Temporary car insurance rip off.....Advise please

[GTR LUST]

Hi,

I need some insurance for a month or 2 for a 2nd car.

Every 'Temporary' insurance company I've checked comes back at atleast £170 or more for 30 days cover, but 12 months cover is only £260 !

I'm better off to take out the 12 month policy, and cancel when I'm finished with it, as I only pay for the time I use and a 'Admin' Charge.

I wonder if any of you have any advise to offer, or can recommend temporary insurance companies? (or even ones that have a small 'admin fee'

I have tried these so far:

moneysupermarket
comparethemarket
Confused
temporarycarinsurance
insuredaily

Thanks for your advise

P.S I am about to purchase the car, and I am not covered under my other insurance policy

Edited by GTR LUST on Saturday 17th September 01:08

Edited by GTR LUST on Saturday 17th September 01:11

Edited by GTR LUST on Saturday 17th September 01:12

[Piepiepie]

Had a similar problem myself recently. Instead just paid Admiral £500 for a 10 month policy, then cancelled it after a few weeks and got a chunk of it back.

[GTR LUST]

How much did you get back out of interest?

[B4rker]

Have you tried adding it to your existing policy as a temporary additional vehicle? I know that with ageas you can for upto 90 days in any policy period and depending on the vehicle it is usually £1.06 a day. Failing that maybe tempcover.com

[GTR LUST]

Good idea, I have now checked on this with swift, but my current policy can only offer 30 days temp cover per year for a £70 charge. Thing is I want a bit longer than that really.....

I have check tempcover.com, and for 28 days they want £200!

Edited by GTR LUST on Saturday 17th September 16:06

[GTR LUST]

TTT

[bazking69]

Take an annual policy. Cancel it after 2 months. Get a refund for 3 quarters.

[BoostMonkey]

B4rker said:

Have you tried adding it to your existing policy as a temporary additional vehicle? I know that with ageas you can for upto 90 days in any policy period and depending on the vehicle it is usually £1.06 a day. Failing that maybe tempcover.com

More like £20 a day lad, well that's admiral wanted to change me about 3 years ago, each day for 14 days cover.

[GTR LUST]

"Take an annual policy. Cancel it after 2 months. Get a refund for 3 quarters. "

This still seems the best idea, for 60 days and 'admin' fee combined costing around £100

Any other thoughts?

[davepoth]

Take an annual policy, pay monthly by direct debit, only pay the first two months up front. cancel when appropriate.

[Tom H]

Speak to a reputable broker and try and agree a prorata refund. (maybe less admin of say £25)

[Blue Oval84]

£260 for a year is very cheap if that's with no NCB.

Don't forget if you're using your NCB on your current policy then you start again with nothing with your second policy, unless you can persuade them to "mirror" it. You would need to talk to them about that though.

[anonymous-user]

davepoth said:

Take an annual policy, pay monthly by direct debit, only pay the first two months up front. cancel when appropriate.

I did this recently when I purchased new car & was selling old one. Annual policy with Admiral, pay monthly. I could cancel policy & then stop paying at any time. So just paid £30 a month for 2 months then cancelled with no penalty...

[R1 Indy]

BoostMonkey said:

More like £20 a day lad, well that's admiral wanted to change me about 3 years ago, each day for 14 days cover.

na, they only charged me just over 20 quid for 2 weeks when i needed it the other month, with was pretty good since im only 21.

[JQ]

R1 Indy said:

BoostMonkey said:

More like £20 a day lad, well that's admiral wanted to change me about 3 years ago, each day for 14 days cover.

na, they only charged me just over 20 quid for 2 weeks when i needed it the other month, with was pretty good since im only 21.

Same here. Footman James charged me £15 for 30 days cover on an additional car about a month ago.

[DavidHM]

GTR LUST said:

Hi,
I'm better off to take out the 12 month policy, and cancel when I'm finished with it, as I only pay for the time I use and a 'Admin' Charge.

Bloody do this then, if this is the best deal.

In a similar situation to you, I did exactly that. It was fine.

[boyd88]

Have you tried ecar one month cover?