Overlapping insurance when selling a car

Warwick_Hunt

GunJack wrote: »

off-road (i.e. not on the public highway), no it doesn't...taxed or SORN yes, but not insured.

It needs insurance unless there is a sorn.

GunJack

Warwick_Hunt wrote: »

He can't give consent when he doesn't own it can he?

This may be semantics, but if he doesn't physically date the V5 until 20 mins after you've left, he still "owns" it....anyway, you could still be on a test-drive (which you would be covered for, third-party only, under your own policy)

BeenThroughItAll

GunJack wrote: »

This may be semantics, but if he doesn't physically date the V5 until 20 mins after you've left, he still "owns" it....anyway, you could still be on a test-drive (which you would be covered for, third-party only, under your own policy)

No, the V5 simply shows he was still the keeper. Unless he's letting you drive away without handing over the money, you're the owner at that point. The V5 has nothing to do with it.

GunJack

Warwick_Hunt wrote: »

It needs insurance unless there is a sorn.

hands-up, not heard of that one before, quick bit of googling confirms...never needed to think of it before, was only aware of the sorn or tax one, ta.

Warwick_Hunt

GunJack wrote: »

This may be semantics, but if he doesn't physically date the V5 until 20 mins after you've left, he still "owns" it....anyway, you could still be on a test-drive (which you would be covered for, third-party only, under your own policy)

Stop digging, you comitted two separate insurance offences and are going down the lines of attempting to pervert the course of justice.

missile

OP, you could take out a second policy then cancel when you sell / alternatively there are several companies who offer temporary cover. https://www.confused.com/car-insurance/temporary

sevenhills

When I rang my insurance company, they told me I would have 2 weeks insurance on my old car. No extra charge, just the change over fee.

techno79

missile wrote: »

OP, you could take out a second policy then cancel when you sell / alternatively there are several companies who offer temporary cover. https://www.confused.com/car-insurance/temporary

Yeah, I think a second policy which is then cancelled upon sale is cheaper than a temporary cover (unless the temp cover is just for a few days).

sevenhills wrote: »

When I rang my insurance company, they told me I would have 2 weeks insurance on my old car. No extra charge, just the change over fee.

That's nice of them, what insurance company was this out of interest?

lostinheaven wrote: »

We just sold my wife's car. Was concerned about much the same thing (the new car was arriving before the ebay auction for the wife's car had finished therefore we needed to insure both cars for a short period).

My wife's insurer (The AA) insured the new car and gave her a "free" 14 day extension of cover on the old car - although in total she had to pay a £63 fee for the privelidge of changing cars etc.

£63 for 2 weeks is a bargain given that temp cover is looking like about £40 per day.

Thanks for all the replies everyone.

sevenhills

techno79 wrote: »

That's nice of them, what insurance company was this out of interest?

It was Hastings