insuring car after end of lease

DD265

In terms of insurance... I wanted temporary insurance for my old car when I had an overlap, ended up with ridiculous quotes. I took out a full year's policy, then cancelled it within the first month when I sold the car. I did have to pay an admin fee, but it worked out about £60 in total. The danger with anybody taking out a temporary policy for 1 month, is that we don't know when this situation is going to change. You could find yourself needing another month or even 3-4, and an annual policy would at least allow for that.

I reckon a car could be safely collected whilst maintaining social distancing. It'd be a faff - driver phones to say arrived, OP goes out and puts key out on floor, backs off, driver takes key, etc etc - but doable.

Scrapit

Car_54 said:

Difficullt to see how a collection driver could get to you while maintaining social distancing.

Difficult to see how you see that as difficult.

Car_54

DD265 said:

I reckon a car could be safely collected whilst maintaining social distancing. It'd be a faff - driver phones to say arrived, OP goes out and puts key out on floor, backs off, driver takes key, etc etc - but doable.

That bit is easy. It’s getting  the driver there in the first place that’s the problem. Public transport? Shared car? Bike - will it fit in the car? Only answer is a skateboard.

Scrapit

Car_54 said:

social distancing is not the law, it's not required in any shape or form, it's just advice. Plenty of workplaces are not adhering to strict social distancing measures.

True. But the Health and Safety at Work Act 1974 is law, and it requires employers to ensure the health, safety and welfare of their employees, and in particular to provide a safe system of work.

Requiring employees to flout the current governement advice would be a flagrant breach, which would risk severe penalties for the employer.

How can 2 coppers in a car comply with social distancing? Or an uber? Or a bus driver?(They are trying, they have a decent union). All forms of delivery and collection is not banned. Yet many involve 2 people in a confined space within close proximity. Collecting the car could be done by a lone worker  very easily and completely safely.

Car_54

Scrapit said:

Car_54 said:

social distancing is not the law, it's not required in any shape or form, it's just advice. Plenty of workplaces are not adhering to strict social distancing measures.

True. But the Health and Safety at Work Act 1974 is law, and it requires employers to ensure the health, safety and welfare of their employees, and in particular to provide a safe system of work.

Requiring employees to flout the current governement advice would be a flagrant breach, which would risk severe penalties for the employer.

How can 2 coppers in a car comply with social distancing? Or an uber? Or a bus driver?(They are trying, they have a decent union). All forms of delivery and collection is not banned. Yet many involve 2 people in a confined space within close proximity. Collecting the car could be done by a lone worker  very easily and completely safely.

Absolutely. But when/if it all goes wrong the employer will be facing a massive damages claim as well as criminal charges.

Leaving the legals aside, are you happy to ask the poor collection driver (who is probably paid a pittance on a zero-hours contract) to risk his health and possibly his life?

I know this is a money-saving forum, but doesn't morality come into it?

Herzlos

Car_54 said:

Difficullt to see how a collection driver could get to you while maintaining social distancing.

It could be collected on a transporter / trailer, so the car could be wiped down, loaded onto the back and driven off without having to even see another person. Or they could allow the owners to drive the vehicle to a BCA site and drop the keys somewhere.

It's not an insurmountable problem.

Dr_Crypto

It probably could be done but if they have idled their employees for safety reasons it’s hard to see that as unreasonable. Many outfits have almost completely closed on the grounds that they don’t want to have people travelling about and thus adding to footfall. They may also have a shortage of drivers due to do self isolation etc. 

For me personally I wouldn’t risk leaving the car uninsured. If something went wrong I wouldn’t want to be stuck in a messy legal dispute and potentially being on the hook for thousands. 

kmb500

Regardless, it's not my problem how they comply with safety legislation. That's got nothing to do with my lease ending.

452

kmb500 said:

Regardless, it's not my problem how they comply with safety legislation. That's got nothing to do with my lease ending.

There wasn't much point in this thread as you never intended to insure it at the end of the lease. 

kmb500

452 said:

kmb500 said:

Regardless, it's not my problem how they comply with safety legislation. That's got nothing to do with my lease ending.

There wasn't much point in this thread as you never intended to insure it at the end of the lease. 

No I do not want to insure the car. I am asking for advice on where i stand.