In a pickle help with insurance and personal reg pls

PinkNeon

Have been having a disastrous car time of it!

Summary:
1. My Car died
2. I have a personal reg
3. I am with a broker
4. I have a new car
5. my insurance is up in a few days.

So. I am purposely going to keep this brief. My car failed its MOT spectacularly last month, £50 MOT. Sold car £250. Removed / parked reg £80 (!!). Bought new car. Called broker to swap new car onto it £95 (!!) for the privilege. I also moved last year and that was £50 to change my address. I have found much cheaper insurance/half what I am currently paying. Also administratively the broker charges and then the third party charges which hikes the administrative amendments therefore I would like to go directly to a company and it makes sense.

However I have just foolishly re-added my personal reg to the new car and my insurance will now be invalid. 

Would you 1. Get new insurance tomorrow on new registration 2. Call broker to alert them I will not be needing the new quote / insurance and let it run its course 3. ring current broker to spend another £95 changing the reg etc then take out new insurance. Or I could use Cuvva from tonight until policy ends and then get a new policy?

I have read you can have double insurance (it’s only a few days) so was wondering if this was the best solution. 

Sorry if this is a jumble. I’m SO confused 😕  and I’m so stressed about the amount of money I have spent last few weeks. Many thanks for any advice.

PinkNeon

I can’t edit my post which should say I have re-added personal reg to my new car via DVLA.

Brie

Since when do you have to pay £50 when you move?  Sorry can't help with the insurance question.

Grumpy_chap

Brie said:

Since when do you have to pay £50 when you move?  Sorry can't help with the insurance question.

£50 insurance cost.
Could be admin fee for change of address.
Could be premium change if the new post code is higher risk.
Could be change of risk if there is a change of where the car was kept overnight (garage / driveway / street / private car park / etc.)

Mildly_Miffed

Brie said:

Since when do you have to pay £50 when you move?

If you go looking for the cheapest insurance, then they ryanair all the changes... Of course, the premium would be higher if it was a higher risk address, but fifty quid for a policy amendment is not exactly unheard of.

As for the costs of changing vanity plates around - yep. Not news. It's a cost that's very easy to opt out of.

sheramber

Brie said:

Since when do you have to pay £50 when you move?  Sorry can't help with the insurance question.

New risk assessment at new address , which is assessed as more risk so increase in charge. 

Mat also be admin charge.

PinkNeon

Does anyone have any advice on the Insurance options please? 

Yes vanity plate - gift from an ex - one of the only gifts I just wasn’t aware of the cost bus then I wasn’t planning on having to buy a new car 😭😭😭 Thanks all

PinkNeon

Not sure how long it takes for DVLA / insurers to update records Cuvva isn’t recognising not that I imagined them all updating simultaneously! 

Am I OK to put my reg in the windows to ‘cover myself’ ? 🤷‍♀️

paul_c123

PinkNeon said:

Not sure how long it takes for DVLA / insurers to update records Cuvva isn’t recognising not that I imagined them all updating simultaneously! 

Am I OK to put my reg in the windows to ‘cover myself’ ? 🤷‍♀️

These are two separate things. Cuvva should just pull data from the DVLA on the car details of a reg plate. I believe DVLA update fairly quickly, but its not instantaneous. If you are relying on using that car, I'd not be changing things around unless you can afford a few days downtime.

Reg in the window - I don't understand - are you planning to display 2 different plates?

PinkNeon

paul_c123 said:

PinkNeon said:

Not sure how long it takes for DVLA / insurers to update records Cuvva isn’t recognising not that I imagined them all updating simultaneously! 

Am I OK to put my reg in the windows to ‘cover myself’ ? 🤷‍♀️

These are two separate things. Cuvva should just pull data from the DVLA on the car details of a reg plate. I believe DVLA update fairly quickly, but its not instantaneous. If you are relying on using that car, I'd not be changing things around unless you can afford a few days downtime.

Reg in the window - I don't understand - are you planning to display 2 different plates?

Thanks yes that’s what I was thinking but clearly no. But I need to put my plates on tonight. 

I’ll keep trying Cuvva 

I can’t afford downtime I have the school run hence pickle. Why’s everything so complicated ☹️

Mildly_Miffed

When you assign the registration from retention to actually be on the car, then that's what the bits of plastic each end need to say.

And insurance need to know, so that they can show the correct registration as insured.

Remember, if your car is taxed, it must legally be insured. And that's before we get to a passing police car getting an ANPR ping for an uninsured registration.