You don't need to be an 'investor' to invest in Singletrack: 6 days left: 95% of target - Find out more
Not sure if overlap is the right word, but let me explain.
Potentially picking up a new car tomorrow, but will have the old car (and will need to drive it) until Tuesday.
How do I deal with the insurance?
Will an insurer allow me to change the main car on the current policy but not have the old one drop off for 3 days?
Or do I need to get some kind of temporary insurance?
Thanks all.
When I've had similar situations they've let me insure both cars at the same time for a small amount extra.
Or do I need to get some kind of temporary insurance?
Are you getting 7 days free cover on the new car? If yes, use that on new car and change car on policy once old car gone.
If no, then temp cover is quite normal - you can arrange with your insurer if they do it (not all do temp covers) for a fee, or you can buy a separate temp insurance policy for the time period required.
Or also... 😛
As a financial product, car insurance policies are legally required to come with a 'cooling-off period', which gives you the right to cancel no-questions-asked during the first 14 days. This begins when you receive your paperwork or when the cover starts (whichever is later).
Might be cheaper than 3 days temp cover, see where I'm going with this? 😉
Might be cheaper than 3 days temp cover, see where I’m going with this? 😉
Now there's a thought 😂 Just need to make sure it's not one of the brands that still charge cancellation fees in the cooling off.
As a financial product, car insurance policies are legally required to come with a ‘cooling-off period’, which gives you the right to cancel no-questions-asked during the first 14 days. This begins when you receive your paperwork or when the cover starts (whichever is later).
That doesn't mean there's no charge for it. Insurers (and brokers) routinely apply setup and cancellation fees. And there's a thing called Time on Risk which is a proportionate charge for the number of days on cover.
The op has the correct advice - speak to your insurer and they'll add both temporarily. Other routes are possible but that's probably the easiest.
As mentioned above I've managed to have both cars insured on the same policy for a week or two in the past when I've been changing cars.
Last year I was insured with an Aviva online only policy, who let you change insured vehicle online but there was no option to add temporary cover for a second car. As it was online only I couldn't call up to do it either. So not all insurers and policies allow this, but if you can I'd call them and ask.
I ended up using Cuvva for a temporary insurance policy of about 9 days as it was close to my renewal, then started the new policy on the same car. Cuvva specialise in temporary insurance from 1 hour to 28 days, so handy for short term cover on another car.
Just ring your insurer and ask them to add your new car to the policy for a week or two while you sell the old one. I've never had an issue requesting this.