Difference between Retail and On The Road Prices

derrick

Lemonade_Pockets wrote: »

Tis only as daft as your suggestion. The car will be insured by the dealerships blanket policy regardless of whether the owner has insurance for it at the time of sale. So theoretically for the OTR price it can be driven OTR by anyone covered by the dealerships policy.

Also if IRRC you technically insure the person not the car. (i wait to be shot down in flames about that tho)

It still is not an OTR price, e.g you walk into a dealership and decide on a car with a £15000 OTR price, sort out all the finance and paperwork, but,(and I have never heard of the dealers blanket policy for customers), you still need to purchase insurance for the vehicle, therefore the OTR is not a true cost as insurance, depending on several factors, could be several thousands of pounds.

AFAIK the car has to have an insurance policy in it's own right to sit/drive on a public road.

goldspanners wrote: »

when you buy a new car you get a weeks cover from the manufacturer to give you a chance to sort out your own,well ford do anyway. so it is legally on the road.

As I said I had never heard of the manufacturer/dealers blanket policy customers, (and you can only confirm Ford),however as I said above,IMO it is not a genuine OTR priceas insurance for the vehicle will have to be purchased therfore increasing said OTR.

vikingaero

Loads of dealers offer Norwich Unions (Avivas) 7 day free insurance. This allows the car to be taxed NU email a copy of the cover note to the dealer to facilitate this.

derrick

vikingaero wrote: »

Loads of dealers offer Norwich Unions (Avivas) 7 day free insurance. This allows the car to be taxed NU email a copy of the cover note to the dealer to facilitate this.

But it is still,IMO, a misleading claim, because insurance will have to be purchased, meaning the OTR sticker price is not strictly correct, but it looks like the dealers are getting away with the misleading prices, and until someone makes an official complaint, (that won't be me as I would never buy a new car), we may never know, as that is usually how this type of fact is resolved.

vikingaero

derrick wrote: »

But it is still,IMO, a misleading claim, because insurance will have to be purchased, meaning the OTR sticker price is not strictly correct, but it looks like the dealers are getting away with the misleading prices, and until someone makes an official complaint, (that won't be me as I would never buy a new car), we may never know, as that is usually how this type of fact is resolved.

If you're adamant that insurance should be included in OTR prices then you'll never see identical pricing. OTR pricing including insurance will be cheaper for some and more expensive for the young. Also you'll need the insurance databases from all UK insurers to be connected to dealer networks to obtain a quote - with all due respect that's not realistic. And every dealer you visit will require all your details to be churned out again and again.

What happens if I buy a car and have an existing policy? You want OTR+ Insurance to be given. What happens to my existing policy. Do we cancel it and take out a new policy? That creates double the admin - not efficient or green.

derrick

vikingaero wrote: »

If you're adamant that insurance should be included in OTR prices then you'll never see identical pricing. OTR pricing including insurance will be cheaper for some and more expensive for the young. Also you'll need the insurance databases from all UK insurers to be connected to dealer networks to obtain a quote - with all due respect that's not realistic. And every dealer you visit will require all your details to be churned out again and again.

What happens if I buy a car and have an existing policy? You want OTR+ Insurance to be given. What happens to my existing policy. Do we cancel it and take out a new policy? That creates double the admin - not efficient or green.

I am not "adamant that insurance should be included in OTR prices", I am saying that unless it is included, then the term should not me used, because without insurance it is not legal on the road.

I agree with what you say, and would suggest that they omit the misleading OTR term, sorted.

If you have an existing policy it will need changing to the new vehicle, so an extra expense to the so called OTR price.

Lemonade_Pockets

The car does not have to be specifically insured to be covered for use OTR.
Dealerships have blanket policies so they can drive part exchanges, customers can take test drives etc etc. Or did you think everytime they took a car in or took a customer for a drive they took out a new policy???

Secondly: Renault offer free driveaway insurance too. As do Norwhich union. As do all ford dealers. As do all evanshalshaw dealers. As do all stratstone dealships..........do i need to go on???

I'd file this idea under B 1N if i were you

Hintza

We all know what the OTR price is. It is a bit like asking where all the white goes when snow melts. Take a philosophy course!

Lemonade_Pockets

:rotfl::rotfl::rotfl::rotfl::rotfl:

goldspanners

Almost On The Road But You Still Need To Buy Insurance

Would this make more sense then?

as others have said most dealers will provide 7 days of insurance,do you want a full year?
insurance varies wildy between driver,so how could your premium ever be included in an OTR price?
common sense should suggest that unless its part of an offer then your insurance will be additional.

Lemonade_Pockets

At last i've found the reason Starbuck's put caution HOT DRINK on their cups.