Is it legal to have car insurance from southern ireland but car road tax from the uk ?
I use my car in southern Ireland for the most part( British registered )and I have an Irish insurance policy through the eire AA but my car road tax is British. I was stopped in Wales by the police for seemingly having no insurance but when I produced my document they contacted the AA and were toldthat I was indeed insured to drive the vehicle in any european country for a period of 60 days
All Irish motor insurance companies are subject to EU Directives, particularly The Third EC Directive on Motor Insurance 1992. This states all motor insurance policies issued in an EU member state (eg Ireland) automatically covers the policyholder to the minimum Third Party cover required of any other country in the EU (and certain additional countries). This means when you cross a border, you are automatically covered, to the minimum legal Third Party Cover of that country, without any obligation to inform your insurance company. There is also no maximum time period for this cover to be applicable (outside your policy going past it’s renewal date), ie you can legally go to Italy for 3 months the same way you can go to Donegal for 3 months. To confirm this, read the territorial limits on your motor insurance policy document, which should state the entire EU and additional countries (eg Norway, Switzerland). Please note what I say is related to Third Party cover only. I leave you to discuss with your insurance company where you stand in relation to your fire, theft and/or comprehensive cover.
B. Corp Law, Ll.B. Dip Comm Prop. In general practice for more then 6 years
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