Turning 25 - Need 'any car' cover

BlueVanMan

Thanks everyone.
I have thought about doing the cooling off period shuffle but was concerned about affecting my credit rating or 'risk' etc.
The reason I am keen to be at least 3rd party on other cars is I'm considering buying another car within the next year but have always had to take mate to do test drive as I'm not insured. Another reason is if my car is off the road I would still be able to get to work.

forgotmyname

But when buying another car you wont be covered because it will be yours when you buy it.
And it doesnt cover cars you own.

Quentin

forgotmyname wrote: »

But when buying another car you wont be covered because it will be yours when you buy it.
And it doesnt cover cars you own.

You can do the test drive with it. (It's not yours, it's the vendors)

(The mate could come to drive it home if it ended up as a sale.)

BlueVanMan

forgotmyname wrote: »

But when buying another car you wont be covered because it will be yours when you buy it.
And it doesnt cover cars you own.

It's just for the test drive then, if I buy it, I will insure the new one outright.

What I really want is, if my car decides to have a problem, then I have the opportunity to use another car (that will be insured Fully Comp by someone else) to use until I deal with the problem.
Seems unfair that I am burdened with only being able to drive the car I actually have insurance for for another year when I will be eligible next month.

Quentin

BlueVanMan wrote: »

......What I really want is, if my car decides to have a problem, then I have the opportunity to use another car (that will be insured Fully Comp by someone else) to use until I deal with the problem.....

It will make no difference what level of cover the other car has.

If you drive it using DOC cover, then the car will have no cover for any damage.

Your DOC cover provides third party cover only, so if you were involved in any incident where no-one else is to blame (eg write the car off in a skid on ice), then you would be stuck paying for the write off yourself.

chanz4

When you test drive , your on the garages insurance

Quentin

Not when you test drive at a private vendor's!

dacouch

james_nich wrote: »

Hi there, if it's any use I am 25 and have just taken out a VERY competitive deal with Hastings insurance who have turned out to be the easiest and quickest insurers I have used to date. Without asking or prompting the policy overs me on all cars - very different to most! Give them a try.

James.

Hastings only happy customer

rs65

BlueVanMan wrote: »

It's just for the test drive then, if I buy it, I will insure the new one outright.

What I really want is, if my car decides to have a problem, then I have the opportunity to use another car (that will be insured Fully Comp by someone else) to use until I deal with the problem.
Seems unfair that I am burdened with only being able to drive the car I actually have insurance for for another year when I will be eligible next month.

I think you misunderstand the DOC extension. It only provides third party cover whilst you are driving a car not owned by you (or hired to you).

If someone, say a friend, has fully comp cover - you driving it on your DOC extension means that it is not covered for damage whilst you are driving it.

Similarly, if you are test driving a car using the DOC extension, you are not covered for damage to the car.

If I was selling a car, I wouldn't let anyone drive it with just third party cover unless they left a cash deposit equal to the selling price.

Also, be aware that different insurers have different DOC wordings.

rs65

james_nich wrote: »

Without asking or prompting the policy covers me on all cars - very different to most!

I suggest you read the cover very carefully.