multiple car insurance

kyh

Long story short (Hopefully)

Work colleague had accident 3 weeks ago and car was written off. Insurance brokers have been very good with her as they had messed up her policy earlier in the year, her insurance is through Swintons acting as Broker. She has been told she needs to transfer this policy to whatever new car she buys and so continue paying this policy (currently monthly) or clear it in full (approx £400) and because of this she cannot now get insurance for a new car she has found because the company she is with through swinton won't insure her for that type of car.

She has been and found a car she wants, likes and can afford to buy without finance. (2000 Ford Puma - she has set her heart on it)
My hubby went with her as she is only 20 and he is happy it is a reliable car for it's age and mileage and he is very good with cars. Her fiancee is away as he is in military and so we are trying to help her out.

Is she able to continue making her payments to this company through Swinton until the end of the insurance period and also take out car insurance for her new vehicle with a company that will insure her?

Hoping someone here may have the answer!

Kyh

Quentin

It will be up to Swinton whether or not they are prepared to carry on the instalments or want paying in full the amount still owing on the original policy.

But irrespective of that, she can take out the new policy for her new car.

Jane2005

Because the other car is a right off Swinton should be ok with her carrying on with the instalments until it's ran it's course, they could be a problem if she has any NCB as this can only be on one vehicle at any one time, which does seem a bit odd since the first car was a write off, but it's something that needs to be disclosed to any new insurer.

bouncydog1

She should also try and get some quotes from alternative insurers before she buys the Puma, as depending on the circumstances of the accident (if she was at fault or if her insurers cannot recover their outlay from the third party) she will be left with no bonus.

I am not sure what group a Puma is, but I am pretty sure that it is not low and she might find herself with a big financial shock on insurance costs.