Main dealer 'drive away 5 day insurance'

Ant555

Isthisforreal99 said:

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 current car isn't being traded in so still needs insurance cover until we drive it to its new home at the weekend, at that point, the existing policy will be switched.

Essentially I was looking for the cheapest option to get it home from dealer to driveway with a potential short trip by me ahead of it being fully covered when we change cars on the policy.

Thanks to all - the plan is in place.

MyRealNameToo

Car_54 said:

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?

It's the intent rather than the strict requirements, certainly some insurers used to put it in the preamble but not in the regular terms. 

Its very common for it to require the vehicle to have insurance, the car want meet the Continuous Insurance requirements under DoC. You would be stopped by the police were you to go pass an ANPR place. 

Never seen a policy that doesnt require the owners permission else in principle the DoC would cover a thief joy riding the car they stole. 

Its also worth noting that some MNW and HNW policies give comp cover on DoC not TPO

Car_54

MyRealNameToo said:

Car_54 said:

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? 

Its very common for it to require the vehicle to have insurance, the car want meet the Continuous Insurance requirements under DoC. You would be stopped by the police were you to go pass an ANPR place. 

Never seen a policy that doesnt require the owners permission else in principle the DoC would cover a thief joy riding the car they stole. 

Continuous insurance is not the driver's problem, nor indeed that of the insurer. Is itt the only reason it's usually a requirement?

MyRealNameToo

Car_54 said:

MyRealNameToo said:

Car_54 said:

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? 

Its very common for it to require the vehicle to have insurance, the car want meet the Continuous Insurance requirements under DoC. You would be stopped by the police were you to go pass an ANPR place. 

Never seen a policy that doesnt require the owners permission else in principle the DoC would cover a thief joy riding the car they stole. 

Continuous insurance is not the driver's problem, nor indeed that of the insurer. Is itt the only reason it's usually a requirement?

In theory it should be insured or SORNed so if you are driving it without it having insurance it should mean you are driving a SORNed vehicle 

There is the potential that they could be found responsible for a loss when you arent using the DoC properly on the vehicle but by insisting there is another policy on the vehicle then there is an RTA Insurer that sits above the Article 75 Insurer in the decision tree. 

Myci85

How much is the drive away insurance costing? When my son recently bought a used car, we insured it with tempcover for 2 hours to drive it home, cost about £11. Then when he switched his insurance to that car on passing his test, I didn't want to leave his old car uninsured as wanted to be able to allow test drives for selling it. I set up a very basic policy in my name, lowest annual miles as was not going to be used, and chose one that had very little fees to cancel. Sold car 5 days later, within the 14 day cooling off period, cancelled policy and for the 5 days cover they charged a total of £17! 

mgfvvc

Car_54 said:

mgfvvc said:

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

Have you actually read his initial post? Apparently not.

I think I'd read the first few posts and then come back to the thread later and forgotten that he'd covered that point.
It happens sometimes. 

forgotmyname

Before you use the driveaway cover check the excess.  When my daughter bought her first car a few years back the dealer offered
the 5 or 7 day insurance but when he checked she was too young for their policy so it was going to be in my name but when they
showed me the paperwork the excess was £2000.  I stopped reading at that point and said no thanks we will pick it up in a week
when her policy expires and we will have disposed of the old car.

MyRealNameToo

Myci85 said:

How much is the drive away insurance costing? 

Normally its free, often with a very high excess and you will get a sales pitch from the insurer to buy a full policy at the end.

Ant555

Just to follow up - we used the free drive away insurance to get the car covered for the drive home from the VW dealers.

The excess showed something along the lines of "750 for each vehicle in the claim" so (I think) that would be £1500 if there was an at-fault accident and we had to claim for the other car and our own.

Due to the high excess we just changed the timing of our initial plans and sorted everything out properly.

Thanks to everyone for their input.