Insurance query - need both cars insured during cross-over
Discussion
Just need to sanity check something if anyone in insurance can advise..?
I have a lease car insured with Aviva that needs to stay insured until they pick it up - this could be a week or two's time. I'm probably picking up the replacement car on Weds, this will need insuring from that date.
Am I better off:
1) Swap insurance with Aviva from the old to the new car, maintaining the c.6 months NCB I've accrued and take out a new policy on the old car for a fortnight?
2) Just take new insurance policy on the new car (Admiral are cheaper than Aviva), leave the old one on Aviva then cancel it when the lease co pick it up and move the NCB to the new Admiral policy?
I have 13 years protected NCB. I don't know exactly how long I'll need cover on the old car for. Aviva apparently can't insure both cars on my policy at the same time (apparenlty it requires a whole new policy/different product).
I've looked at temporary cover but to be frank it's outrageously expensive (I was quoted over £200 for the week - my annual policy is only £450!). Ultimately I need two policies for a short while and am not sure which the best route is to take. I'm sure I'll get hit for admin/cancellation fees somewhere by one or the other...
Any recommendations would be gratefully received!
I have a lease car insured with Aviva that needs to stay insured until they pick it up - this could be a week or two's time. I'm probably picking up the replacement car on Weds, this will need insuring from that date.
Am I better off:
1) Swap insurance with Aviva from the old to the new car, maintaining the c.6 months NCB I've accrued and take out a new policy on the old car for a fortnight?
2) Just take new insurance policy on the new car (Admiral are cheaper than Aviva), leave the old one on Aviva then cancel it when the lease co pick it up and move the NCB to the new Admiral policy?
I have 13 years protected NCB. I don't know exactly how long I'll need cover on the old car for. Aviva apparently can't insure both cars on my policy at the same time (apparenlty it requires a whole new policy/different product).
I've looked at temporary cover but to be frank it's outrageously expensive (I was quoted over £200 for the week - my annual policy is only £450!). Ultimately I need two policies for a short while and am not sure which the best route is to take. I'm sure I'll get hit for admin/cancellation fees somewhere by one or the other...
Any recommendations would be gratefully received!
Last time I asked about ad-hoc insurance on here someone pointed me in the direction of the 'Cuvva' app you can put on your mobile phone. Was something like £10 for the day to insure one of my cars to take it out for a one-off drive. So you would leave the current insurance on the lease car until it goes. Use Cuvva for the new car as and when you want to drive it until you can swap your main policy onto your new car.
ingenieur said:
Last time I asked about ad-hoc insurance on here someone pointed me in the direction of the 'Cuvva' app you can put on your mobile phone. Was something like £10 for the day to insure one of my cars to take it out for a one-off drive. So you would leave the current insurance on the lease car until it goes. Use Cuvva for the new car as and when you want to drive it until you can swap your main policy onto your new car.
That's what we did.Transfer the main insurance to the new car, that's then done & can be forgotten.
We took Cuvva out on the old car until it went. Was a straight forward process (although...thankfully we didn't need to make a claim!)
ingenieur said:
Last time I asked about ad-hoc insurance on here someone pointed me in the direction of the 'Cuvva' app you can put on your mobile phone. Was something like £10 for the day to insure one of my cars to take it out for a one-off drive. So you would leave the current insurance on the lease car until it goes. Use Cuvva for the new car as and when you want to drive it until you can swap your main policy onto your new car.
Just ran a quote with Cuvva for the current car and they'll only insure up to £40k vehicle value...so I thought perhaps I could insure the new car with Cuvva short-term, leaving the existing car with Aviva until it's picked up - then move the new car over to Aviva. No; Cuvva want £235 for 7 days rising to £490 for 14 days. I'm better off taking out a full annual policy and cancelling it than using Cuvva...
MitchT said:
Possibly a dumb question, but why not pick up the new car when the lease car goes?
New car Weds (was sooner than I expected) and the lease co could take weeks to arrange collection based on some info I've heard. Trying to coordinate that would be nigh-on impossible. I'd also like at least a few days to get a full valet done along with some minor remedial work on the lease car to improve my chances of not getting thumped with charges...!Looking at it, I have a feeling it's going to be easier to take a new policy on the new car then cancel that and move it to my Aviva policy once the lease car's gone. Even with fees etc it's likely to work out cheaper plus it keeps my NCB intact?
Ah, you'd think, eh? Apparently they won't take a call with the policy I'm on - even if I want to spend more money with them. They would have to change the policy to completely different one in order to insure more than one car at a time. I even moved to Aviva from QMH due to QMH being only 'self-service' but apparently my Aviva policy is too (I hadn't spotted it's 'Aviva Online' rather than just 'Aviva'... 
).
The car insurance industry is a bloody joke tbh; it shouldn't be this stupid or this difficult.
).The car insurance industry is a bloody joke tbh; it shouldn't be this stupid or this difficult.
Can be an issue sometimes especially if the existing policy is dare I say it cheaper than others ie flexibility and service don’t necessarily go hand in hand with cheap prices.
You also want 2 cars insured for more than say the usual crossover period which I guess would be a half day.
That said it’s poor service but perhaps being online doesn’t allow a conversation where you could explain although I can’t believe they don’t have a phone number or email address to use.
All you want is for Aviva to extend your policy to cover 2 cars temporarily - you will have to say go for a 2week maximum although if they have rules maybe that’s the problem.
If the lease car ceases to be yours on the set date of your new car arriving then if you aren’t using it do you even need to insure it as technically not yours to insure - obviously if you not adhering to the dates of the lease then maybe that’s why.
Temporary insurance tends to be expensive for obvious reasons.
Good luck.
You also want 2 cars insured for more than say the usual crossover period which I guess would be a half day.
That said it’s poor service but perhaps being online doesn’t allow a conversation where you could explain although I can’t believe they don’t have a phone number or email address to use.
All you want is for Aviva to extend your policy to cover 2 cars temporarily - you will have to say go for a 2week maximum although if they have rules maybe that’s the problem.
If the lease car ceases to be yours on the set date of your new car arriving then if you aren’t using it do you even need to insure it as technically not yours to insure - obviously if you not adhering to the dates of the lease then maybe that’s why.
Temporary insurance tends to be expensive for obvious reasons.
Good luck.
Aviva said:
Thank you for contacting us.
Upon reviewing your query, I wish to inform you that we unfortunately do not offer Multi-Car policies as we only insure one vehicle per policy.
We only provide cover for both the old and new vehicle for one day which would be the date of change so you may use your old vehicle to pick up your new vehicle.
You'd need to seek alternative short term insurance for your new vehicle until the old vehicle has been collected then you can amend the vehicle on your policy to your new vehicle.
I have attached the steps on how to amend your vehicle on your policy in your My Aviva Online account.
It’s simple enough to do:
Log in to MyAviva
Select your Aviva Online policy, then choose Details
Scroll down to My policies
Find the policy you wish to update and choose Change policy
Select Change car details and usage
You can change your policy, see how it will affect your premium and make any extra payments. You'll be able to see your new premium and if there are any additional payments due before you accept the change. If your policy hasn’t started yet, you’ll need to set the effective date of change to be the same as your start date. We’ll cover your old vehicle on the date of the change until you pick up your new vehicle. Your cover will commence for your new car when you drive it away. In the meantime, you'll be fully covered to drive your current car.
If you are wanting to add a second vehicle to your policy unfortunately this would not be possible as we do not offer multi-vehicle policies.
Should you only require short term cover on a second vehicle we also offer this. Please visit our direct website where you will be able to obtain a new business quote or short-term cover.
I hope this resolves your query, should you need anything else, please log in to your MyAviva account or visit our Need Help pages.
Their 'short-term cover' is via Dayinsure - I tried them for the 840i (they won't insure it despite having Aviva branding all over the partnership). If I insure the new car for 14 days they want £180 for the privilege...Upon reviewing your query, I wish to inform you that we unfortunately do not offer Multi-Car policies as we only insure one vehicle per policy.
We only provide cover for both the old and new vehicle for one day which would be the date of change so you may use your old vehicle to pick up your new vehicle.
You'd need to seek alternative short term insurance for your new vehicle until the old vehicle has been collected then you can amend the vehicle on your policy to your new vehicle.
I have attached the steps on how to amend your vehicle on your policy in your My Aviva Online account.
It’s simple enough to do:
Log in to MyAviva
Select your Aviva Online policy, then choose Details
Scroll down to My policies
Find the policy you wish to update and choose Change policy
Select Change car details and usage
You can change your policy, see how it will affect your premium and make any extra payments. You'll be able to see your new premium and if there are any additional payments due before you accept the change. If your policy hasn’t started yet, you’ll need to set the effective date of change to be the same as your start date. We’ll cover your old vehicle on the date of the change until you pick up your new vehicle. Your cover will commence for your new car when you drive it away. In the meantime, you'll be fully covered to drive your current car.
If you are wanting to add a second vehicle to your policy unfortunately this would not be possible as we do not offer multi-vehicle policies.
Should you only require short term cover on a second vehicle we also offer this. Please visit our direct website where you will be able to obtain a new business quote or short-term cover.
I hope this resolves your query, should you need anything else, please log in to your MyAviva account or visit our Need Help pages.
I'm going to take out a new policy with Admiral on the new car and hope the other car can be collected within the 14 days - I'll then cancel with Admiral and take the £25 fee hit and get a refund on the premium. I'll then move the car to my Aviva policy which maintains the NCB. What a palaver - I do feel a bit bad taking the policy knowing full well I'll need to cancel it though but what else am I supposed to do? I'm not paying some £200-odd for a fortnight's cover, that's just mental.
Edited by Funk on Monday 17th October 22:49
If the lease is coming to its natural conclusion then surely it's not your responsibility to insure the car beyond that point? Therefore, tell the supplier of the new car that you can't accept delivery until the day after the lease ends on the existing car. Arrange for the insurance to move across at that point. The lease company will have to arrange their own insurance once the lease has ended so the car can sit on the street outside your house until they can be bothered collecting it.
It just doesn't tie up that neatly unfortunately and the terms of the lease say it's my responsibility to keep it insured until it's collected. The agents lease cos use for vehicle collection can often be a bit hit-and-miss timing-wise.
I think the scenario I outlined above sounds like the optimal way to approach things in order to not lose accrued NCB and minimise the cost incurred.
However, there HAS to be a better and more cost-effective way to 'doing car insurance' and NCB than this; it's ridiculous. Why does NCB go with the car rather than the driver for example? I can't drive two cars at once and I'm the (lower) risk reflected in my NCB - this should apply to a driver named on two policies.
Anyway, I think I've arrived at the only viable way of doing this without more f
kaboutery than necessary.
I think the scenario I outlined above sounds like the optimal way to approach things in order to not lose accrued NCB and minimise the cost incurred.
However, there HAS to be a better and more cost-effective way to 'doing car insurance' and NCB than this; it's ridiculous. Why does NCB go with the car rather than the driver for example? I can't drive two cars at once and I'm the (lower) risk reflected in my NCB - this should apply to a driver named on two policies.
Anyway, I think I've arrived at the only viable way of doing this without more f
kaboutery than necessary.MitchT said:
If the lease is coming to its natural conclusion then surely it's not your responsibility to insure the car beyond that point? Therefore, tell the supplier of the new car that you can't accept delivery until the day after the lease ends on the existing car. Arrange for the insurance to move across at that point. The lease company will have to arrange their own insurance once the lease has ended so the car can sit on the street outside your house until they can be bothered collecting it.
CorrectOnce the contract is over , the car is no longer your responsibility
Funk said:
ingenieur said:
Last time I asked about ad-hoc insurance on here someone pointed me in the direction of the 'Cuvva' app you can put on your mobile phone. Was something like £10 for the day to insure one of my cars to take it out for a one-off drive. So you would leave the current insurance on the lease car until it goes. Use Cuvva for the new car as and when you want to drive it until you can swap your main policy onto your new car.
Just ran a quote with Cuvva for the current car and they'll only insure up to £40k vehicle value...so I thought perhaps I could insure the new car with Cuvva short-term, leaving the existing car with Aviva until it's picked up - then move the new car over to Aviva. No; Cuvva want £235 for 7 days rising to £490 for 14 days. I'm better off taking out a full annual policy and cancelling it than using Cuvva...MitchT said:
Possibly a dumb question, but why not pick up the new car when the lease car goes?
New car Weds (was sooner than I expected) and the lease co could take weeks to arrange collection based on some info I've heard. Trying to coordinate that would be nigh-on impossible. I'd also like at least a few days to get a full valet done along with some minor remedial work on the lease car to improve my chances of not getting thumped with charges...!Looking at it, I have a feeling it's going to be easier to take a new policy on the new car then cancel that and move it to my Aviva policy once the lease car's gone. Even with fees etc it's likely to work out cheaper plus it keeps my NCB intact?
Gassing Station | Car Buying | Top of Page | What's New | My Stuff