Car insurance - buying a policy in advance

Ducky101

Hi

My car insurance is due for renewal in January. As a young (ish) woman am aware that costs will probably rise steeply for me after December 22nd due to this gender equalisation thingy. Being a moneysaver I heeded advice and have been looking around for companies that let you buy 60 days in advance of policy start date.

Aviva have given me the best quote - approx £60 cheaper than my last premium to begin in January when my current policy expires. This takes into account my no claims bonus. Rather than buy it now, I thought I would phone them to ask more about it/haggle...

Anyway, the adviser told me that i could not buy this policy until my renewal notice arrives (which will probably be after the December deadline). Does anyone know if this is correct? I pointed out to him that I could have bought online, but he still maintained that I cannot take out the policy until January. If this is the case, what is the point of being able to quote 60 days ahead? Or is he trying to put me off so that I have to pay probably double the premium in January? I'm very confused

lisyloo

Anyway, the adviser told me that i could not buy this policy until my renewal notice arrives

Are you carrying forward No claims discount?
The new insurance would require written proof of this from your renewal notice.
I don't think there is any requirement for you to actaully have it but there may be a requirement for you to send in the documentation within a certain time period.

but he still maintained that I cannot take out the policy until January

You can certainly take out a policy in advance. The problem comes if you can't provide proof of your NCD within the usual time limits.

Can't work out why it's in his interests to put you off though.