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  • FIRST POST
    • Bedsit Bob
    • By Bedsit Bob 29th Oct 13, 8:29 PM
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    Bedsit Bob
    7 days drive away insurance?
    • #1
    • 29th Oct 13, 8:29 PM
    7 days drive away insurance? 29th Oct 13 at 8:29 PM
    I notice some dealers are offering free, 7 days drive away insurance.

    Is there anything I should know about this free insurance?

    For instance, is it TP only, or something?

    Has anyone here ever actually claimed on it, and what was the outcome?
    1984 WAS NOT AN INSTRUCTION MANUAL.

    Amount I have so far denied the BBC - 1308

    You can't be a Christian AND a Socialist.
Page 1
  • Jonboy_1984
    • #2
    • 29th Oct 13, 8:38 PM
    • #2
    • 29th Oct 13, 8:38 PM
    I used it to insure a Renault I bought last month. They gave me a code, I went home and entered my code and then personal details. It then emailed covering note directly to dealer so they could tax the vehicle before collection.

    It was full comp cover with Swinton. They then offered a quote for cover for the next year. This was twice the price I paid online.

    I have not claimed on it though.
    • Bedsit Bob
    • By Bedsit Bob 29th Oct 13, 8:45 PM
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    Bedsit Bob
    • #3
    • 29th Oct 13, 8:45 PM
    • #3
    • 29th Oct 13, 8:45 PM
    So when they say it's "drive away insurance", it doesn't actually mean you can arrive, decide to buy the car, pay for it, and drive it straight away?
    1984 WAS NOT AN INSTRUCTION MANUAL.

    Amount I have so far denied the BBC - 1308

    You can't be a Christian AND a Socialist.
    • londonTiger
    • By londonTiger 29th Oct 13, 8:53 PM
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    londonTiger
    • #4
    • 29th Oct 13, 8:53 PM
    • #4
    • 29th Oct 13, 8:53 PM
    there is no concrete "definition" of drive away insurance, it will differ great.

    In my experience drive awaway insurance was literally test drive insurance.

    Well it was a dealer who I'm acquaintend with, he said if you get stopped by police or an in an accident just tell the police you are test driving.

    So after I paid, I "test drove" the car home and got insurance with my provider from then on.
    • Bedsit Bob
    • By Bedsit Bob 29th Oct 13, 8:58 PM
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    Bedsit Bob
    • #5
    • 29th Oct 13, 8:58 PM
    • #5
    • 29th Oct 13, 8:58 PM
    That sounds a bit iffy londonTiger.

    Once you have filled in the V5C (and what dealers is going to let you run up FPNs in his/her name?) the vehicle has moved into your possession, so the dealer's Trade Insurance won't cover you.
    1984 WAS NOT AN INSTRUCTION MANUAL.

    Amount I have so far denied the BBC - 1308

    You can't be a Christian AND a Socialist.
    • Yolina
    • By Yolina 29th Oct 13, 9:00 PM
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    Yolina
    • #6
    • 29th Oct 13, 9:00 PM
    • #6
    • 29th Oct 13, 9:00 PM
    I had 3 days free insurance when I bought my Yaris last year, it was "proper" fully comp (Toyota's own insurance). They sorted it when I ordered the car and gave me the paperwork when I collected it few weeks later. Didn't claim on it plus I had my own arranged anyway.

    That was obviously for a new car so had to wait for it to be built, not sure how it works if they have a car there that you want to drive away on the day.
    Now free from the incompetence of vodafail
    • daveyjp
    • By daveyjp 29th Oct 13, 9:02 PM
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    daveyjp
    • #7
    • 29th Oct 13, 9:02 PM
    • #7
    • 29th Oct 13, 9:02 PM
    So when they say it's "drive away insurance", it doesn't actually mean you can arrive, decide to buy the car, pay for it, and drive it straight away?
    Originally posted by Bedsit Bob
    The 7 day policy is often used so they can tax the car prior to pick up. Very few cars where 7 day insurance is provided are ready to drive away there and then.
    • Nebulous2
    • By Nebulous2 29th Oct 13, 9:07 PM
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    Nebulous2
    • #8
    • 29th Oct 13, 9:07 PM
    • #8
    • 29th Oct 13, 9:07 PM
    Wife bought a car last month. Despite the dealer saying she had 7 days insurance she didn't believe it and tried to change her existing policy on the date of pick-up. Direct Line wouldn't play however and said they didn't allow double insurance so insurance certificate started a week later.
    • w50nky
    • By w50nky 29th Oct 13, 9:09 PM
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    w50nky
    • #9
    • 29th Oct 13, 9:09 PM
    • #9
    • 29th Oct 13, 9:09 PM
    This is cover in your name. The insurers send details to the dealer as stated above to enable them to tax your car for you. It is valid for the 7 days as a fully comp insurance. It will carry conditions such as excess and various limitation to the cover.
    If you have existing cover on your px for example, then you can transfer your cover to your new car. (assuming your insurer will cover your new car) with premium adjustments as required. You will no doubt be contacted by the provider of this temporary cover in an attempt to get you to take out a 12 month policy with them.
    If at first you don't succeed, skydiving is not for you!
    • Bedsit Bob
    • By Bedsit Bob 29th Oct 13, 9:09 PM
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    Bedsit Bob
    That was obviously for a new car so had to wait for it to be built, not sure how it works if they have a car there that you want to drive away on the day.
    Originally posted by Yolina
    I'm going to look at a used car tomorrow, and the dealer says they provide the 7 days drive away insurance.

    However, if I decide to buy the car, I'll just ask to use their phone, to ring my own insurance company, and swap the cover onto the new car.

    That way, I know I'm covered.
    1984 WAS NOT AN INSTRUCTION MANUAL.

    Amount I have so far denied the BBC - 1308

    You can't be a Christian AND a Socialist.
    • Iceweasel
    • By Iceweasel 29th Oct 13, 9:12 PM
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    Iceweasel
    Two months ago I had free 7 day fully comp cover on a used BMW. It covered myself and my wife driving.

    As others have said the car was taxed for me and waiting to go when i went to pick it up.

    Very handy it was too - drove home to Scotland with it and transferred my own insurance to the vehicle at the end of the 7 days.

    That meant that we had the use of 2 vehicles for the week.

    They did send me a quote to extend it for a year which was fairly competitive, but I didn't take them up on it as my own policy had still 9 months to run.

    It wasn't 'pushy' at all.
    • Yolina
    • By Yolina 29th Oct 13, 9:13 PM
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    Yolina
    I'm going to look at a used car tomorrow, and the dealer says they provide the 7 days drive away insurance.

    However, if I decide to buy the car, I'll just ask to use their phone, to ring my own insurance company, and swap the cover onto the new car.

    That way, I know I'm covered.
    Originally posted by Bedsit Bob

    Well you could ask them to explain *exactly* what their 7 day insurance covers while you're there and if it's not good enough or if they can't arrange it there and then, then just swap yours.
    Now free from the incompetence of vodafail
    • Mobeer
    • By Mobeer 29th Oct 13, 9:15 PM
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    Mobeer
    BMW offer 7 days fully comprehensive cover including business use, with a relatively small excess.
    • dzug1
    • By dzug1 29th Oct 13, 9:16 PM
    • 13,359 Posts
    • 6,125 Thanks
    dzug1
    I'm going to look at a used car tomorrow, and the dealer says they provide the 7 days drive away insurance.

    However, if I decide to buy the car, I'll just ask to use their phone, to ring my own insurance company, and swap the cover onto the new car.

    That way, I know I'm covered.
    Originally posted by Bedsit Bob
    If the car is pre-taxed that's fine but if not the dealer will need more than a phone call to get it taxed
    • bubblegumcola
    • By bubblegumcola 29th Oct 13, 9:19 PM
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    bubblegumcola
    I was offered this when I was buying my second hand car. I phoned up before I did the final paperwork for the car. There are exceptions and my husbands occupation was deemed high risk and they could only insure me so I said it was no use so made my own arrangements through my usual insurer before picking up the car. I was quite annoyed as the dealer had made such a song and dance about this insurance but it just wasn't suitable for us. If you have a relatively run of the mill job, etc it will be fine that's why they would insure me. Have to say my hubby was not happy!
    I had to phone to activate the 7 days insurance as they needed a policy number and document in advance so they could get the tax disc for me, that's when I discovered it was no use for me.
    Last edited by bubblegumcola; 29-10-2013 at 9:23 PM.
    • Bedsit Bob
    • By Bedsit Bob 29th Oct 13, 9:28 PM
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    Bedsit Bob
    If the car is pre-taxed that's fine but if not the dealer will need more than a phone call to get it taxed
    Originally posted by dzug1
    I've bought cars, where the dealer has managed to tax it, on their dealer's insurance, prior to me collecting it.

    Not sure how they managed it, and didn't ask.

    As it happens, the one I'm going to look at is taxed, all the way though to the end of June next year.
    1984 WAS NOT AN INSTRUCTION MANUAL.

    Amount I have so far denied the BBC - 1308

    You can't be a Christian AND a Socialist.
    • londonTiger
    • By londonTiger 29th Oct 13, 10:52 PM
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    londonTiger
    That sounds a bit iffy londonTiger.

    Once you have filled in the V5C (and what dealers is going to let you run up FPNs in his/her name?) the vehicle has moved into your possession, so the dealer's Trade Insurance won't cover you.
    Originally posted by Bedsit Bob
    well he was a good acquaintence, i settled the balance fully at home [later that day after i drove home with it] when he came round with v5 and gave me my part. so it was on the whiter side of grey in my case.
    Last edited by londonTiger; 29-10-2013 at 10:57 PM.
    • bigjl
    • By bigjl 29th Oct 13, 11:12 PM
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    bigjl
    Lots of Car Auctions used to offer a 7 day driveaway policy but you couldn't use it to tax a car when i used it. Though this may have changed.

    They provided it 4 yrs ago at CarGiant when we bought the wifes Clio.

    It is simply a marketing tool.

    If they can convert 25% of those that take up the offer i suspect it will work out fairly profitable.

    Norwich Union used to be relatively pushy i trying to get you to take out a policy there and then.

    At Aston Barclay is Chelmsford they used to have a specific free phone but that is gone now.

    The few times i used it the only cover available was Full Comp
    • bigjl
    • By bigjl 29th Oct 13, 11:17 PM
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    bigjl
    I've bought cars, where the dealer has managed to tax it, on their dealer's insurance, prior to me collecting it.

    Not sure how they managed it, and didn't ask.

    As it happens, the one I'm going to look at is taxed, all the way though to the end of June next year.
    Originally posted by Bedsit Bob

    Very easy to tax a car using traders insurance.

    I did it many times when i had traders insurance as i liked to have the cars i sold taxed as they woukd sell easier usually and i could use them as and when i needed to and it saved me bothering with trade plates.

    I used to buy a car at auction. Take the paperwork with me, drive home snd leave my car then get a lift back to the auction with tax disc in hand.
    • bigjl
    • By bigjl 29th Oct 13, 11:24 PM
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    bigjl
    there is no concrete "definition" of drive away insurance, it will differ great.

    In my experience drive awaway insurance was literally test drive insurance.

    Well it was a dealer who I'm acquaintend with, he said if you get stopped by police or an in an accident just tell the police you are test driving.

    So after I paid, I "test drove" the car home and got insurance with my provider from then on.
    Originally posted by londonTiger
    "Test drive" coversge is just that coverage whilst test driving the vehicle.

    One stipulation is that you need to be accompanied during the test drive.

    I have never heard of any traders policy that allows unaccompanied test drives as it would then allow anybody to drive uninsured that had a friend who has traders insurance.

    This has always been the case as far as i know. There was even a clip on one of those Road Wars programmes years ago whensl somebody was caught out in this way and that episode must be 8/10 yrs old now.
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