Currently having a bit of fun trying to get insurance sorted - here's the scenario:
I own a van, I can't use it as I'm disqualified from driving.
The van is currently SORNed
I'm moving residence and have numerous bikes etc. I need to transport.
New housemate is happy help out, get insured etc. but as he's not the registered keeper, I still am, Brentacre (my usual insurers) say they can't insure him.
2 possibilities occur to us:
Transfer van to him for the time being - and then back to me??
Spend ages contacting insurers to be told the same thing - or are there insurers out there that might not see this as such an unusual scenario?
Once moved I'll be selling it, if that matters at all.
Anyone got any helpful suggestions?
Moral of story is: don't drink and drive*.
*Other, better reasons for not drinking & driving are already apparent to me.
Day insurance? I have done this before but years ago. I took out a days insurance on a pals car.
Its fairly common to get insurance when you are not the reg keeper. It usually makes little or no difference to premium. I'm sure a comparison site will have be able to help.
Not sure if any of the day insurers will cover it if there's no policy in place for the it being on the road in the first place - but for short term cover that would be my first port of call.
Had a situation like this when I lodged with a friend and used her car that she wasn’t. Turned out much cheaper insurance wise to transfer the v5 to me. But that was for a prolonged period so was worth it and we didn’t bother swapping it back when she sold it. I just handed back the V5 (we’re very good old friends so there was never any risk for her).
For all that faff and then potential cancellation fees and/or putting more keepers on the v5 if you’re planning to sell wouldn’t it just be easier to ask your housemate to rent a van for a day?
My lad has the insurance on the car we share, I'm the main driver and registered keeper.
For all that faff and then potential cancellation fees and/or putting more keepers on the v5 if you’re planning to sell wouldn’t it just be easier to ask your housemate to rent a van for a day?
No cancellation fees in the first 14 days if you don't make any claims are there?
Try short term cover https://quote.veygo.com/start, used for learners but may work.
Cuvva
Short term insurance - hours or days. Sorted.
^^
Cuvva cost me £8 to insure my mums car for a day to move it.
Short term insurance such as Veygo requires the car to be insured fully by the owner (or someone else) too. It cannot be used as the sole insurance cover. I use Veygo for my son to drive my car occasionally.
Your mate could just take out the cheapest insurance through one of the comparison sites and then cancel within the 14 days. Most have a nominal fee (£30ish) for cancelling in this period and could charge pro-rata for any days they covered you so check the Ts&Cs. However, if you did have a claim and they could prove it was bought with the intent to cancel you may find it causes problems - slim, but a risk nonetheless. Having a different policyholder to ref keeper / owner is no issue at all.
I would suggest not swapping the name on the V5. Not only does it add an extra owner but could be a whole world of hurt if your mate ran off with it or it was stolen.
Overall I’d suggest just paying for your mate to hire a van or use a ‘man and a van’ service.
Edit - it looks as if Cuvaa doesn’t need an underlying policy so would be a good solution. Obviously you would need to tax the van though!
Nothing to add
Cheers guys. Looks like cuvva might be a winner.
Hiring a van by the day would work if I didn't also have to get an MOT and do a few tip runs
