Main dealer 'drive away 5 day insurance'

Ant555

My daughter is purchasing an approved used car from a main VW dealer this week and they offer 5 day drive away insurance which we intend to use to get it home and it gives us time to sort out a policy.

I am sure the answer to my question below will be yes so this is a double-check/sanity check.

With this in place is my own car insurance cover for 'driving any car' then valid (I know its 3rd Party cover)  - I believe 'driving any car' is fine for a car that is actually insured in its own right.

I may need to drive it a short distance myself within this 5 day period and ideally dont want to pay for a day insure.

Thanks

Car_54

Maybe, maybe not. Insurers differ. You need to read your own policy docs.

born_again

As above, as often does not cover family owned cars.

Given a purchase this week, that should be plenty of time to run comparison for new ins & have new policy in place. Or if already own a car change the vehicle over. 
Last car I bought was via P/X & just advised the current ins co, Who said that they did not want a time. Just as soon as I was driving new car I was covered.

Ant555

Thanks, just checked and the only exclusion is that its not owned by me and not a hire/rental/courtesy unless provided by Churchill so will be good as no mention of family exclusions.

Cheers for the input.

mgfvvc

You are aware that DOC cover will be third party only?

Isthisforreal99

Are the excesses on 'drive away' insurance higher than the norm? And other exclusions?

Don't understand why anyone can't have their own policy in place before picking the car up rather than rely on one that may bite you.

MyRealNameToo

Ant555 said:

My daughter is purchasing an approved used car from a main VW dealer this week and they offer 5 day drive away insurance which we intend to use to get it home and it gives us time to sort out a policy.

I am sure the answer to my question below will be yes so this is a double-check/sanity check.

With this in place is my own car insurance cover for 'driving any car' then valid (I know its 3rd Party cover)  - I believe 'driving any car' is fine for a car that is actually insured in its own right.

I may need to drive it a short distance myself within this 5 day period and ideally dont want to pay for a day insure.

Thanks

Have you asked VW if they can name the two of you on the free 5 day insurance and therefore you have comp cover rather than the TPO of DoC?

Car_54

mgfvvc said:

You are aware that DOC cover will be third party only?

Have you actually read his initial post? Apparently not.

GrahamLM52

It's not always that straighforward.

I needed to drive a cousins car. I had "drive other cars" on my insurance schedule but contacted my insurance company to clarify. They said that, yes, I could drive another car provided the other car had insurance cover and I needed to tell my insurance company before drving the other car (they wanted details of the car, reg number, model etc and the reason I needed to drive the other car).

From Confused dot com site:

You should only drive someone else's car in an emergency. For example, if your friend or family member needs to go to hospital.
DOC cover applies to the policyholder only - named drivers aren't covered.
You only have third-party cover while driving someone else's car. So if you're involved in an accident, any damage to the car you're driving isn't covered.
The other car must have a valid insurance policy already. You can't drive an uninsured car, even with DOC insurance cover.
You must have the owner's permission to drive the car.

daveyjp

Isthisforreal99 said:

Are the excesses on 'drive away' insurance higher than the norm? And other exclusions?

Don't understand why anyone can't have their own policy in place before picking the car up rather than rely on one that may bite you.

The free insurance is there to enable  the dealer to try and upsell a full year policy.

The free insurance doesn't have to be taken, it just makes it easier to tax the vehicle before handover.  When we all relied on post for insurance certificates it was a good idea.  Now insurance and tax can all be sorted online its not something which offers much of a benefit for the buyer.

Car_54

GrahamLM52 said:

From Confused dot com site:

You should only drive someone else's car in an emergency. For example, if your friend or family member needs to go to hospital.
DOC cover applies to the policyholder only - named drivers aren't covered.
You only have third-party cover while driving someone else's car. So if you're involved in an accident, any damage to the car you're driving isn't covered.
The other car must have a valid insurance policy already. You can't drive an uninsured car, even with DOC insurance cover.
You must have the owner's permission to drive the car.

confused.com seem to be a bit, well, confused. 

The "emergency" bit is rubbish. I have never seen such a clause in any of my policies over many years.

The bit about the other car's insurance applies in some policies, certainly not all.

Ditto the owner's permission. In any event, how would you ascertain who is the owner?