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    • Pickle Pot
    • By Pickle Pot 20th Sep 16, 10:51 PM
    • 14Posts
    • 0Thanks
    Pickle Pot
    Temporary car insurance - inherited car
    • #1
    • 20th Sep 16, 10:51 PM
    Temporary car insurance - inherited car 20th Sep 16 at 10:51 PM
    Would welcome advice please, as I think I may be on the wrong track.
    My dad died last month, leaving everything to my sister and me. Probate won't complete till the end of this month - in the meantime we've re-taxed and MOTed his car as they ran out (and we were operating on autopilot and it was just one of the jobs on the list!), his insurance company extended cover for a month but that ran out this week, and we've realised the car is now uninsured, which is illegal given it's taxed rather than declared SORN.
    I've just started to look at temporary insurance cover so I can bring the car back to my house to sell it, but it seems very expensive and many of the questions don't seem to apply (they seem more relevant to insuring someone elses's car). Should I just be getting a normal policy and looking to cancel it once the car sells?
Page 1
    • consumers_revenge
    • By consumers_revenge 20th Sep 16, 11:07 PM
    • 2,583 Posts
    • 1,305 Thanks
    consumers_revenge
    • #2
    • 20th Sep 16, 11:07 PM
    • #2
    • 20th Sep 16, 11:07 PM
    Theres companies that will move cars for you. local journey was £60 for about 15 miles. Must be cheaper ones. Or can you be towed as I thought that was always covered on the towers insurance ( don't take my word for it though, please check! )
    • consumers_revenge
    • By consumers_revenge 20th Sep 16, 11:18 PM
    • 2,583 Posts
    • 1,305 Thanks
    consumers_revenge
    • #3
    • 20th Sep 16, 11:18 PM
    • #3
    • 20th Sep 16, 11:18 PM
    Apparently the towing insurance only works if you own both cars :-/
    • Car 54
    • By Car 54 20th Sep 16, 11:33 PM
    • 1,222 Posts
    • 733 Thanks
    Car 54
    • #4
    • 20th Sep 16, 11:33 PM
    • #4
    • 20th Sep 16, 11:33 PM
    Apparently the towing insurance only works if you own both cars :-/
    Originally posted by consumers_revenge
    And probably only in an emergency where one has broken down. Preferably the one behind.
    • marlot
    • By marlot 21st Sep 16, 5:06 AM
    • 2,764 Posts
    • 1,908 Thanks
    marlot
    • #5
    • 21st Sep 16, 5:06 AM
    • #5
    • 21st Sep 16, 5:06 AM
    I'd explain the situation to your current insurer and see if there is any way of adding it to your current policy.

    It might be worth contacting a few of these car buying companies. At least one of them comes to you/whereever the car is. I know you'll get less for it, but you'll be saved a load of hassle, plus the insurance and advertising costs.
    • foxy-stoat
    • By foxy-stoat 21st Sep 16, 9:34 AM
    • 1,054 Posts
    • 592 Thanks
    foxy-stoat
    • #6
    • 21st Sep 16, 9:34 AM
    • #6
    • 21st Sep 16, 9:34 AM
    You can buy insurance for one day for £30 - just do that.

    Sorry for your loss BTW.
    • AdrianC
    • By AdrianC 21st Sep 16, 10:40 AM
    • 11,176 Posts
    • 9,473 Thanks
    AdrianC
    • #7
    • 21st Sep 16, 10:40 AM
    • #7
    • 21st Sep 16, 10:40 AM
    Buy a normal policy, cancel within two weeks for a full pro-rata refund. MUCH cheaper than a short-term policy.
    • shaun from Africa
    • By shaun from Africa 21st Sep 16, 11:58 AM
    • 8,450 Posts
    • 9,485 Thanks
    shaun from Africa
    • #8
    • 21st Sep 16, 11:58 AM
    • #8
    • 21st Sep 16, 11:58 AM
    Buy a normal policy, cancel within two weeks for a full pro-rata refund. MUCH cheaper than a short-term policy.
    Originally posted by AdrianC
    A pro-rata refund minus an administration fee that may be charged by the insurance company to cover their costs in setting up the policy.
    Seeing as some insurers charge £50+ for this admin fee and most others are normally around the £30 mark, it may be cheaper to stick to the short term policy.
    • AdrianC
    • By AdrianC 21st Sep 16, 12:02 PM
    • 11,176 Posts
    • 9,473 Thanks
    AdrianC
    • #9
    • 21st Sep 16, 12:02 PM
    • #9
    • 21st Sep 16, 12:02 PM
    A pro-rata refund minus an administration fee that may be charged by the insurance company to cover their costs in setting up the policy.
    Seeing as some insurers charge £50+ for this admin fee and most others are normally around the £30 mark, it may be cheaper to stick to the short term policy.
    Originally posted by shaun from Africa
    Not within the 14-day cooling off period, they can't.
    • shaun from Africa
    • By shaun from Africa 21st Sep 16, 12:12 PM
    • 8,450 Posts
    • 9,485 Thanks
    shaun from Africa
    Not within the 14-day cooling off period, they can't.
    Originally posted by AdrianC
    Yes they can.
    http://www.legislation.gov.uk/uksi/2004/2095/regulation/13/made
    (6) Subject to paragraphs (7), (8) and (9), the supplier may make a charge for any service actually provided by the supplier in accordance with the contract.
    (7) The charge shall not exceed an amount which is in proportion to the extent of the service provided to the consumer prior to the time at which the cancellation event occurred (including the service of arranging to provide the financial service) in comparison with the full coverage of the contract, and in any event shall not be such that it could be construed as a penalty.
    And from the financial ombudsman:
    http://www.financial-ombudsman.org.uk/publications/technical_notes/cancelling-renewing-car-insurance-case-studies.html
    If someone cancels their policy during the “cooling-off” period, there may still be a fee to cover the insurer’s administration costs. This isn’t necessarily unfair. But we’ll check that the insurer made their fees clear – and that the fee is proportionate to the service they’ve provided.
    • Pickle Pot
    • By Pickle Pot 22nd Sep 16, 9:49 PM
    • 14 Posts
    • 0 Thanks
    Pickle Pot
    Thank you all for your help.

    My car insurance can't insure it as the car is still in dad's name (which has made me wonder if we are illegal after all as surely someone who is deceased can't break the law?). The one-day cover will only work if I sell the car instantly - I guess I need at least a week - so will investigate a bit further.
    • foxy-stoat
    • By foxy-stoat 23rd Sep 16, 10:38 AM
    • 1,054 Posts
    • 592 Thanks
    foxy-stoat
    One day policy will legally enable you to get the car back to your house, once its there you will have to park it off the road and SORN it, your Dad's Estate will get the refund.

    Advertise it as SORN and not insured and see how you get on. If buyers want a test drive then you can either pay the £30 again for the insurance or they can, explain in the advert that its a probate sale so they know the reason for sale. Theres the issue with the tax but hopefully if they like it and agree the price before they insure it after 5 minute drive they will buy it and tax it that day.
    • deanos
    • By deanos 24th Sep 16, 8:22 AM
    • 10,641 Posts
    • 5,472 Thanks
    deanos
    I was in a similar situation a couple of years ago , i got a months insurance , think it cost £59
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