Insurance Issues

Author
Discussion

starfield

Original Poster:

8 posts

38 months

Sunday 19th March
quotequote all
Hello All

I need some insurance advice: Here is the context:
I am having some guests over during Easter and I will need a bigger car to ferry everybody around. My car is a VX Astra and insured with LV, my wife's Yaris Hybrid is insured with Directline. My wife is second driver on mine and I am on hers. My brother in law has agreed to lend me his 8 seater Nissan Serena (imported from Japan) for that purpose. It is taxed and MOTed. However there is no insurnce on the vehicle. I have tried all if not most of the short term cover insurers online and none are willing to provide cover for that vehicle (is it because it is imported??).
How do I go about getting insurance for the Nissan Serena. I have not spoken to my insurance yet and I want to hear from you first.

InitialDave

11,200 posts

107 months

Sunday 19th March
quotequote all
What does your insurance documentation say about driving other cars?

If that's no good, and when you speak to your insurance about adding the car they don't want to play ball, I think the other choice is to take out a "normal" insurance policy and cancel it within 14 days.

rigga

8,290 posts

189 months

Sunday 19th March
quotequote all
Even if he had driving other car cover, the car itself needs to have a policy already in place.

InitialDave

11,200 posts

107 months

Sunday 19th March
quotequote all
rigga said:
Even if he had driving other car cover, the car itself needs to have a policy already in place.
Does it not depend on the wording of your policy?

2 sMoKiN bArReLs

29,243 posts

223 months

Sunday 19th March
quotequote all
Is your brother in law intending to use the vehicle himself anytime soon?

If so, what about he reinsures it and has you as a named driver? (But tells the insurer that between x & y dates you will be borrowing it to avoid a risk of fronting)

Or, you shuffle people around in the two cars you've got. Might end up being easier.

Or hire a vehicle that includes insurance?

Or use public transport in conjunction with Uber/taxi?

2 sMoKiN bArReLs

29,243 posts

223 months

Sunday 19th March
quotequote all
scratchchin Thinking about it, is it not a bit odd that it's taxed (rather than SORN) but not insured?

starfield

Original Poster:

8 posts

38 months

Sunday 19th March
quotequote all
2 sMoKiN bArReLs said:
scratchchin Thinking about it, is it not a bit odd that it's taxed (rather than SORN) but not insured?
In most cases this sounds odd. My brother in law is a second hand car dealer. His insurance is different: it allows for test drive, etc.

TwigtheWonderkid

40,935 posts

138 months

Sunday 19th March
quotequote all
InitialDave said:
rigga said:
Even if he had driving other car cover, the car itself needs to have a policy already in place.
Does it not depend on the wording of your policy?
Indeed it does. Some DOC extensions insist the car has it's own insurance, others do not.

2 sMoKiN bArReLs

29,243 posts

223 months

Sunday 19th March
quotequote all
starfield said:
2 sMoKiN bArReLs said:
scratchchin Thinking about it, is it not a bit odd that it's taxed (rather than SORN) but not insured?
In most cases this sounds odd. My brother in law is a second hand car dealer. His insurance is different: it allows for test drive, etc.
Yep, entirely different thumbup

bazza1603

156 posts

139 months

Sunday 19th March
quotequote all
Have you tried Flow insurance?

starfield

Original Poster:

8 posts

38 months

Sunday 19th March
quotequote all
Having spoken to LV insurance, they were unable to cover the Nissan Serena. My only option is to get a new quote on a comparison site putting my NCD years as zero. My NCD is currently in use in my VX Astra.

starfield

Original Poster:

8 posts

38 months

Sunday 19th March
quotequote all
I was quoted £343.91 on comparison site for a year. The plan is to buy the insurance and cancel it within 14days and hopefully get most of my money back

2 sMoKiN bArReLs

29,243 posts

223 months

Sunday 19th March
quotequote all
starfield said:
I was quoted £343.91 on comparison site for a year. The plan is to buy the insurance and cancel it within 14days and hopefully get most of my money back
thumbup

I hope you can get past the "are you the registered keeper" & "are you the owner" questions. These can be a pain on those comparison sites>



sixor8

5,229 posts

256 months

Sunday 19th March
quotequote all
Unless you need to cover 2 cars at the same time, why not transfer one insurance to the one you need, and then back again afterwards? It'll depend on if there is an 'admin' cost as to whether it is worth it. Direct Line don't charge one, it is done pro rata. Ask them? (Edited because I later noticed LV wouldn't cover it, possibly because its an import frown )

If you go ahead with a new policy and you have cover for less than 14 days, there shouldn't be a cancellation fee, this is the legal 'cooling off' period.


Edited by sixor8 on Sunday 19th March 19:14

2 sMoKiN bArReLs

29,243 posts

223 months

Sunday 19th March
quotequote all
sixor8 said:
If you go ahead with a new policy and you have cover for less than 14 days, there shouldn't be a cancellation fee, this is the legal 'cooling off' period.


Edited by sixor8 on Sunday 19th March 19:14
Unless you have a prang....