Tempoarary car insurance

minxie

Does anyone know where I can get temporary car insurance, where they don't cost the earth,I only need it for a couple of months, as I need to borrow a car.

Anyone who has any advice, or experience of this, i would be very grateful

thanks

Dukesy

Firstly, do you have a car of your own? If you do and that's insured, ring up the insurer and ask for temporary cover on the borrowed car - when I bought a car a year ago, I had it temporarily added to the insurance on the car I was planning to sell and ran them both for a while.

If you don't already have a car, I'm afraid I can't be of any help, but I'd suggest running a few quotes from places like tempcover and doing a bit of comparing.

Foxy-Stoat_3

Who are you borrowing the car off? The owner should be the one who insures and taxes it...if its taxed then its insured, can you not be added to that policy? You cant have 2 policies running on the the same car at the same time.

As for costing the earth, I am not sure how much the earth currently costs but I do know that car insurance is expensive for 12 months if you are young, high risk area, no NCD and high grouped car.

You just need to run some quotes for 12 months, and cancel when you no longer need the policy. You will be charged short period rates and cancellation fee so it may be better to hire a cheap car from a hire company.

Dukesy

Foxy-Stoat wrote: »

Who are you borrowing the car off? The owner should be the one who insures and taxes it...if its taxed then its insured, can you not be added to that policy? You cant have 2 policies running on the the same car at the same time.

Unfortunately, if the OP is going to be borrowing a car for a couple of months, then to be insured on someone elses insurance as a named driver would be considered fronting, as the OP, not the policyholder, would be the main driver. Furthermore, the owner of a car does not need to be the insurance policyholder.

Secondly, a car having tax does not mean it has insurance, it only means that it had insurance at the time that the tax disc was bought.

Foxy-Stoat_3

Dukesy wrote: »

Unfortunately, if the OP is going to be borrowing a car for a couple of months, then to be insured on someone elses insurance as a named driver would be considered fronting, as the OP, not the policyholder, would be the main driver. Furthermore, the owner of a car does not need to be the insurance policyholder.

The main driver for 2 months out of 12........wouldn't be considered the main driver of the policy would they?

If the OP got added to the policy for 2 months, insurers were told their postcode and parking arrangements and they accept the risk then this wouldn't be fronting as you have told them all the details.

Unless its a partner/spouse, insures don't normally allow you to insure a car that you don't own. Maybe one of the non-standard risk insurers would cover it but it wouldn't be very cheap.

If a car has no insurance it has to be SORN'd. If its taxed and not insured it must be declared off the road and you wouldn't normally have a car SORN'd and taxed unless you intend on taxing it within 4 weeks.

InsideInsurance

Foxy-Stoat wrote: »

You cant have 2 policies running on the the same car at the same time.

You can, it just causes headaches as typically all motor policies have a statement that they dont provide cover if another policy is in force that provides cover for the same incident. Reality is given both policies have this clause that both insurers share the costs.

To the OP, your options, depending on what your and the other persons situations are:

1) Add yourself to the existing policy on the vehicle as a Temporary Additional Driver (TAD), remember to advise of the temporary relocation of the vehicle which they may or may not be bothered about

2) Add the vehicle to your existing policy as a Temporary Additional Vehicle (TAV)

3) Drive it under the Driving Other Cars extension of your own policy (if it has one and the other vehicle complies with its terms, normally that it has its own cover) and accept the risk that there is no cover for damage to it

4) Transfer your existing policy to the new car - this may be more costly as it results in 2 admin fees as you pay again to transfer it off again

5) Buy an temporary/ short term policy

6) Buy an annual policy and cancel it after the few months but remember to factor in cancellation fees and the fact that optional extras (eg legal expenses and breakdown) often are payable in full even if cancelled mid term

Dukesy

Foxy-Stoat wrote: »

The main driver for 2 months out of 12........wouldn't be considered the main driver of the policy would they?

If the OP got added to the policy for 2 months, insurers were told their postcode and parking arrangements and they accept the risk then this wouldn't be fronting as you have told them all the details.

Unless its a partner/spouse, insures don't normally allow you to insure a car that you don't own. Maybe one of the non-standard risk insurers would cover it but it wouldn't be very cheap.

If a car has no insurance it has to be SORN'd. If its taxed and not insured it must be declared off the road and you wouldn't normally have a car SORN'd and taxed unless you intend on taxing it within 4 weeks.

You can bet that any insurer would count someone being the sole user of the car for two months without being the policyholder as fronting.

I've insured cars that don't belong to me or my husband in the past.

Yes, it should be sorn'd, but that does not mean that it will be. I forgot to sorn one of my cars last year. The insurance ran out and I didn't renew as I was planning a long term renovation on it. About a month later I got a letter telling me to sorn it or be fined. A car may, therefore, have tax and yet no insurance. It's just that the time for which this is the case is limited.

thenudeone

Foxy-Stoat wrote: »

You cant have 2 policies running on the the same car at the same time.

Another urban myth that often gets repeated.

Yes You Can.

Otherwise, what are these people offering?
http://www.aviva.co.uk/short-term-car-insurance/
Or these:
http://www.provisionalmarmalade.co.uk/

In both cases they offer a comprehensive car insurance policy even if there is already another policy on the car.

So please don't mislead people.

Foxy-Stoat_3

That's fine if the OP is a leaner or needs cover for 28 days.

Was talking about 2 private car policies running at the same time.