Bought a new car, faulty old cars insurance ran out before I sold it. How to proceed?

EpicFishFingers

So my old car has an engine fault likely related to the fuel injection system. It's caused me a massive amount of stress and has let me down several times so I got a new car. However I only managed to get the new car on the day of the insurance running out on the old car.

I had to SORN the old car as the MOT ran out the day after the insurance, and the insurance premium would have been £650 for the year.

The car has a running fault that is likely a dud injector or two, which will cost at least £400 to fix. Temporary insurance for one day on the car will cot me £35, £55 for two days or £216 for a max. of 23 days. It's at the MOT garage now but I'll need to insure it for the drive home, then insure it again for the trip to the repair garage, which won't be the same day as both garage couldn't find a slot on consecutive days.

So, £35 to retrieve the car, then £35 again later to get it to this other garage. I'm thinking of driving it straight to the injector garage from the MOT garage to save some money, then just pushing it in through the door of the injector garage when I can get a slot with them to save the insurance money. Joy...

So that's £70 for insurance and £30 for road tax, then say £450 for the repair at best. £550 to get the car up to par, yet uninsured.

I get it home, then a potential buyer will want to test drive it. Even if I has it insured, what is the legality of letting someone not insured on your car drive it? Is it just an acceptable crime? If so, I'm sure doing it with no insurance at all is not acceptable, so is it acceptable to say "no" to a test drive?

The car is a 2007 Ford Fiesta 1.4 TDCi with 94k miles on the clock, which rough idles and chuffs due to the (likely) injector fault.

Question is, is it worth fixing the car to try and sell for around £1300, or should I just give it to We Buy Any Car for their quoted price of £507?

And is there a reasonable way to move the car on the road without insurance to and from We Buy Any Car and repair garages etc.? Is towing it acceptable? Pushing it? Frankly, £35 a day is disgusting, and I can see why there are so many uninsured drivers when the prices are that high.

prowla

My insurance allows me to drive another car.

I've just bought a used car this weekend and I took my insurance certificate with me to show the seller (I told him I had it, but he didn't ask to see it).

As for selling the car, you could try ebay.

On the money side - you've been offered £507 and you're debating whether to spend how much to get it up to £1300?

Incidentally, I added the car to my existing insurance and it cost me £35 for the remaining two months of the policy.

DragonQ

prowla wrote: »

My insurance allows me to drive another car.

I've just bought a used car this weekend and I took my insurance certificate with me to show the seller (I told him I had it, but he didn't ask to see it).

As for selling the car, you could try ebay.

On the money side - you've been offered £507 and you're debating whether to spend how much to get it up to £1300?

Incidentally, I added the car to my existing insurance and it cost me £35 for the remaining two months of the policy.

Pretty sure the car itself has to be insured even if the driver has a fully comprehensive policy that allows them to drive other cars.

Silver-Surfer_2

Just sell it as is, it's not worth the repair costs

EpicFishFingers wrote: »

So my old car has an engine fault likely related to the fuel injection system. It's caused me a massive amount of stress and has let me down several times so I got a new car. However I only managed to get the new car on the day of the insurance running out on the old car.

I had to SORN the old car as the MOT ran out the day after the insurance, and the insurance premium would have been £650 for the year.

The car has a running fault that is likely a dud injector or two, which will cost at least £400 to fix. Temporary insurance for one day on the car will cot me £35, £55 for two days or £216 for a max. of 23 days. It's at the MOT garage now but I'll need to insure it for the drive home, then insure it again for the trip to the repair garage, which won't be the same day as both garage couldn't find a slot on consecutive days.

So, £35 to retrieve the car, then £35 again later to get it to this other garage. I'm thinking of driving it straight to the injector garage from the MOT garage to save some money, then just pushing it in through the door of the injector garage when I can get a slot with them to save the insurance money. Joy...

So that's £70 for insurance and £30 for road tax, then say £450 for the repair at best. £550 to get the car up to par, yet uninsured.

I get it home, then a potential buyer will want to test drive it. Even if I has it insured, what is the legality of letting someone not insured on your car drive it? Is it just an acceptable crime? If so, I'm sure doing it with no insurance at all is not acceptable, so is it acceptable to say "no" to a test drive?

The car is a 2007 Ford Fiesta 1.4 TDCi with 94k miles on the clock, which rough idles and chuffs due to the (likely) injector fault.

Question is, is it worth fixing the car to try and sell for around £1300, or should I just give it to We Buy Any Car for their quoted price of £507?

And is there a reasonable way to move the car on the road without insurance to and from We Buy Any Car and repair garages etc.? Is towing it acceptable? Pushing it? Frankly, £35 a day is disgusting, and I can see why there are so many uninsured drivers when the prices are that high.

Six points and £300 fine minimum to both of you.

Silver-Surfer_2

Just sell it as is, it's not worth the repair costs

DragonQ wrote: »

Pretty sure the car itself has to be insured even if the driver has a fully comprehensive policy that allows them to drive other cars.

Only if their policy requires it to be insured.

Rolandtheroadie

Just sell it as is, it's not worth the repair costs

Had a similar choice to make a good few years ago with a 2003 1.4 TDCI Fiesta.
I got rid of it as I was changing it anyway and I didn't see the point of spending an unknown quantity on a car I didn't want, just to then try to sell it on.
You won't be able to tax a car that has no MOT. They don't check insurance any more at point of purchase, but I'm sure they still check MOT.
Finally, if you're looking to use day insurance, any time I've used it, the car has to have a current MOT. Now I know no MOT doesn't invalidate insurance, but I'd be checking how that works out for a single day policy where, as part of taking it out, you're declaring it has a MOT.

arcon5

No a test driver can't drive it. Even other car cover won't be applicable if the vehicle itself isn't insured. And no it's not an 'acceptable' crime. It may I suppose be acceptable crime if it was insured and the test driver wasn't as a third party will still be paid out - but even that's pushing it

AnotherJoe

I would get rid. You could easily end up after all that hassle at best breaking even or a even down. Say you made a couple hundred? Is it worth all those separate trips ?

Silver-Surfer_2

Just sell it as is, it's not worth the repair costs

arcon5 wrote: »

No a test driver can't drive it. Even other car cover won't be applicable if the vehicle itself isn't insured. And no it's not an 'acceptable' crime. It may I suppose be acceptable crime if it was insured and the test driver wasn't as a third party will still be paid out - but even that's pushing it

If their policy allows it they would be covered.

arcon5

Silver-Surfer wrote: »

If their policy allows it they would be covered.

For which I'm yet to see any donestic insurer anywhere that allows other car cover on a vehicle without an existing policy on

Silver-Surfer_2

Just sell it as is, it's not worth the repair costs

arcon5 wrote: »

For which I'm yet to see any donestic insurer anywhere that allows other car cover on a vehicle without an existing policy on

Mine allows it.