Drive away insurance

have you tried ringing your current insurer and asking if the can add it onto your existing policy for a short period. Ive done a few times recently nd it has been £30 for 7 days with Aviva, much cheaper than any day insurance.

Every time I pick up a car I just phone my insurer and say "i've bought x car and need temporary cover to get it home". 24hrs is always within a quid of a week insurance so I always get a week.

To be honest I use temp cover all the time and because your insurer already knows your details the call takes minutes. My record is 4.

Here's my 2p.

For the original poster, have you tried insuring another car on a temporary policy? I know that a while back one or two insurance companies refused to deal with me (probably due a claim that initially went awry but eventually was sorted, albeit with me refusing to back down).

On a number of cars the following tend to work:

Aviva - They never used to
Cuvva
Tempcover

What profession have you put down? If in the driving trade alot will get funny then as well.

When you go ensure you have a definite means of keeping your phone charged up, even if it means buying a battery pack for your phone. I can tell the tale here.

Not so many years ago...

I bought a sheddy Peugeot 106 GTi from Scotland as a drunken eBay bid (yes, we have all been here). If I was sensible I'd have got a train back and told him to sod off. I didn't. Sorry if this sounds familiar!

Somehow I managed to get out of Scotland on the deathfinder part-worns (that the previous owner fitted) the icy lanes, where even a new motorhome felt like a Formula 1 car in terms of grip. Another area he was so tight on while claiming he was broke was with cancelling the insurance. I got the day cover insurance going before setting off which in hindsight was a very wise move.

I took along my phone with the wrong charger (it charged at 500mA and not 1A as most Smartphones need) Fortunately, it got some charge into it thankfully.

At Manchester I went to refuel and had a police car drive past me at the station. As soon as I pulled back onto the motorway he kept on following me. I felt at this point there would be a very good chance I would be pulled over. Sure enough, I was.

The conversation went as follows


"Good evening Sir"
"Good evening"
"Why do you think we have pulled you over?"
"The car's come back with no insurance"
"What makes you say that"
"The last owner told me and it is why I put some temporary cover on"


At this point they checked the car car out on their systems, some convo and banter ensued!

"OK, it's flagged up as being in Edinburgh"
"Yup, that's where I bought it from"
"Do you have any proof it is insured"
"I don't think so, I did it through my phone"
"We may need to go back to the police station to check this out"
Lady Officer
"So you have an iPhone"
"Yup"

Back to me:

"I think the cover may be emailed to me"
"OK"

I go to look and hand the phone over with the certificate

"Yup, that's fine"

The other copper then said

"With the car being miles away from Edinburgh and not on proper insurance there is a very good chance you will be stopped on the way before you hit Warwickshire"
"OK"
"Here's a crime reference no. for you to take away. If you have any issues show them this number. Have a safe trip back".



And that was that. It's one reason why I said to ensure you had charge of a near guaranteed form, to ensure you have access to documents should the charger in the car be tempremental or broken.





From my experience above and what the newspapers have been saying about Fully Comp that's rubbish.

Years ago, yes that was the case, but now the powers that be have put some stipulations in:

You can drive a car on third party assuming the following things:

• Your Fully Comp policy allows DOC ; many don't and ask you to make a further payment. Elephant et al. are one of them
• The other car has another form of insurance on it
• The other car is not owned by you

If the above was true I never would have had the issue above with the 106 and I wouldn't have bothered insuring other cars when I had more than one car.

It's even been in the papers where a number of people have now been caught out:

www.confused.com/motor-insurance/your-cover/driving-other-cars-on-your-car-insurance

www.telegraph.co.uk/money/consumer-affairs/cover-to-drive-any-car-its-a-thing-of-the-past/




While it's iffy ground anyway you are going on one massive assumption ; the seller has the car insured. Without this you don't have a leg to stand on.

Quick check on askmid tells you all you need to know. They may cancel their insurance as soon as you leave though, granted.

It was just an option. Most sellers don't have a problem cancelling their policy the following day allowing you to drive it home. I certainly wouldn't.

Check your policy, the wording on it WILL have been tightened up in the last year. I've just renewed and mine now categorically states any car on the DOC extension HAS to be owned by someone else(or technically registered to them I guess) AND be insured by someone else too, otherwise you are uninsured.

Also you can leave informing your insurance company for a day or so to change a vehicle if they arnt open, you will still be covered.

Hi, Taking up the point of the seller leaving his insurance in place, as a seller I wouldn't do it because if the buyer piles the car up on the way home and causes untold damage and or mayhem. His insurance company may try and wriggle out of it, leaving the sellers policy covering it for any claims, which will go against the seller in the future.



Far safer to take out a full policy for the car and cancel if it's a dud car because you have a 2 week cooling off period.

Colin

Theres no technically here, he would own the car the V5 means nothing, and if you got pulled any copper would figure out within a minute of talking to you that you were the new owner and therefore driving it uninsured.




Dez is right, basically done to stop the trend of buying a cheap to insure car with DOC extension and then having your evo etc registered to your mum and then driving that everyday.

My policy with Aviva doesnt say that it has to be insured though, ive searched and have found no mention of it anywhere in the documents which has suprised me. Id be certainly ring them up to check if i was to do it though - not worth the 6 points, fine and impounded car.



Be careful with this too, insurance have long since clocked on to this and pretty much every policy will incur a hefty admin charge even when cancelling within the cooling off period.

Yeah, the charge was £35. But the car was an import so I hadn't been able to get a day quote from anywhere!