Car Insurance Dilemma - Brand New Car?

Jlawson118

Evening All,
I've currently got a little bit of a dilemma with my car insurance on a new car.
I've been with ByMiles since my renewal in August, paying about 6p a mile on my tariff and it works out really well for me, on average costing me between £0.70 - £1.40 on an average day.

My new car is going to be registered onto a 21 plate, and due to this I can't really compare insurance like I'd be able to normally as it isn't taxed and registered properly until Monday (March 1st). I've done a few quotes just entering the car make on price comparison sites and had some reasonable yearly quotes come up on there, though to pick one of these I'd lose my no claims discount to leave ByMiles.

However, to stay with ByMiles, they will not allow me to change the car details without the registration number. I do have this to hand, but the systems can't read it as it's unregistered. Their staff have recommended I find the same car on Autotrader and estimate a price, which I have and it's going to double in price which is putting me off a little bit to begin with. However, even if I was to accept this I can't insure anyway without the car being registered.
My idea was to get day insurance to bring the car home from the dealership and organise my insurance there, but there's still no guarantee it'll register on their end within the first 72 hours, meaning if the car was to be stolen or anything overnight, I wouldn't be covered.

I don't know if to cancel with ByMiles and switch to a new company losing my no claims for the year, but guaranteeing I'll be insured ready for Monday?
Try and stay with ByMiles but pay double the tariff, and risk struggling to change the car details on Monday, but keep my no claims for my renewal in August?

rs65

Have you asked for the reg number?  They will have it before you collect it or else how would they make the plates.  

Check costs etc before you go to collect it

Jlawson118

rs65 said:

Have you asked for the reg number?  They will have it before you collect it or else how would they make the plates.  

Check costs etc before you go to collect it

I have got the new plate details, they sent me this straight away. Though every time I try to put it on on a price comparison site, they don't recognise it, nor do By Miles.

I contacted the dealership this morning asking when I might be able to get quotes and they've said it won't be active until Monday, but I can use price comparison sites without the registration, just by adding the car details. Although By Miles are telling me they can't do anything without the registration being registered and readable from there end 

SaverRate

Do the garage offer free insurance for a few days? This would give you a few days to sort the insurance then 

chrisw

It also depends on how much no claims bonus you have already. You would potentially lose 1 year if you cancelled By miles, this would be significant if you only had a year or two, but if you already have more than around 5 years then it probably won't make a great deal of difference.

rs65

Jlawson118 said:

I have got the new plate details, they sent me this straight away. Though every time I try to put it on on a price comparison site, they don't recognise it, nor do By Miles.

I contacted the dealership this morning asking when I might be able to get quotes and they've said it won't be active until Monday, but I can use price comparison sites without the registration, just by adding the car details. Although By Miles are telling me they can't do anything without the registration being registered and readable from there end 

No Guarantee any insurer will see it by Monday either but have to say I've never had this problem.

If it is a problem, don't collect it for 72 hours 

Penelopa.Pitstop

It's still needs to be insured if registered to him. I suggest asking dealer if they have drive away insurance, used to be 7 days but now some companies went down to 5 days.

TELLIT01

Penelopa.Pitstop said:

It's still needs to be insured if registered to him. I suggest asking dealer if they have drive away insurance, used to be 7 days but now some companies went down to 5 days.

I'm 99% sure the dealership offered me short term insurance cover when I purchased my new car. That would certainly be the simplest solution.   I didn't need it as my insurers did accept the details in advance although the registration documents showed date of registration as the date I collected it.

EmmyLou30

Insurance companies can manually type in the car/make/model etc if the new car isn't on the database yet, just like you can on comparison sites - having the reg in the database just makes this process quicker as it already knows the make/model etc. That's what I did with my new car, I knew the reg but as it wasn't 1st March it wouldn't exist until the insurance was due to start. They manually put in the make/model/value instead and I was insured from 1st March on the new car no issue, arranged a few weeks in advance like any normal car insurance policy to swap from my old car to my new car that day.