Unable to insure brand new car, what to do?

whitejohn

Ayr_Rage said:

What is the car ?

I cannot say at present. The dealer is working very hard to try and fix the problem and I don't want to tarnish their reputation. It's not really anyones fault. It's like 99% of people buy an XYZ. They bring out an ultra-compact XY and I'm the first one to buy one in the UK.

The ONLY solution is to get this listed on the insurers database.
Hence my question, how do we do it?

Keep_pedalling

whitejohn said:

Ayr_Rage said:

What is the car ?

I cannot say at present. The dealer is working very hard to try and fix the problem and I don't want to tarnish their reputation. It's not really anyones fault. It's like 99% of people buy an XYZ. They bring out an ultra-compact XY and I'm the first one to buy one in the UK.

The ONLY solution is to get this listed on the insurers database.
Hence my question, how do we do it?

How does telling us what the exact car is effect a dealers reputation if we don’t know who the dealer is? 

35har1old

Keep_pedalling said:

whitejohn said:

Ayr_Rage said:

What is the car ?

I cannot say at present. The dealer is working very hard to try and fix the problem and I don't want to tarnish their reputation. It's not really anyones fault. It's like 99% of people buy an XYZ. They bring out an ultra-compact XY and I'm the first one to buy one in the UK.

The ONLY solution is to get this listed on the insurers database.
Hence my question, how do we do it?

How does telling us what the exact car is effect a dealers reputation if we don’t know who the dealer is? 

It might be that there is only one dealership in the uk

eskbanker

whitejohn said:

The dealer is working on a possible fix for £3000 PA Insurance. I do not want to be tied to just one company at an inflated price. I will never be able to sell it in the future.

whitejohn said:
At present it is uninsurable so definitely unfit for purpose? 

There's a difference between 'uninsurable' and 'expensive/difficult to insure' so I don't think the argument that the vehicle is "definitely unfit for purpose" holds water - insurance is your responsibility not the dealer's, so they're not breaching the contract in any way by selling you exactly what you ordered.

Okell

whitejohn said:

...It arrived 2 months late and I'm now into month 3 so I need to be giving them a deadline?

If it was two months late but the dealer has now tried to deliver it to you a month ago but you are refusing to accept it because the insurance is too costly, it's too late to give them a deadline!  (And I suspect the sales T&Cs cover the dealer for a delay of a couple of months).

Why didn't you explore the insurance cost before buying it?  

It definitely isn't "unfit for purpose" just because you think the insurance is too expensive...   

If you don't go ahead I think you are in breach of contract.

(Like posters on the insurance board, I'm intrigued to know what this "unique" to the UK car is...)

Ayr_Rage

OP has two topics running on this issue.

Other one was started an hour before this one.

https://forums.moneysavingexpert.com/discussion/comment/80361069#Comment_80361069

Can a mod take a look and merge them please.

MattMattMattUK

whitejohn said:

MikeJXE said:

Probably best to start with the terms and conditions 

I will try and upload them.

At present it is uninsurable so definitely unfit for purpose? 

You need to be clear why it is uninsurable, if it is uninsurable because they have not delivered a road legal car, when you ordered a road legal car (rather than potentially a track car), then you might have a case, if there is some other issue (you have 12+ points on your license, but are still permitted to drive) then that is different. 

DullGreyGuy

whitejohn said:

Ayr_Rage said:

What is the car ?

I cannot say at present. The dealer is working very hard to try and fix the problem and I don't want to tarnish their reputation. It's not really anyones fault. It's like 99% of people buy an XYZ. They bring out an ultra-compact XY and I'm the first one to buy one in the UK.

The ONLY solution is to get this listed on the insurers database.
Hence my question, how do we do it?

Unfortunately if you are unwilling to give details then no one can help you.

People can hand build a car and get it insured so the "not on a database" is clearly an excuse. You may be excluded from mass market insurers if it's a £1m exotic car or a non-UK vehicle but as long as its road legal in the UK there will be insurers via brokers that will cover it. 

Ayr_Rage

I had a similar issue a few years ago with a rare model from Jeep, I was one of the first owners to take delivery and my current insurer did not have it on their database and were not sure when it would be added.

Thankfully it appeared elsewhere so I had to change insurers.

The old insurers were very generous and refunded me pro-rata without any fees.

As for it being "unfit for purpose", no way, as as long as it is compliant and can be registered that is not an avenue you can take.

I very much doubt any car is uninsurable, but you may have to pay a very steep premium via a specialist broker for something rare.

Telling us what it is will not breach any confidences.

Ayr_Rage

@DullGreyGuy the OP has another topic on this, so it's going to get confusing (again).

https://forums.moneysavingexpert.com/discussion/comment/80361313#Comment_80361313

The vehicle is only £55,000 so it's not likely to be that exotic !