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Insurance advice on new'ish car.

L.S.D.
L.S.D. Posts: 416 Forumite
Part of the Furniture 100 Posts Combo Breaker
Thinking of buying a car from a private seller. If we bought, I would want to drive the car back with my wife driving ours. Can we get an insurance cover to get the second car home? It would then be put on the drive until our car was sold, then our insurance transferred to it.
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Comments

  • InsideInsurance
    InsideInsurance Posts: 22,460 Forumite
    10,000 Posts Combo Breaker
    Unless you are going to SORN either vehicle then both vehicles must have insurance in place. You could simply add the new vehicle to the existing policy as a Temporary Additional Vehicle or alternatively to take out a temp policy (normally 1-28 days in length are the options) for it.
  • marlot
    marlot Posts: 4,956 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Insurers are often happy to cover two cars for a short period.

    Works for other insurances too. I'm moving house and my insurer offered to insure both houses for no additional charge.
  • L.S.D.
    L.S.D. Posts: 416 Forumite
    Part of the Furniture 100 Posts Combo Breaker
    Just contacted our insurance company. They want £21-00 a week for maximum of 2 weeks plus a £20-00 admin charge. Is that right? sounds a bit steep to me. Our one year insurance is less than £200-00.
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  • neilmcl
    neilmcl Posts: 19,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    marlot wrote: »
    Insurers are often happy to cover two cars for a short period.

    Works for other insurances too. I'm moving house and my insurer offered to insure both houses for no additional charge.
    Things have changed somewhat since the new continuous insurance rules came out and a lots of insurers see this as a way to print money I'm afraid, so whilst yes they will be happy to insure both cars they will now probably charge an arm and a leg to do so, as the OP's post above clearly shows.
  • macman
    macman Posts: 53,128 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Doesn't your existing policy cover you to drive other vehicles with the owner's permission?
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  • F1F93
    F1F93 Posts: 366 Forumite
    macman wrote: »
    Doesn't your existing policy cover you to drive other vehicles with the owner's permission?

    Probably does, but only if that vehicle has a valid insurance policy of its own.

    When OP buys the car, the old owner will cancel their insurance, leaving the car uninsured and so the DOC extension will not apply here.
  • forgotmyname
    forgotmyname Posts: 32,820 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    If they buy the car then its their vehicle and they need insurance for it.

    £20 sounds cheap to me for 2 weeks. Try getting short term insurance for less.

    Dont forget getting insurance elsewhere will mean not having any no claims to use on that policy.
    Censorship Reigns Supreme in Troll City...

  • matttye
    matttye Posts: 4,828 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    If they buy the car then its their vehicle and they need insurance for it.

    £20 sounds cheap to me for 2 weeks. Try getting short term insurance for less.

    Dont forget getting insurance elsewhere will mean not having any no claims to use on that policy.

    £21 a week plus a £20 admin charge = £62 for two weeks, not £20.
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  • rs65
    rs65 Posts: 5,682 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper Combo Breaker
    F1F93 wrote: »
    Probably does, but only if that vehicle has a valid insurance policy of its own.

    When OP buys the car, the old owner will cancel their insurance, leaving the car uninsured and so the DOC extension will not apply here.

    That isn't a requirement of all policies.

    The OP would need to check that, and any other specifics, of their DOC cover.
  • forgotmyname
    forgotmyname Posts: 32,820 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    I read £21 and assumed that was for 2 weeks. But still comparable to short term insurance where it could be that much per day.
    Censorship Reigns Supreme in Troll City...

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