I went through my car insurance policy document.
I'm insured with Allianz.
Here's the document:
allianz.ie/Car-Insurance/FAQs/Motor_Policy_Document_0509.pdf
I've few doubts.
1. Section 1 of policy document describes third party cover. One thing took my attention
What I understand from quotation above, that anyone (even if named on my policy) if he/she has his/her own insurance policy, is not covered under this section.
So in other words, my wife, has her own policy (with extension allowing her to drive other cars), and even she is named on my policy, she is not covered with third party cover under my policy. (hence that with other parts of policy like fire, theft, own car damage, she is covered).
So if she will cause an accident driving my car, damage to someone else property (or someone elses injury) will have to be paid from her policy (with driving other cars extension), and damage to my car will be paid from my policy. Heh - fair play to insurance companies, as that is so smart, that we both loose NCB in case of such an accident, as both policies will be claimed from.
But actually my doubt is different.
What if that other person, has policy, but that policy doesn't cover driving other cars? Does it mean, that even if that person is named on my policy, she/hs's not covered with third party cover, which makes her/him driving uninsured? Am I right.
Also what is my case, I'm going on holidays to the Continent in future. We are driving my car there, and my wife's car is staying in Ireland parked. What I was thinking, that she'll suspend her policy for the time her car is not used. But now I'm not sure, if then while she'll be driving my car on the Continent, will she be still insured. Because even her policy will be suspended, she still will have that policy, which according to conditions on my policy, makes her uninsured with my policy, even that her policy is suspended and doesn't work.
This makes me confused, and I know there's no point in calling my insurers customer service line, as they knowledge is very little, and I already realised, they have no clue about much simpler matters, so they obviously wouldn't be able to help me with this.
2. Another thing from policy document:
That want to protect themselves against some drivers that would admit liability, even if they were not liable for accident.
But on the Continent, in most cases if there's even a small crash with foreign car (Irish reg car will be foreign car for them), there will be police called. When they come, they will investigate the scene, and state whose fault was it. They will most likely issue a fixed penalty for the driver who was at fault, and by accepting penalty you accept liability for causing a crash.
What now?
If that happens to me, what should I do?
Should I not accept that fixed penalty, and let them put case to court.
That would mean really serious hassle for me, to go to court is some foreign country, especially if I know I'm going to loose the case anyway, as it was really my fault. On the other hand though, if I accept it, my insurer can always say that I accepted liablity, and according to their rules (quoted above) they refuse to pay for the claim.
Any advice on that?
I'm insured with Allianz.
Here's the document:
allianz.ie/Car-Insurance/FAQs/Motor_Policy_Document_0509.pdf
I've few doubts.
1. Section 1 of policy document describes third party cover. One thing took my attention
In my case I have my wife as a named driver, as she drive my car sometimes.This section of your policy does not
cover:
(....)
3. any person other than you if such
person is insured under another
motor insurance policy
What I understand from quotation above, that anyone (even if named on my policy) if he/she has his/her own insurance policy, is not covered under this section.
So in other words, my wife, has her own policy (with extension allowing her to drive other cars), and even she is named on my policy, she is not covered with third party cover under my policy. (hence that with other parts of policy like fire, theft, own car damage, she is covered).
So if she will cause an accident driving my car, damage to someone else property (or someone elses injury) will have to be paid from her policy (with driving other cars extension), and damage to my car will be paid from my policy. Heh - fair play to insurance companies, as that is so smart, that we both loose NCB in case of such an accident, as both policies will be claimed from.
But actually my doubt is different.
What if that other person, has policy, but that policy doesn't cover driving other cars? Does it mean, that even if that person is named on my policy, she/hs's not covered with third party cover, which makes her/him driving uninsured? Am I right.
Also what is my case, I'm going on holidays to the Continent in future. We are driving my car there, and my wife's car is staying in Ireland parked. What I was thinking, that she'll suspend her policy for the time her car is not used. But now I'm not sure, if then while she'll be driving my car on the Continent, will she be still insured. Because even her policy will be suspended, she still will have that policy, which according to conditions on my policy, makes her uninsured with my policy, even that her policy is suspended and doesn't work.
This makes me confused, and I know there's no point in calling my insurers customer service line, as they knowledge is very little, and I already realised, they have no clue about much simpler matters, so they obviously wouldn't be able to help me with this.
2. Another thing from policy document:
That's clear enough if claim is in Ireland.Claims procedure
In connection with any injury, loss or
damage which may give rise to a
claim under the policy you must:
1. not admit liability for or sign any
statement to this effect or
negotiate the settlement of any
claim without our written
agreement
That want to protect themselves against some drivers that would admit liability, even if they were not liable for accident.
But on the Continent, in most cases if there's even a small crash with foreign car (Irish reg car will be foreign car for them), there will be police called. When they come, they will investigate the scene, and state whose fault was it. They will most likely issue a fixed penalty for the driver who was at fault, and by accepting penalty you accept liability for causing a crash.
What now?
If that happens to me, what should I do?
Should I not accept that fixed penalty, and let them put case to court.
That would mean really serious hassle for me, to go to court is some foreign country, especially if I know I'm going to loose the case anyway, as it was really my fault. On the other hand though, if I accept it, my insurer can always say that I accepted liablity, and according to their rules (quoted above) they refuse to pay for the claim.
Any advice on that?