Short Term Insurance On Currently Uninsured Vehicle

[EViS]

The policy on one of our vehicles expired last week. It's registered in my name, currently taxed and parked on the driveway. The other half needs to use the vehicle this weekend for an abroad trip. After this, it will be parked back onto the driveway and put up for sale.

Hence, I don't see the point of taking out a new annual policy in my name, and her as a named driver, then cancelling it and paying a variety of 'admin' fees in the process.

Can she take out a temporary cover insurance policy without there being a 'main' annual policy in existence and would this be valid? Or would the vehicle flag up as uninsured by ANPR cameras?

Likewise, when we come to sell the vehicle and go out on test drives with potential buyers, would their insurance be valid?

Edited by EViS on Tuesday 17th March 20:29

[TwigtheWonderkid]

EViS said:

The policy on one of our vehicles expired last week. It's registered in my name, currently taxed and parked on the driveway.

You are breaking the law now. If it's taxed, you must insure it. If it's not insured, you need to sorn it. Even if it's off the road.

[Mound Dawg]

TwigtheWonderkid said:

You are breaking the law now. If it's taxed, you must insure it. If it's not insured, you need to sorn it. Even if it's off the road.

Yup. Welcome to the world of "continuous insurance" and expect a fine through the post if you don't.

[TooMany2cvs]

EViS said:

Hence, I don't see the point of taking out a new annual policy in my name, and her as a named driver, then cancelling it and paying a variety of 'admin' fees in the process.

It probably won't be a lot pricier than a short-term policy.

EViS said:

Likewise, when we come to sell the vehicle and go out on test drives with potential buyers, would their insurance be valid?

You'd need to check their paperwork to be sure. Some might, some won't. I suspect the majority fall into the latter camp. All my DOC clauses for the last few years certainly did.

[Toaster Pilot]

Temporary insurance from companies like Dayinsure updates the MID

[Leptons]

Believe you can take out a new policy and then cancel within 14 days and get a refund. They will probably hit you with an admin fee and the price of the 2 weeks insurance but it'll no doubt work out less than the cost of temp cover.