Need insurance for a single day

[Geekman]

First of all, I'm 17 so will not be covered by any temporary insurance company (to my knowledge)
I currently have a fully comp policy on my own car but apparently it will not let me drive other cars, again due to my age
I need to collect a car from northumberland and drive it back to kent. It'll take me one day, so basically I need one days insurance.
The only way I've thought about doing it is taking out a policy with, for example, admiral, and then cancelling the policy when I get back as apparantly if you cancel within 7 days they just charge you a £25 admin fee - can anyone confirm or deny this?
My main concern with doing this is that taking out a yearly policy would probably cost me around £3000, and I'd need to be very, very sure that I'd be getting that money back when I cancelled the policy.
If anyone could offer me some advice I'd really appreciate it

Edited by Geekman on Monday 28th May 20:38

[Needa308GT4]

take a grown up with you and get them to drive.

[richardxjr]

No chance imho. Get someone else (older) to drive it.

[Geekman]

Needa308GT4 said:

take a grown up with you and get them to drive.

This is most likely what I'll end up doing, but it'll be difficult to organise as my parents are working away quite a lot in the next few months. Hence why I want to make sure there's definitely no other options.

[Needa308GT4]

Geekman said:

This is most likely what I'll end up doing, but it'll be difficult to organise as my parents are working away quite a lot in the next few months. Hence why I want to make sure there's definitely no other options.

to be fair, and I admit my reply was a tad rude, for which I apologise, it's probably going to be the only way you're going to get it done

[David87]

There are numerous companies who offer pay-per-day insurance, but almost all require the driver to be at least 21.

[Baron Greenback]

I presume you've tried Adrian flux! Also civil servant insurance society , google it phone don't rely on online application you don't have to be a civil servant!

[Geekman]

Baron Greenback said:

I presume you've tried Adrian flux! Also civil servant insurance society , google it phone don't rely on online application you don't have to be a civil servant!

I have, and it's the same situation with admiral and other companies. Technically, they will only charge me admin fees and the fees for the time I've been covered, which should be under £100, but I'm slightly apprehensive about handing over that amount of money in case they try to fight me when I cancel the policy

[66comanche]

Geekman said:

The only way I've thought about doing it is taking out a policy with, for example, admiral, and then cancelling the policy when I get back as apparantly if you cancel within 7 days they just charge you a £25 admin fee - can anyone confirm or deny this?

You won't get any support on here for this 'option' (especially if ZOLLAR happens to see this thread!!!) but in theory it would work. You can cancel the policy during the cooling off period and the policy will effectively be cancelled from inception with no premiums to pay, just an admin fee. I imagine all sorts of badness will happen to you though if they somehow got wind this was your plan all along, or you did get into a bump and they did investigation into reasons for your journey etc - could get very messy.

[Geekman]

66comanche said:

You won't get any support on here for this 'option' (especially if ZOLLAR happens to see this thread!!!) but in theory it would work. You can cancel the policy during the cooling off period and the policy will effectively be cancelled from inception with no premiums to pay, just an admin fee. I imagine all sorts of badness will happen to you though if they somehow got wind this was your plan all along, or you did get into a bump and they did investigation into reasons for your journey etc - could get very messy.

I must admit that ethically, I don't feel too great about it either, but the way I see it is that I'll be spending £1800 in a few months time with them when I do eventually end up insuring the car, so in the long term they'll still benefit from me. As far as accidents go, that certainly would put me in a whole load of s**t, but although I'm not a driving god (hard to be when you've only been driving 9 months!) I'm confident that I'd be able to get it home without any difficulties, my dad's an IAM member and has been teaching me roadcraft since I was about 12, and although I like to "drive in a spirited fashion" as much as anyone, I can be extremely careful when necessary.

[eltax91]

Geekman said:

I have, and it's the same situation with admiral and other companies. Technically, they will only charge me admin fees and the fees for the time I've been covered, which should be under £100, but I'm slightly apprehensive about handing over that amount of money in case they try to fight me when I cancel the policy

Are you sure you can't get it collected by a transporter type company? Might be better than risking the insurance route.

[N Dentressangle]

eltax91 said:

Are you sure you can't get it collected by a transporter type company? Might be better than risking the insurance route.

This. Put the details of the load and journey into:

http://www.shiply.com/

and see what quotes come back. No obligation, so you've nothing to lose. Might not be worth your insurance, petrol and travelling expenses for what some guys on Shiply are happy charging!

[Geekman]

N Dentressangle said:

This. Put the details of the load and journey into:

http://www.shiply.com/

and see what quotes come back. No obligation, so you've nothing to lose. Might not be worth your insurance, petrol and travelling expenses for what some guys on Shiply are happy charging!

Thanks, I'll take a look at that tomorrow. Only problem I can forsee there is that I'd have to hand over the cash without actually seeing the car. Although it's being sold by a friend of a friend and I'm fairly confident its as perfect as he says it is, I'm not confident enough to buy it unseen. I could of course go to see it and come back on the train, then book it to be delivered, but this would potentially be quite expensive and again I'd have to hand over the cash without actually seeing the car

[eltax91]

I know this link is old, but do ebay still do their free drive away insurance? If so, he lists car, you buy and pay him the £30 fees, you sign up for the free insurance and drive it away....

http://www2.ebay.com/aw/uk/200603211336482.html