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Insurance has expired on my old car, I need to get it to a body shop to have a small repair done then have it insured for potential test drives. I inquired about temporary insurance cover. Cheapest quote I got was £800 for one month or £87 for a single day!!! Current insurance on new car won't allow additional cover on another vehicle. Is there another way?
Trailer. Or get the body shop to collect on their insurance. Or ask them if it would be covered on their insurance if you drove it in? (Long shot).
Change your insurance to your own car then change it back afterwards. There may or may not be a fee
How much you hoping for the car? Just sell with out getting body work done? What they quoted you for repair?
OH insure car in their name, with you as named driver, then cancel within cooling off period.
Out of curiosity, how/why can your current insurer mandate that you can't hold a policy for another car?
Even if you get the car trailered to the garage for repairs, you'll need insurance for every test drive anyone takes I think. Also I'm pretty sure it can't even be parked on the road without insurance . . . .
This is the sort of situation that causes people to ether behave illegally or even scrap a perfectly serviceable old car.
Cuvva
Take out a new policy for the car you are selling and then cancel once sold. Just make sure when you take out the new policy to not mention you plan to use the car for test drives. They don;t like that and may refuse to insure the car.
Legally, you have to SORN it immediately it's uninsured. But I think member of the motor trade can still drive it on their business insurance with trade plates, so the bodyshop could fetch it.
But you're stuffed for test drives, unless you can get it on private land. Our legislators don't seem to have considered the possibility that cars might be sold privately.
What about a dentmaster or similar repair on your drive? They come to you..
1) Get a mobile repairer in
2) Tell anyone coming to look at it they'll need to arrange their own insurance. They'll need it anyway if they want to drive the car away.
Why are you insuring for test drives. The buyer should be insuring it if they wish to test drive it not you (using a short term policy). A buyer can't drive it on your insurance (unless you buy an any driver policy).
Why are you insuring for test drives. The buyer should be insuring it if they wish to test drive it not you (using a short term policy). A buyer can’t drive it on your insurance (unless you buy an any driver policy).
im assuming that OP thinks most potential 'test drivers' will be insured 3rd party only if the car is already insured anyway. i may be wrong but if a car is uninsured elsewhere, you cant be insured to drive it on your policy.
like i say, may be wrong tho.....
Isn't the third party clause rare now (victim of bringing cover costs down) and 'in emergencies'?
FWIW I insist on fully comp cover on the vehicle being sold if a buyer wishes to drive. It also weeds out some of the tyre kickers and covers any chance of getting stung for letting someone drive your vehicle without insurance.
i may be wrong but if a car is uninsured elsewhere, you cant be insured to drive it on your policy
That's my understanding too, although I can't find it written in my Policy. But if a car is uninsured, it has to be SORN, and if it's SORN it's illegal to use it on public roads, so whether your 3rd party only cover would be valid is moot.
I fell foul of a 'can't insure a second vehicle' clause years ago when I had two cars. For some reason best known to themselves the regular insurers won't add NCD to a second vehicle, either. At the time the specialists I was using to insure the second car was very accommodating and helped get around a few foibles like that, but it just reinforced my opinion that many insurers are rip off merchants.
Have found direct line to be very good. Not relevant here but happy to insure for domestic and business use, on car and van, and could switch between car and van and transfer NCD between those too, which many insurers will not.
I thought a SORN declaration was only required if the vehicle wasn't being taxed? If you keep the car on the public road though it must be insured. No insurance, but TAX means no SORN required, but cannot be kept on the public road.
If the car is on the road then it needs its own insurance. In addition, anyone driving it, other than the insurer or people named on the insurance policy need their own policy, either a full policy or an third party driver extension on their own cars insurance.
Continuous insurance was introduced recently which means that if you don't insure your vehicle you must SORN it.
Thanks Rockhopper and Greybeard, I hadn't realised that SORN regs had changed recently.
For some reason best known to themselves the regular insurers won’t add NCD to a second vehicle,
NCB/NCD is a bonus given to you for not making a claim. Given the fact that you can insure as many vehicles as you like, you can also build up as many NCDs as you have policies. It applies to the policy, not to the driver, and in theory there is no obligation for a new insurer to accept any NCD that you’ve built up with a previous insurer. If you buy a second vehicle then your insurer may mirror your existing NCD onto the new policy but that is simply to gain your business, and if you leave them after a year, let’s say, they’ll possibly only give you one year of NCD on that policy, not the amount that they ‘mirrored’ across at the start.
Even if you get the car trailered to the garage for repairs, you’ll need insurance for every test drive anyone takes I think. Also I’m pretty sure it can’t even be parked on the road without insurance . . . .
I drive maybe twenty or thirty cars a day, mostly to and from a storage site about half a mile away, previously I drove two or three a day, at distances between seventy to three hundred or so. None of them were/are insured. It’s what trade plates are for.
However, driving a car without an MOT, other that to get it to an MOT station is illegal with or without trade plates.
CountZero - vehicles driven on tradeplates should be insured. The plates only get round registration (eg vehicles with no VRM) and taxation issues NOT insurance. To apply for trade plates you need to demonstrate you have 3rd party insurance.
"I drive maybe twenty or thirty cars a day, mostly to and from a storage site about half a mile away, previously I drove two or three a day, at distances between seventy to three hundred or so. None of them were/are insured. It’s what trade plates are for."
sounds good so countzero are you saying the OP should get some trade plates - or that the OP should insist that every test driver brings his/her trade plates ?
or is it completely irrelevent information to the original post ?