Short term Car insurance

shirlgirl2004

catieeb06 wrote: »

These people have been advertised on TV.

Not sure if they're any good though.

www.tempcover.com

You can insure a car for up to 28 days me thinks.

That is expensive. I just got a quote for one week on a fiesta and it was £48, for a month £128, £16 for a day. They don't ask any accident/conviction history info though so I assume that's why.

lisyloo

Yes, short term cover is expensive.
Most of the costs on a policy are unfront and incurred on set up and therefore policies are most economical over a 12 month period.
This is not going to be cheap.

You have to factor the cost of expensive insurance or transporting the car on a trailer into your calculations when comparing it with buying the spares new.

bery_451

i notice that most short term car insurance websites dont allow the car im gonna buy to be insured because its old or its under value.

why is this?

shirlgirl2004

dacouch wrote: »

Not neccessarily

Great. Can you give me the name of a company for which this wouldn't be the case? My insurance is up for renewal and I could do with exactly this cover. I have been unable to find it.

dacouch

The vast majority of Insurers do not stipulate that the vehicle you are driving under the Third Party Only Cover of the Driving other Cars Extension has to be insured.

I can only think of a couple of Insurers that stipulate it.

You can check it by clicking on the Insurers Policy Wording and scrolling down to the section that is titled along the lines of "Your Liability to Others". It will have their definition of Driving other cars and any restrictions to it. If they require the other car to be insured it will state it there.

Bear in mind if the other car is not insured there is a good chance the police will pull you over if you go past a camera car

lisyloo

Also be aware if you do this, then the vehicle cannot be parked on a public road uninsured.
So whilst you mioht be insured whilst driving it, it would not be legal whilst parked on the puiblic highway.
This could be an issue if you have a long journey as you might need to stop.
Don't know whether service areas count as private land or public highway in this scenario.

Cherimoya

raskazz wrote: »

I've never seen a driving other cars clause which does not exclude driving a car owned by the policyholder or hired by the policyholder under a HP/lease agreement.

Sorry, I didn't word this very well. What I meant was, some people's policies don't cover them for driving other cars at all, and so if the OP doesn't have it on their policy, then it wouldn't help, even before the ownership clause.

charliee_3

I used to work in insurance so we were told that driving other cars, when it is included on the policy is third party only and it only usually covers cars not owned by the policyholder and not hired by the policy holder. It only applies when the policyholder is in the car so wouldnt cover the car if it were parked on the road.
I am also pretty sure that as this car is unlikely to have an MOT or Tax then it is illiegal to be on the road anyway and so any policy taken out on it, short term or oherwise could be declared invalid if the car is not 'roadworthy'.

if you want to be legal hire a trailer and take it home that way...