Insurance Q's - 2 cars for the short term
Insurance Q's - 2 cars for the short term
Author
Discussion

Buzz84

Original Poster:

1,414 posts

170 months

Friday 25th November 2011
quotequote all
I am due to Collect my new car in a little over a week, I still have my old car which I need to sell privately (which I hope wont take long, even though I realise Christmas probably isn't the best time!)

The old car had its insurance renewed in Oct and was paid up for a year (and will cost £50 to cancel) so for this part it seems sensible to get this transfered to the new car.

So I believe that as the old car is taxed the law says I have to have it insured. I could SORN it as the tax is up at the end of NOV but 12 months tax will be a plus for selling it and also for driving it myself and/or test driving.
Anything other than comprehensive is not really an option as its a ~£8K car if anything happens to it. yearly policies will have cancellation charges when I do get a buyer for it.

Short term policies seem to have a 28 day limit on them? Just take out another?

Also I believe I can only use my no claims on one of the cars? which would make the temp one pricey I guess

So what would people advise? anything I am missing?

Thanks in advance.

snotrag

15,458 posts

232 months

Friday 25th November 2011
quotequote all
Just add the second car onto your policy.

I dont understand why people never think of this?

All my insurance companies have done it for me, for instance when I bought a new car before selling old one.

Simply rang up and asked them to add another car on for a day/week/month? Its always been cheap too.

Buzz84

Original Poster:

1,414 posts

170 months

Friday 25th November 2011
quotequote all
Now you mention it I have had them have the insurance overlap for a day while dropping off and collecting a new car, but wasn't aware it could be done for longer periods.

I put it down to "Admirals multicar" policy adverts! - It sort of implies that all other policies are "single-car"

I guess the cheapness comes from the fact that you cant drive both at the same time

H_Kan

4,942 posts

220 months

Friday 25th November 2011
quotequote all
Generally, most insurers will either mirror existing no claims on a second car or give a decent discount in light of existing no claims. You need to ring up and speak to somebody rather then use the online quotes though.

Buzz84

Original Poster:

1,414 posts

170 months

Saturday 26th November 2011
quotequote all
Thanks for the pointers, knew I was overlooking something Simple