Temporary car insurance

SystemFan

Hi all, I already have a fully comp policy on my main car and have the loan of another car for the next month or so. When I went to add it to my insurance policy I was told I couldnt do that, that I would have to take out a years policy, and pay the cancellation fee. Shopping around ,the absoloute cheapest way I can find to insure this car is £130+, but I only pay £220 a year for my main car (fully protected no claims etc). Does anyone know a cheaper way to go about this please.

*MF*

This might not apply - if you intend to "use" both cars, say one during the week, and the other at the weekend - but in the past I have asked the Insurer to "lay up" one car on fire and theft cover only - ie, no road use, and transfer the other car onto the policy - they coped with that request - because it was one car "laid up" and the other in use for 3 months in the summer.

Cannot in anyway guarantee this will help - but offered to you fwiw, ok.

SystemFan

thanks for that, will give it a try.

chappers

Could the owner not add you onto their premium as a named driver.
beware of doing this on a tempory basis, as when my Dad came over and wanted to use our car the insurers wanted to charge us £49 to put him on for 3 weeks or free as a permenant named driver. What's that all about.

SystemFan

chappers wrote: »

Could the owner not add you onto their premium as a named driver.
beware of doing this on a tempory basis, as when my Dad came over and wanted to use our car the insurers wanted to charge us £49 to put him on for 3 weeks or free as a permenant named driver. What's that all about.

I'm trying that now thanks, as the cheapest stand alone quote is £109 for just over 4 weeks :eek: . This is all crazy as we only pay £220 a year protected etc for a 2 year old 2ltr turbo diesel as our main car, with one claim nearly 5 years ago. Rip off business :mad:

The first option MF gave wouldnt work with our insurers (M&S Money)

lisyloo

This is all crazy as we only pay £220 a year protected

It may seem crazy to you but the insurers still have pretty much the same costs regardless of how long the policy is for
e.g. provision of customer services, underwriting, policy set up, sending out documents etc.
I don't work in insurance, I'm just trying to explaing it.

Does anyone know a cheaper way to go about this please.

Could the person that's loaned it to you, add you to their annual insurance (I've just noticed that chappers has suggested this also).

Have you tried monthly "pay as you go" policies?
I think ecarinsurance do one.

lisyloo

when my Dad came over and wanted to use our car the insurers wanted to charge us £49 to put him on for 3 weeks or free as a permenant named driver. What's that all about.

I suspect its' an anomaly.
For temporary cover they need to charge you some admin fees for their time and sending out documents etc.

However if you put your Dad on permamently then that might trigger re-assessing the risk and because he's older than you then adding it on lowers the overall risk.
It's been the case for a while that adding on another drive can lower the premium as insurer asses that it reduced the risk.
I can't totally justify that but at the end of the day they are entitled to use whatever risk model they want as they are private companies.

SystemFan

The cheapest way in the end was to take out a years policy, pay for it monthly and then pay the cancellation charge. Total madness but there you go

slh4283

This may be too late, but have you tried http://www.dayinsure.com/?

I work for an insurance broker and although I deal with larger commercial business the lady in my dept who deals with motor often passes people to this company for short term insurance. Not sure if this would be cheaper or not.

Barryjohnwebb1947

I was looking for temporary insurance for a car on my drive, that I do not want to sell, but need to have it serviced, so looking for 1 days cover, I went first through my broker "hard work" because I have five cars on cover with Aviva ,I thought ring then direct, it took about 15 minutes to sort, because they did a lot of research, Jake then told me that the regulations had changed, and you can drive a "UNINSURED" car
if it is taxed & MO Ted on your own existing policy's, but cover is for third party only..... Good old Aviva, not trying to screw an existing client just being absolutely fantastic and giving tremendous service ...Full mark s to them! and thanks to Jake on their staff for the time he took.:j:T

deutsch

slh4283 wrote: »

This may be too late, but have you tried http://www.dayinsure.com/?

I work for an insurance broker and although I deal with larger commercial business the lady in my dept who deals with motor often passes people to this company for short term insurance. Not sure if this would be cheaper or not.

will they still be able to operate when continuous insurance enforcement (CIE) comes into place? ... i.e every car needs to be either sorn or insured?