Selling and buying privately...insurance overlap?

[MattyB_]

For those of you who sell and buy privately, how do you work the overlap (or lack of it) for your car?

I need my car for work, so can't sell it before I buy its replacement. But if I buy my replacement before I've sold the old car, how do I insure both when my NCB is tied up on the car I'm now trying to sell?? Insurers who mirror NCB seem to be few-and-far between. I can't even leave the old car uninsured on the street because its now illegal...

How do you lot do it?

[RDB]

My insurer allows a second car to be added to the policy for a couple of weeks for around £30-40. I don't know how common that is though.

[Ozzie Osmond]

Talk to your insurance company. They are very used to dealing with exactly that situation.

[forsure]

Insurance companies allow for this.

Tell them you want a 'delayed sustitution'; they'll keep the old car on cover for an agreed period.

[MattyB_]

I didn't know they offered this...will give them a call, cheers.

[bobda]

If you're confident of selling the old car swiftly, take out a new policy (classic if possible or limited mileage to keep costs at minimum) and then as soon as you sell, cancel it. I've just done the same with an overlap, swapped main insurance to new car and took out a limited mileage (1500/year) policy on the old car. The old car sold within two weeks so I cancelled the new policy and since it was within 14 days the only penalty was the £30 arrangement fee from the broker.

[tiffx19]

More Than offer it for 7 days free of charge, and do not charge for change of vehicle either. Some others charge £25-£35 quid per time- gets expensive if you change cars as often as me!