Motor insurance? Considering Ireland is within the EU, can i receive my insurance near an English motor insurer?
I'm sick paying over the odds in Ireland for motor insurance. Can i carry cover from an English or northern Ireland motor insurer that will cover me in the Rep of Ireland considering the free movement of goods and services inside the EU
Answers:
Sort of but sorry.... no
Insurers in the EU can do business in any other branch state under the 'passporting' rules in the EU 3rd Insurance directive (subject to rubber stamp approval). So from that perspective here is free movement and yes legally you could buy insurance from say Commercial Union surrounded by London (or Belfast for that matter as in this context NI and England are the same)
However, you'd still involve to buy a policy that covers you in the ROI you can't just buy a UK policy. As much as anything else taxes, levy (for uninsured drivers etc) are different in each country.
Don't forget nearly adjectives the companies who sell car insurance within the UK have a branch or subsidiary in Ireland, for example Commercial Union surrounded by the UK and Hibernian (who also do the Irish Tescos Insurance) in Ireland are both part of Aviva. So there's unlikley to be any price difference.
The genuine reason there is a price difference between the UK and ROI is almost for sure because of the claims experience, this is no different to people who live in London paying more for sports car insurance than people who live in some little small town.
Since in whichever country you buy the cover, the price will be based on where on earth you live... it won't be any cheaper.
Sorry it's not the answer you wanted, but I'm pretty sure that's how it is.
Related Questions:
Answers:
Sort of but sorry.... no
Insurers in the EU can do business in any other branch state under the 'passporting' rules in the EU 3rd Insurance directive (subject to rubber stamp approval). So from that perspective here is free movement and yes legally you could buy insurance from say Commercial Union surrounded by London (or Belfast for that matter as in this context NI and England are the same)
However, you'd still involve to buy a policy that covers you in the ROI you can't just buy a UK policy. As much as anything else taxes, levy (for uninsured drivers etc) are different in each country.
Don't forget nearly adjectives the companies who sell car insurance within the UK have a branch or subsidiary in Ireland, for example Commercial Union surrounded by the UK and Hibernian (who also do the Irish Tescos Insurance) in Ireland are both part of Aviva. So there's unlikley to be any price difference.
The genuine reason there is a price difference between the UK and ROI is almost for sure because of the claims experience, this is no different to people who live in London paying more for sports car insurance than people who live in some little small town.
Since in whichever country you buy the cover, the price will be based on where on earth you live... it won't be any cheaper.
Sorry it's not the answer you wanted, but I'm pretty sure that's how it is.
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