Cheapest insurance for a day?

[Acheron]

Need to insure a car for a day for reasons i cannot be bothered to go into. The cheapest quote so far is £27 from rac insurance. Tried dayinsure who were more expensive.

Anyone got any other suggestions or ideas or recommendations?

The vehicle itself is uninsured, so i cannot use it thrid party on behalf of another policy.

[Acheron]

bump

[GKP]

27 quid seems fine. Buy it.

[geeteeaye]

Acheron said:

Need to insure a car for a day for reasons i cannot be bothered to go into. The cheapest quote so far is £27 from rac insurance. Tried dayinsure who were more expensive.

Anyone got any other suggestions or ideas or recommendations?

The vehicle itself is uninsured, so i cannot use it thrid party on behalf of another policy.

I may be wrong but I don't think this is the case? You wouldn't want to leave said vehicle parked on the road as it will then be uninsured in the event of something happening to it, but as long as it isn't registered to you/your address I believe you are entitled to drive it on a third party basis under your comprehensive insurance (obviously assuming your policy permits this as mine does). You will however be flagged by ANPR so could get pulled over by plod and go through ballache explaining it.

[Acheron]

geeteeaye said:

I may be wrong but I don't think this is the case? You wouldn't want to leave said vehicle parked on the road as it will then be uninsured in the event of something happening to it, but as long as it isn't registered to you/your address I believe you are entitled to drive it on a third party basis under your comprehensive insurance (obviously assuming your policy permits this as mine does). You will however be flagged by ANPR so could get pulled over by plod and go through ballache explaining it.

You can't drive third party unless there is an insurance policy attached to the vehicle itself.

[geeteeaye]

Acheron said:

geeteeaye said:

I may be wrong but I don't think this is the case? You wouldn't want to leave said vehicle parked on the road as it will then be uninsured in the event of something happening to it, but as long as it isn't registered to you/your address I believe you are entitled to drive it on a third party basis under your comprehensive insurance (obviously assuming your policy permits this as mine does). You will however be flagged by ANPR so could get pulled over by plod and go through ballache explaining it.

You can't drive third party unless there is an insurance policy attached to the vehicle itself.

This is what Aviva (as an example) say about driving other cars:

Aviva website said:

Driving other cars:

We will insure you, for third party only cover, whilst you are driving any other car within Great Britain, Northern Ireland, the Channel Islands and the Isle of Man providing;

* the car does not belong to you or is not hired to you under a hire purchase agreement,
* you are driving the car with the owners express consent,
* you still have your car and it has not been damaged beyond cost effective repair,
* you are aged 25 or above,
* your certificate of motor insurance indicates that you can drive such a vehicle.

[yinujim]

ecar are the cheapest. £27 is a rip off.

[AndyHSPL]

Used RAC quite a few times in the past and always found them to be the cheepest although there's usually only pennys in it to be fair.

[wizzbilly]

Acheron said:

You can't drive third party unless there is an insurance policy attached to the vehicle itself.

my policy covers me to drive other cars if they have insurance on or not providing they are not in my name and have owners concent to do so .

been pulled few times using a mates car while i was trying to get mine fixed and they checked and all was ok on my way .

[R1 Loon]

Acheron said:

You can't drive third party unless there is an insurance policy attached to the vehicle itself.

Wrong.

[pejay]

wizzbilly said:

my policy covers me to drive other cars if they have insurance on or not providing they are not in my name and have owners concent to do so .

been pulled few times using a mates car while i was trying to get mine fixed and they checked and all was ok on my way .

Mine too (Direct Line) - but don't the new continuous insurance rules put a stop to this?


P.S. OP - say goodbye to this thread now. It was nice while it lasted...!

[R1 Loon]

pejay said:

Mine too (Direct Line) - but don't the new continuous insurance rules put a stop to this?

Only in the sense that the car would be declared SORN, so you'd be driving without VED, but with insurance.

[pejay]

R1 Loon said:

Only in the sense that the car would be declared SORN, so you'd be driving without VED, but with insurance.

So that'd be possible £1000 fine / car seized?

What if you hadn't applied for SORN (although clearly it's required). Is that the same penalty?

[R1 Loon]

pejay said:

So that'd be possible £1000 fine / car seized?

What if you hadn't applied for SORN (although clearly it's required). Is that the same penalty?

If the car's taxed, then there's little that can be done. Obviously you can't tax a vehicle on the DOC extension so it needs to be taxed already.

[Acheron]

wizzbilly said:

my policy covers me to drive other cars if they have insurance on or not providing they are not in my name and have owners concent to do so .

been pulled few times using a mates car while i was trying to get mine fixed and they checked and all was ok on my way .

So what if you park your Veyron on a hill, which is uninsured. You are driving it under the policy attached to your £400 fiesta.

Veyron rolls away and smashes through a shop.

Who gets claimed off?

[geeteeaye]

Acheron said:

So what if you park your Veyron on a hill, which is uninsured. You are driving it under the policy attached to your £400 fiesta.

Veyron rolls away and smashes through a shop.

Who gets claimed off?

As per my earlier post, it only applies to vehicles not registered to you.

Also as per my post, it is not recommended to park said vehicle on the road and leave unattended as it is then uninsured.

[R1 Loon]

Acheron said:

So what if you park your Veyron on a hill, which is uninsured. You are driving it under the policy attached to your £400 fiesta.

Veyron rolls away and smashes through a shop.

Who gets claimed off?

The MIB.

Closely followed by the MIB suing the owner of the Veyron for all damage caused by their vehicle to recover the outlay.

Just for good measure, the Police will confiscate and probably crush the Veyron for having no insurance onthe Public Highway.

[Acheron]

yinujim said:

ecar are the cheapest. £27 is a rip off.

Had a look, seemed quite good but rejected me because im 24, and they only touch 25+

[R1 Loon]

yinujim said:

ecar are the cheapest. £27 is a rip off.

How do you figure that, when they are covering you for £20million worth of liability and the full value of your car on top?

Given that the chances of crashing a car in one day are actually higher than crashing a car that you drive more frequently on any given day, then maybe it's not that bad.

[A911DOM]

Surely the (unethical) answer here is:

Insure the car on a full years cover - The following day/week phone up and exercise your '14 day cooling off period' rights and claim all your money back.

• NB - there may a 20 quid admin charge attached to this - but still a cracking deal for 2 weeks cover