Car insurance timing

Dan_rocks

My car insurance runs out at 12pm on wednesday 5th november, I have recently bought a new car which is due to be delivered 3rd nov with my current car being part exchanged.

Whats the best way to go about my insurance.

My current insurer wants nearly double what I currently pay. I have also got quotes for much cheaper else where.

I ideally dont want to cancel my current deal as I lose my years no claims.

I also ideally dont want to do a change of car for 2 days as there will be an admin fee and no doubt a higher price to cover the 2 days.

Ive read about having multicar insurance but again ideally I dont want this as I wont have 2 cars.

Is it possible to let my current deal lapse on the 5th and take a new deal out for my new car for the 3rd without it affecting anything as the request for no claims (being sent by my current insurer) wont be requested for a few days?

Any advise would be greatly appreciated 😃

loskie

pick up your new car on the 5th

wongataa

Does the dealer you are buying your new car from provide a week's free insurance? If so use it, let your current insurance expire, and then you can use the NCD when buying insurance for your new car.

BeenThroughItAll

Or just don't drive the new car until it's the 5th and keep it on the drive.

Witless

Check carefully: 05/11/16 isn't Wednesday, it's Saturday.

Dan_rocks

Yeah not sure why I put wednesday 😁

Car_54

BeenThroughItAll wrote: »

Or just don't drive the new car until it's the 5th and keep it on the drive.

How does he get it from the dealer to the drive? And then it needs to be SORNed.

BeenThroughItAll

Car_54 wrote: »

How does he get it from the dealer to the drive? And then it needs to be SORNed.

He said it was being delivered. Didn't specify where too, so since we're playing 'guess the gap' I guessed to his driveway. Bearing in mind, also, that it's tax will have been technically dated form 1st November anyway, even if he received it and insured it in 3rd, it'd still have been 'taxed but not insured' for two days upon delivery. Realistically, three more isn't going to matter.

Mr_Poves

I've just been through this , I chose to leave the old policy running and take a short term 1 month policy which worked out cheaper than swapping vehicles .
You can actually take a new policy out a certain amount of time before the old one runs out and the overlap would be allowed for no claims as long as you had no accidents in the transition period .
A very good company to deal with who helped me are adrian then rhymes with ducks .
Don't think we can name specific companies on here .

bigadaj

Mr_Poves wrote: »

I've just been through this , I chose to leave the old policy running and take a short term 1 month policy which worked out cheaper than swapping vehicles .
You can actually take a new policy out a certain amount of time before the old one runs out and the overlap would be allowed for no claims as long as you had no accidents in the transition period .
A very good company to deal with who helped me are adrian then rhymes with ducks .
Don't think we can name specific companies on here .

You can name who you want but might get called for spamming if you repeatedly post with glowing references.

worried_jim

Mr_Poves wrote: »

I've just been through this , I chose to leave the old policy running and take a short term 1 month policy which worked out cheaper than swapping vehicles .
You can actually take a new policy out a certain amount of time before the old one runs out and the overlap would be allowed for no claims as long as you had no accidents in the transition period .
A very good company to deal with who helped me are adrian then rhymes with ducks .
Don't think we can name specific companies on here .

https://www.adrianflux.co.uk/