Temp insurance for non owner

[bargainhunter]

Tricky one here. A friend recently had a stroke and is incapacitated in hospital. We are trying to work out the best way to get her car from Cambs down to Devon where she lives.

Due to her condition, her insurance is no longer valid. And the car is out of MOT. And its currently sitting on the street.

We've had a quote to get it shipped home, but her daughter is asking if we can temporarily insure it, get it MOTed and then drive it there (she can't drive).

What are my options? Can I get temporary non-owner insurance if the registered keeper doesn't have valid cover? Would I become liable for it being parked up illegally ubtil it's MOTed if I do? Don't want to get it transferred to my name because then I'll definitely be liable!

Grateful for any advice.

Edited by bargainhunter on Wednesday 11th September 14:10

[QuartzDad]

Cuvva appears to cover this scenario, other temporary insurers are available.

https://intercom.help/cuvva/en/articles/2614316-do...

[PistonBroker]

Yes, you'll be able to get cover with Tempcover et al - the car doesn't have to be yours and doesn't have to be insured elsewhere.

I got my Dad's car back on the road last year and used temporary insurance to get it to it's MOT.

Your issue will be tax - you won't be able to tax it using temporary cover.

[Oceanrower]

Get temporary cover. There’s plenty of online firms do this.

Then, book it in for an MOT near Devon…

[E-bmw]

Just book it in for an MOT near you.

Get 2 day insurance online.

Drive it to you & park it up, but as soon as it gets parked up it will need to be put on a SORN & kept off the road or MOT passed & insured properly.

You don't have to be the owner/registered keeper of a car to insure it.

[bargainhunter]

Oceanrower said:

Get temporary cover. There’s plenty of online firms do this.

Then, book it in for an MOT near Devon…

Driving it 300 miles for an MOT doesnt feel like particularly legal solution......

[Oceanrower]

bargainhunter said:

Oceanrower said:

Get temporary cover. There’s plenty of online firms do this.

Then, book it in for an MOT near Devon…

Driving it 300 miles for an MOT doesnt feel like particularly legal solution......

I really don’t care what it ’feels’ like to you. It’s a perfectly legal solution

[E-bmw]

Oceanrower said:

bargainhunter said:

Oceanrower said:

Get temporary cover. There’s plenty of online firms do this.

Then, book it in for an MOT near Devon…

Driving it 300 miles for an MOT doesnt feel like particularly legal solution......

I really don’t care what it ’feels’ like to you. It’s a perfectly legal solution

^^^^ Wot 'e said.

It is 100% legal to drive an un MOT'd car the length & breadth of the country to an MOT station provided it is pre-booked in.

If it weren't how would you get a car to an MOT if it had ran out or failed & now fixed?

You could even book it for first thing in the morning at your local garage, drive it there the day before, park it in their car park, put the keys through the door & get a lift/taxi/bus home provided it is booked in.

[Mars]

QuartzDad said:

Cuvva appears to cover this scenario, other temporary insurers are available.

https://intercom.help/cuvva/en/articles/2614316-do...

I've used Cuvva - there's an app. Makes it very easy to arrange.

[Solocle]

E-bmw said:

Oceanrower said:

bargainhunter said:

Oceanrower said:

Get temporary cover. There’s plenty of online firms do this.

Then, book it in for an MOT near Devon…

Driving it 300 miles for an MOT doesnt feel like particularly legal solution......

I really don’t care what it ’feels’ like to you. It’s a perfectly legal solution

^^^^ Wot 'e said.

It is 100% legal to drive an un MOT'd car the length & breadth of the country to an MOT station provided it is pre-booked in.

If it weren't how would you get a car to an MOT if it had ran out or failed & now fixed?

You could even book it for first thing in the morning at your local garage, drive it there the day before, park it in their car park, put the keys through the door & get a lift/taxi/bus home provided it is booked in.

It does feel like taking the p, but in this case it is an unforeseen event, so...

[944 Man]

bargainhunter said:

Oceanrower said:

Get temporary cover. There’s plenty of online firms do this.

Then, book it in for an MOT near Devon…

Driving it 300 miles for an MOT doesnt feel like particularly legal solution......

Lots of people say this. However: it is. There is no limit on the journey length and no obligation to use a closer testing station.

This is the solution. Ensure that the appointment is written in their diary. The journey to and from the testing station are provided for in law.

[pigface1001]

You could always get it towed

[119]

What’s the problem with just getting it MOTd local to where the car currently is?

[E-bmw]

119 said:

What’s the problem with just getting it MOTd local to where the car currently is?

I am guessing none apart from the fact that it also wants moving & if it fails that is then a little more awkward, although also possible.

[VSKeith]

Even with no MOT, no appointment and no tax, the chances of you encountering a problem with the law on your 300 mile journey are minimal

[Jordie Barretts sock]

Nobody has said anywhere that it isn't taxed.

It needs insuring to drive to Devon. It doesn't need an MOT or be booked in. IF and it's a huge IF, you are stopped and checked, it's a non endorsement fine of £100 unless it has changed. But if it is booked for an MOT it is totally legal. Taxed or not.

[OutInTheShed]

PistonBroker said:

Yes, you'll be able to get cover with Tempcover et al - the car doesn't have to be yours and doesn't have to be insured elsewhere.

I got my Dad's car back on the road last year and used temporary insurance to get it to it's MOT.

Your issue will be tax - you won't be able to tax it using temporary cover.

Do they still check you have insurance when you tax a car?
I suspect they don't but they check against the database for any car that's not SORN, entirely independent of the act of taxing it.

Pretty sure my mate taxed his latest car at the dealer's before insuring it.

[vaud]

bargainhunter said:

Driving it 300 miles for an MOT doesnt feel like particularly legal solution......

There is no distance specified in law in driving a car to an MOT. You can legally drive it to Inverness for an MOT. It does have to be road worthy though.

[119]

vaud said:

bargainhunter said:

Driving it 300 miles for an MOT doesnt feel like particularly legal solution......

There is no distance specified in law in driving a car to an MOT. You can legally drive it to Inverness for an MOT. It does have to be road worthy though.

And how would he know if it is roadworthy?

[vaud]

119 said:

And how would he know if it is roadworthy?

No idea, but providing it's not obviously crabbing, dumping fluids, has working lights, etc they are unlikely to get a pull.