Insurance to drive home from private sale.

Korkyb

Hi all

I'm about to buy a car locally for my daughter from a private seller.

I cant insure my daughter yet because she is not 17 for another few weeks (the car is a birthday present for her to learn to drive in).

I plan to bring it home then keep it off the road (on private land) uninsured until her birthday.

The car will be in her name.

Will I be covered on my own insurance (3rd party) to drive it home? (my insurance does cover this as long the the car is insured by someone else).

The car is currently insured by the present owner.

Thanks for any advice.

unforeseen

Safest answer. Get the seller to drive it to your house then you drive him back home.

This assumes that the seller hasn't transferred his insurance to a new car or already cancelled it, allowed tax to run out or even SORN'd it.

As for driving it yourself then technically it becomes untaxed the minute that you take ownership.

Andy_L

You can purchase "day insurance" for it or see if your insurance co will add it to your existing policy (which may or may not be cheaper than the former

111222

A little tip for you as I just discovered, third party only insurance can be the most expensive believe it or not. Sometimes comp is actually the cheapest buy usually third part F & T is the cheapest.


This doesn't answer your question but may be useful.

System

You could book an MOT and then bring it home via the garage.


Or you could of course tax it at a PO. and then SORN it when you get home. One month's tax might be cheaper than an MOT, and less faff.

111222

Yep just insure it for a year, add your daughter as an additional driver then cancel whenever.


There will be a cancelation fee if you do cancel

Norman_Castle

Will I be covered on my own insurance (3rd party) to drive it home? (my insurance does cover this as long the the car is insured by someone else).

The car is currently insured by the present owner.

Its likely the present owners insurance is only valid while they own the car, once sold its not insured.


Completing the sale at your home then driving the previous owner home is the easiest solution. Start by asking your insurer if driving it through your insurance is possible.

Consider laid up insurance or disabling the car depending on its value and likelihood of it being stolen or damaged while unused.

angrycrow

The current owners insurance stops covering the car the moment they sell it as they no longer have an insurable interest in the car.

If your doc cover requires there to be insurance on the car you would not be able to drive it home.

See how much short term insurance would be to cover it to when she turns 17. You may find 2 weeks does not cost much more than 1 day.

Another option is to see if your own insurers will add it as a temp vehicle on your policy for 1 day but unlikely as you are not the owner.

System

angrycrow wrote: »

you are not the owner.

He said he's buying it for his daughter for her 17th birthday in a few weeks time. So he's the owner until he gives it to her.


She could still become the registered keeper now.

eddddy

Korkyb wrote: »

I cant insure my daughter yet because she is not 17 for another few weeks (the car is a birthday present for her to learn to drive in).

I know this isn't your question, but...

Have you done 'dummy' insurance quotes to see how much it costs to insure her as a learner...

...and to insure when she passes her test, after say 6 months (which may be much more)?

Young drivers are sometimes shocked to find that annual insurance can cost more than the car.