Insuring two cars with an overlap period

[s94wht]

What's the most cost-efficient way to do this? I currently have one car insured with 9 years no claims. I am looking to buy another car, from a private seller, and it's unlikely (nigh on impossible) that I sell my current car first. At the moment it seems unlikely as well that I will be insuring with the same provider. What are the best steps to take? How can I move my no claims to the new car?

[Alorotom]

Can you not temp-cover the existing, shift your NCB to the new - your existing provider may even be able to do this for you

[essayer]

Your insurer should be able to add a ‘temporary additional vehicle’ to your policy

Transfer your insurance to the new car then add the old one as a TAV

[2 sMoKiN bArReLs]

When we were in the similar situation we did as suggested.

Move main insurance over to the new car, then insure the existing temporary. For this we used Cuvva, where you can insure for very short periods.

We luckily didn't need to make a claim, so can't comment on that aspect!

[Cats_pyjamas]

Speak to your insurer, I did it on a field rally car I bought. Was zero problem, think it cost me around £40 at the time (though was about 8 years ago)

Used it on the road for month prior to taking to a mates farm. Much fun.

[s94wht]

Yeah I guess that works. I suspect I won't be with the same insurer as I'm not sure they'll cover me on the new car until I've had it a year (I am yet to phone them) but I suppose I can just do similar ie. cancel the old, insure the new, then temp cover the old

Cheers all

[WPA]

essayer said:

Your insurer should be able to add a ‘temporary additional vehicle’ to your policy

Transfer your insurance to the new car then add the old one as a TAV

I have done this in the past, I believe it is a maximum of 42 days but might be different now

[Mr Tidy]

When I changed cars in 2019 I swapped the policy to the new car and the existing insurer covered the old one as a temporary additional vehicle at a monthly cost, but would only do it for 3 months. Luckily I sold it in 2!

[Rotary Potato]

s94wht said:

What's the most cost-efficient way to do this? I currently have one car insured with 9 years no claims. I am looking to buy another car, from a private seller, and it's unlikely (nigh on impossible) that I sell my current car first. At the moment it seems unlikely as well that I will be insuring with the same provider. What are the best steps to take? How can I move my no claims to the new car?

Last time I did this (2019) my insurer at the time - the AA - offered me a month of free cover on the old car when I phoned them to swap over. Completely unprompted, but worked out well for me as meant while selling the old car, I could do test drives, keep it parked on the road, etc.

That was a very cost effective way of doing it!

Obviously depends on your current insurer being similarly minded, but if you don't ask, you don't get.

[s94wht]

Hi all, me again. Confirmed that the current insurer won't insure me on the new car until I've had it a year.

Got a decent enough quote from Admiral, which with my NCB is about £100 less than if I don't use it. With that in mind, is it worth

A) Phoning Admiral, seeing if they can insure new car and add my old car as temp, then phoning and cancelling old car

B) Insuring new car with Admiral, without using NCB, keep old one rolling as is. If I then sell old car, and cancel with old provider, can I move the NCB "mid policy" to Admiral? Or will I have to wait until renewal? (I assume, in that case, the new car can go from 0 straight to 9 years NCB as that's what I built up on this car)

Trying to weigh up not only cost, but convenience. If I leave the old one running, I might spend £100 extra on the new car, but could save more than that by not buying temp cover. Equally, I don't want to waste my time phoning Admiral and sitting on hold if the answers to my qs are already known!

[RSTurboPaul]

DayInsure will cover a car for a number of weeks for not silly money, and IIRC it can be extended if necessary.