Insuring a track car briefly for the road - thoughts chaps?
Discussion
I have just bought this bad boy - -
stripped out, modded to hell, but still road legal and with an MOT until May.
I need to get it from the seller in Hull down to my home and do not have access to a trailer at the moment, so would need to have it insured to drive on the road for this trip (or maybe a month of insurance so I can take it to mechanics etc)
Thoughts on best way to do this?
stripped out, modded to hell, but still road legal and with an MOT until May.
I need to get it from the seller in Hull down to my home and do not have access to a trailer at the moment, so would need to have it insured to drive on the road for this trip (or maybe a month of insurance so I can take it to mechanics etc)
Thoughts on best way to do this?
Yes you can get temporary or "day insruance" (look on google). The car will need to be i) road legal, ii) have a valid MOT, iii) have tax.
Note, there is an exception where you can drive an untaxed car on the road, but you'll still need insurance and you need to be driving it to a pre-booked MOT. That doesn't apply to you, as you're transporting the car, not taking it to MOT. Another option would be to try on shiply.com and see if you can get someone to transport it for you, or hire your own trailer or transport company.
Note, there is an exception where you can drive an untaxed car on the road, but you'll still need insurance and you need to be driving it to a pre-booked MOT. That doesn't apply to you, as you're transporting the car, not taking it to MOT. Another option would be to try on shiply.com and see if you can get someone to transport it for you, or hire your own trailer or transport company.
some excellent tips there. Ultimately trailering it might end up cheaper than 6 months road tax I guess?
Basically I am picking it up, taking it with the seller (who is a mate) for a shakedown at Cadwell Park, and then taking it south. After that it will probably be on a trailer from April.
Basically I am picking it up, taking it with the seller (who is a mate) for a shakedown at Cadwell Park, and then taking it south. After that it will probably be on a trailer from April.
All insurance policies have a 14-day cooling off period by law.
The last time I did this they kept £85 for administration though... which apparently is legal so I were ferked on that occasion. But if you use a reputable insurer rather than the pikie broker I used recently then you usually get it all back.
I used Direct Line once and ended up liking a car I thought I was only driving for a day or two so ended up keeping the insurance policy for the full 12 months.
yeah, so don't go through a broker... but all insurance policies have a 14 day cooling off period mandated in law. They have a right to charge a cancellation fee. Perhaps ask them about that before you buy the policy.
The last time I did this they kept £85 for administration though... which apparently is legal so I were ferked on that occasion. But if you use a reputable insurer rather than the pikie broker I used recently then you usually get it all back.
I used Direct Line once and ended up liking a car I thought I was only driving for a day or two so ended up keeping the insurance policy for the full 12 months.
yeah, so don't go through a broker... but all insurance policies have a 14 day cooling off period mandated in law. They have a right to charge a cancellation fee. Perhaps ask them about that before you buy the policy.
ejenner said:
All insurance policies have a 14-day cooling off period by law.
The last time I did this they kept £85 for administration though... which apparently is legal so I were ferked on that occasion. But if you use a reputable insurer rather than the pikie broker I used recently then you usually get it all back.
I used Direct Line once and ended up liking a car I thought I was only driving for a day or two so ended up keeping the insurance policy for the full 12 months.
yeah, so don't go through a broker... but all insurance policies have a 14 day cooling off period mandated in law. They have a right to charge a cancellation fee. Perhaps ask them about that before you buy the policy.
Your refund will be reduced by a pro-rata charge for the time on risk. Plus an admin feee.The last time I did this they kept £85 for administration though... which apparently is legal so I were ferked on that occasion. But if you use a reputable insurer rather than the pikie broker I used recently then you usually get it all back.
I used Direct Line once and ended up liking a car I thought I was only driving for a day or two so ended up keeping the insurance policy for the full 12 months.
yeah, so don't go through a broker... but all insurance policies have a 14 day cooling off period mandated in law. They have a right to charge a cancellation fee. Perhaps ask them about that before you buy the policy.
mrmr96 said:
ejenner said:
All insurance policies have a 14-day cooling off period by law.
The last time I did this they kept £85 for administration though... which apparently is legal so I were ferked on that occasion. But if you use a reputable insurer rather than the pikie broker I used recently then you usually get it all back.
I used Direct Line once and ended up liking a car I thought I was only driving for a day or two so ended up keeping the insurance policy for the full 12 months.
yeah, so don't go through a broker... but all insurance policies have a 14 day cooling off period mandated in law. They have a right to charge a cancellation fee. Perhaps ask them about that before you buy the policy.
Your refund will be reduced by a pro-rata charge for the time on risk. Plus an admin feee.The last time I did this they kept £85 for administration though... which apparently is legal so I were ferked on that occasion. But if you use a reputable insurer rather than the pikie broker I used recently then you usually get it all back.
I used Direct Line once and ended up liking a car I thought I was only driving for a day or two so ended up keeping the insurance policy for the full 12 months.
yeah, so don't go through a broker... but all insurance policies have a 14 day cooling off period mandated in law. They have a right to charge a cancellation fee. Perhaps ask them about that before you buy the policy.
rallycross said:
Modified car needs modified car insurance Wont be easy to find one day insurance on this, also on day insurance has lots of other restrictions (age of driver age and value of car ) hence hiring a trailer for £60 for a weekend is the sensible option.
Yeah, fair comment.
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