Temporary Insurance when fixing/selling a car

Hammyman

grass_is_greener wrote: »

I hadn't thought of that, thanks. Does the car not have to be insured to be towed though? I need to get the insurance to get it taxed too I guess and for test drivers.

If the garage is doing the collecting and delivering, they will be insured.

Test drives are going to be an issue though because most insurance companies require the vehicle being driven under "vehicle not owned by" to be insured in its own right. And if a ANPR camera picks it up, you'll get a fine and if a copper with a car fitted with ANPR picks it up, they'll seize the vehicle until you can prove it is insured and the recovery and storage costs will outweigh temporary insurance tenfold.

mgdavid

Hammyman wrote: »

If the garage is doing the collecting and delivering, they will be insured.

agreed, although it's best to ask if they have a set of the red trade plates as that proves it.

Hammyman wrote: »

..... most insurance companies require the vehicle being driven under "vehicle not owned by" to be insured in its own right. ......

can you quote a source for that please? I have *never* found this in any of my policies, I believe it is a commonly-held misconception. The point to watch is that the car can only be covered by someone else's 'any other vehicle' clause while actually being driven or sat in, on a public road. When empty it HAS to be on a private drive etc.

But I agree the situation where the tax is still valid but your insurance has run out can lead to problems, hence the 'continuous insurance' initiative.

TrickyWicky

mgdavid wrote: »

can you quote a source for that please? I have *never* found this in any of my policies, I believe it is a commonly-held misconception.

With my insurers its on the certificate.

paddedjohn

grass_is_greener wrote: »

Now, there's an idea, I hadn't thought of the 14 day cancellation period, thank you. Not really ethical but it would allow me to tax it, get the work done and then get it back on the drive.

and once the 14 days are up and you have no insurance you will have to sorn it and cash the tax in.

neilmcl

paddedjohn wrote: »

and once the 14 days are up and you have no insurance you will have to sorn it and cash the tax in.

....Or take out another policy.

grass_is_greener

Okay, thanks for the help thus far. I have, however, encountered yet another stumbling block.

I was originally quoted insurance for about £280 so was going to go ahead with this, I can just about afford to have that taken out my account so long as I get it back after the 14 days.

However, I was going over it with the insurance company and they told me that because I have insurance in my name on our main car, I am unable to use my 13 years no claims bonus against this car as well. Hence, the price goes up to £600 and I am classed as having no no-claims and as such, viewed as a new driver. Is this right?????? I cannot afford to have £600 taken out my account. Jeeeeesss, it is turning into a nightmare and may well be cheaper to just give the car away. I cannot believe it is being made this difficult when all I am trying to do is make the car better for whoever buys it.

cheekychappy

Get the garage to come and get it and MOT it, then see if the garage knows anyone who wants it or can sell it off their forecourt (if they have one). Or just ebay it, asking buyer to bring proof of insurance with reg number on if they want to test drive, or asking price in cash in your hand if they don't. In my experience few people ever turn up to inspect prior to bidding and when winning bidder collects car they are insured anyway.
Direct Line always do me temporary car cover, usually about £30 a month.

boyse7en

cheekychappy wrote: »

Get the garage to come and get it and MOT it, then see if the garage knows anyone who wants it or can sell it off their forecourt (if they have one). Or just ebay it, asking buyer to bring proof of insurance with reg number on if they want to test drive, or asking price in cash in your hand if they don't. In my experience few people ever turn up to inspect prior to bidding and when winning bidder collects car they are insured anyway.
Direct Line always do me temporary car cover, usually about £30 a month.

Anyone from eBay won't be able to test drive it whatever insurance they have got, since the car won't be taxed. The OP will have to turn in the tax disc when the insurance terminates.
If the car is sold on eBay, the new owners will have to get the car insured in their name, get eh MoT certificate and get the car taxed before they can drive it away.

This constant insurance legislation is a complete nightmare for the law-abiding motorist, and is probably having very little effect on those who never had insurance anyway.

I wonder how many accidents involving "uninsured drivers" were actually drivers with no insurance at all, and how many were drivers who had some form of insurance, but not to drive that particular vehicle?

The_Turner

mgdavid wrote: »

agreed, although it's best to ask if they have a set of the red trade plates as that proves it.

Trade plates are not proof of insurance.

Hammyman

mgdavid wrote: »

can you quote a source for that please? I have *never* found this in any of my policies, I believe it is a commonly-held misconception.

Its been on every insurance policy I've had for some time now. It was when I was with Swiftcover and is with Chaucer.