Short Term Car Insurance

RoyalSwank

I'm sure I've seen recommendations on here, but couldn't find any searching.

My insurance runs out in a few days, but I need to use my car for a few days / weeks whilst still searching for my new car.

Any cheap companies for this sort of deal??

Thanks in advance, RS

big_gay_kirk

try dayinsure.com...... I've used them before.. they only do short term, and you can't use one of their certificates to tax a car.... but they do seem quite reasonably priced.. for example, I insured a fiat ducato for one day to take it to an mot... cost just under a fiver.....

dacouch

If you are replacing your car shortly after selling it you can renew your current policy and then simply swop it over on your current policy, you may have to pay an extra premium or it may possibly be cheaper but this is generally cheaper than messing about with temp cover.

Try running quotes through on your new car so you arrange the cover with someone whose premium is acceptable on your new car

RoyalSwank

dacouch wrote: »

If you are replacing your car shortly after selling it you can renew your current policy and then simply swop it over on your current policy, you may have to pay an extra premium or it may possibly be cheaper but this is generally cheaper than messing about with temp cover.

Try running quotes through on your new car so you arrange the cover with someone whose premium is acceptable on your new car

Thanks, hadn't thought of this. Will price up the short term cover, but I like this solution.
My only worry would be that when I try to swap the cars I get a significantly inflated quote over what I was quoted in my 'test' as I'd be partly 'locked in' to the cover.
Current car = G14 New car = G15

dacouch

The chances are if the company who you check now are offering a reasonable price on the new car now they should still be reasonable in 6 weeks or so even if their prices go up a bit. Look in their terms and conditions as some have very high "Administration Charges"

hartcjhart

try here

https://www.tempcover.com/default.aspx

RoyalSwank

I noticed on Esure there is a 14 day cooling off period. I'm guessing there's no charge for canceling within this period, so is this like 14 days free insurance??
Is the cooling off period 'no quibble', so could I cancel for free, then re-insure with them if they were the best price??
Would this be ok???
One reason I ask is that I notice they are more expensive direct than through confused.com (I used Confused to price them up, then went direct and they were more expensive).

dacouch

The idea of the 14 day cooling off period is to give you time to check the policy is suitable for you and if it is not you can then return it normally without charge (Some companies will make a charge though). If you have a claim in the 14 days there is no refund.

You could in theory do that, its not very ethical and there is an outside chance they may decline to cover you again (You will probably have to pay the premium up front or a deposit if paying by instalments and then wait for the refund).

I don't know why you don't just take cover out on your current car and then just swop it over if its going to be in a few weeks. It would be a lot easier and its what 99% of the population do.

RoyalSwank

dacouch wrote: »

I don't know why you don't just take cover out on your current car and then just swop it over if its going to be in a few weeks. It would be a lot easier and its what 99% of the population do.

That's what I'll do, thanks for the suggestion. It appears that esure will be the best priced for both cars so Iwill prob be ok. I'll pay the premium in full, up front.

I've been in contact with esure and explained my situation. They have a 27.50GBP charge for switching cars on the policy. I've asked if they'd waive that, but they've point blank refused, essentially saying they'd rather lose potential business than concede this admin fee. This is of course their right.

If I get my new car within the cooling off period and can find an insurer that will insure my new car for 27.50GBP less than esure will, then I'll be financially better off going with them and invoking the cooling off period.

I don't think there's an ethical issue here; just a question of how best to act based upon the circumstances and rules. This site is all about saving money after all.

dacouch

Most companies have an admin fee of around that much when you change.

Have you searched for your cash backs as I'm sure esure do a cash back etc

Are you buying your new car on finance?

RoyalSwank

Esure do cash back, though I had a policy with them the year before last, so am unclear as to whether I'll get the cash back. Also unclear as to why the quote was so disserent on confused.com compared to Esure's website (c.£50)
I have the money for the car (I've got a personal loan / some cash)