to then cancel our current policy with PD.. and then take out a new one.. since I have also heard you cannot insure a vehicle TWICE????
Thanks
Natasha
We have bought a stunning Dax Cobra kit car.. currently insured with Performace Direct and with my Husband and I as the drivers on the policy.
the car was purchased as a bit of a 'treat' for my dad to drive when he comes over from Spain… and having done the GRAND REVEAL 2 days ago.. I now need to get him insured!
Trouble is… Performance Direct only use Brokers who stipulate you must be UK resident.. and my Dad isn't.
The main policy holders will be me and my husband.. with my dad only driving it for a few days at a time when he visits.
What should I do???
He has an EU driving licence. He is a UK Citizen… but not a UK Reisdent. He lives in Spain
ANyone got any ideas as to where to start?
I'm guessing we would have to then cancel our current policy with PD.. and then take out a new one.. since I have also heard you cannot insure a vehicle TWICE????
Thanks
Natasha
tog said:
I have a multi-vehicle policy with Footman James, some classics, some modern cars on the policy. They were happy to extend cover to my Australian friend when she visited and borrowed a car for a couple of weeks a few years ago. I don't recall what they charged, but it wasn't a lot and was certainly cheaper than a hire car.
Dear TogThank you for your input. I have called FJ three times...
1st time: girl said adamantly NO they would not allow a non-UK resident to be insured as a named driver
2nd time: another girl said yes.. they WOULD insure my Dad as a non-UK resident but only on policies underwritten by Ageas. She said someone would call me back. They didn't
3rd time: told indefinitely NO they would NOT insure any non-UK resident
I told each girl of your 'tale' and that you HAD got cover for an Australian visitor... and they said it couldn't be true!!!!
FFS
I am still no further down the line and I still cannot get cover for my poor dad! He only wants to drive it for a few days each year!!!! Said it was one of the things he wanted to drive again before he died!!!!!!! (not that he is ill.. he isn't!!!)
Towergate DONT do tailor-made policies
Stuart Collins DONT insure unusual cars
TEMP cover or One Day Insure: DONT insure classic or kit cars
What the hell do I do????? It means he can't ever drive it on UK roads.. unless he chooses to completely break the law!!!!
Its not fair!
Just spoke to Hagerty Insurance
It seems they WOULD consider my dad.. however he has to have a UK car here in his name with a policy running already..
Do I go and buy a cheap £500 car?? and dump it in our front garden and stick it in his name???
Declare it as a SORN so no road tax or MOT required?????
It seems they WOULD consider my dad.. however he has to have a UK car here in his name with a policy running already..
Do I go and buy a cheap £500 car?? and dump it in our front garden and stick it in his name???
Declare it as a SORN so no road tax or MOT required?????
Robert Elise said:
what did rk harrison say?
Cant remember what RK Harrison said.. I just emailed them again today too.. Starting to lose track of who said what!!!!! So double checking on that one now!Will report back!
Also trying Hagerty and Lockton.. as I found another thread with someone having similar problems!!
GRRRRR
Ean218 said:
What is an EU driving licence and how does a UK citizen not have a UK driving licence?
He doesn't live in UK.. he is now a Spanish Resident.. so cannot live there and drive on UK licence.. He had to apply for an EU one... and they revoke/cancel your UK licence when it is issued!Its da law
It seems I am finally getting a little closer!!!
TO ALL OF YOU OUT THERE IN THE SAME OR SIMILAR SITUATION!!! Save yourselves a lot of breath and stress and go to these people first!!!
1) A-Plan Newbury Branch. Lovely bloke took all my details this morning and is confident he CAN find me a solution. Just waiting for him to revert back now with costs etc.
2) Hagerty: Agreed to insure and cover my Dad but ONLY if he has ANOTHER car IN Uk in his name which is insured. My Plan B is to buy a cheap £500 runabout and 'park' it to gather dust on the driveway!!! Registered in his name. Not ideal!!!
3) Keith Michaels: Chap called Christian managed to find ONE company who WILL insure him. Premium was £625.00 (versus the £165 we are paying currently for just me and hubby with Performance Direct). Pricey yes. But the closest we have come to date!!!!
4) Waiting to hear back from RKH and a few others
I BLOODY KNEW THERE WOULD BE A WAY AROUND THIS!!!!
Thanks all!
PS: I 'suspect' that whilst our car is still on Irish number plates myself and Husband are not allowed to drive it in UK... is this right? I am about to get it MOTd and then send off forms to DVLA to re-register it and convert back to UK Plates (which it used to have prior to export to Ireland)... Good grief its a painful process!!!!
TO ALL OF YOU OUT THERE IN THE SAME OR SIMILAR SITUATION!!! Save yourselves a lot of breath and stress and go to these people first!!!
1) A-Plan Newbury Branch. Lovely bloke took all my details this morning and is confident he CAN find me a solution. Just waiting for him to revert back now with costs etc.
2) Hagerty: Agreed to insure and cover my Dad but ONLY if he has ANOTHER car IN Uk in his name which is insured. My Plan B is to buy a cheap £500 runabout and 'park' it to gather dust on the driveway!!! Registered in his name. Not ideal!!!
3) Keith Michaels: Chap called Christian managed to find ONE company who WILL insure him. Premium was £625.00 (versus the £165 we are paying currently for just me and hubby with Performance Direct). Pricey yes. But the closest we have come to date!!!!
4) Waiting to hear back from RKH and a few others
I BLOODY KNEW THERE WOULD BE A WAY AROUND THIS!!!!
Thanks all!
PS: I 'suspect' that whilst our car is still on Irish number plates myself and Husband are not allowed to drive it in UK... is this right? I am about to get it MOTd and then send off forms to DVLA to re-register it and convert back to UK Plates (which it used to have prior to export to Ireland)... Good grief its a painful process!!!!
Dear all
I want to thank you from the bottom of my heart for all your advice... I FOUND SOMEONE!!!!!
YES THERE IS A GOD!!!
Special Thanks to "spaximus" for his recommendation.
I called A-Plan in Newbury and spoke with a chap called IAN. He pulled it off for me
For those interested...
Our previous policy was with Performance Direct and cost £170
The new policy with A-Plan is £375.00 for JUST myself and my husband.. and then to add Dad for a week here or a week there is £36.50 per week required.
I added legal cover at £29.00 too
So.. yes it is more expensive cover.. but the main thing is... It is done!!!!!!
THANK YOU!!!
I'm sure I will be back again for future advice!!!!
I want to thank you from the bottom of my heart for all your advice... I FOUND SOMEONE!!!!!
YES THERE IS A GOD!!!
Special Thanks to "spaximus" for his recommendation.
I called A-Plan in Newbury and spoke with a chap called IAN. He pulled it off for me
For those interested...
Our previous policy was with Performance Direct and cost £170
The new policy with A-Plan is £375.00 for JUST myself and my husband.. and then to add Dad for a week here or a week there is £36.50 per week required.
I added legal cover at £29.00 too
So.. yes it is more expensive cover.. but the main thing is... It is done!!!!!!
THANK YOU!!!
I'm sure I will be back again for future advice!!!!
By the way.. A-Plan tend to have a bespoke service approach to specialist requests like this.. they TALK to the underwriters... so it isn't a case of 'you don't fit the box we are trying to put you in'
There isn't a 'computer says no' attitude!
So would highly recommend them if you have something a little specialist!!!!!
There isn't a 'computer says no' attitude!
So would highly recommend them if you have something a little specialist!!!!!
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