To insure or not to insure

[tinytom11]

Ive got my practical test next week.

I'm buying a car this weekend.

I should insure the car as soon as I buy it, correct? incase of a fire, theft or anything random...

I just want to know what to have to do, If I insure it when I buy it under a provisional license, I'll need to update it when I pass my test to show a full license?

Can I just buy a few days insurance as a provisional and then hopefully if I pass then fully insure it on the day I pass? Also, will I be abl to drive it the day I pass?

[scjgreen]

If you insure the Car on your Provisional Licence then when you pass your test you can call the Insurer and change the policy to relate to your Full Licence.
This will probably incur an Admin Fee and also your Insurance will also increase considerably.

Good Luck on your Test

[schmalex]

tinytom11 said:

Ive got my practical test next week.

I'm buying a car this weekend.

I should insure the car as soon as I buy it, correct? incase of a fire, theft or anything random... Yes

I just want to know what to have to do, If I insure it when I buy it under a provisional license, I'll need to update it when I pass my test to show a full license? Yes

Can I just buy a few days insurance as a provisional and then hopefully if I pass then fully insure it on the day I pass? Also, will I be abl to drive it the day I pass? Doubtful. But, expect your insurance to go up considerably when you've passed your test

[SydneyBridge]

It will need to be insured as soon you buy it, on a provisional licence, until you pass.
Just means you are building up your NCB before you pass

[anonymous-user]

Providing someone else drives it back after you buy it or you get it delivered, and its on private land at that point, I dont think you wouldnt need to insure it until you want to drive it.

[LukeR94]

Ive got my practical test next week.

I'm buying a car this weekend. Ok

I should insure the car as soon as I buy it, correct? incase of a fire, theft or anything random... Yes, you never know

I just want to know what to have to do, If I insure it when I buy it under a provisional license, I'll need to update it when I pass my test to show a full license? Yes, you will, it will almost certainly increase in price though, so make them aware when buying so they can tell you how much it will increase

Can I just buy a few days insurance as a provisionalYes, but its unlikely you will get any, most temp insurance is for full license holders only and then hopefully if I pass then fully insure it on the day I pass? Also, will I be ablw to drive it the day I pass? Yes I did the same

[annsxman]

Yes, you should insure it from the moment you acquire it.

Apart from covering you if it were to burst into flame the minute after you buy it. you could then drive it on your provisional licence if you were accompanied by a full licence holder.

[xRIEx]

tinytom11 said:

I should insure the car as soon as I buy it, correct? incase of a fire, theft or anything random...

If a vehicle is used or kept on the road it must be taxed; if it's taxed it must be insured; you will need to pay tax when you buy the car, via the gov.uk website or their phone line (I daren't call it a helpline).

Unless it's getting delivered to your drive, it will need to be taxed. Once it's on your drive (and SORNed) you don't have to have it insured for fire, theft and accidental damage, but it's not a bad idea - it depends on what the insurance would cost compared to what the car is worth to you.

tinytom11 said:

I just want to know what to have to do, If I insure it when I buy it under a provisional license, I'll need to update it when I pass my test to show a full license?

Yes, you would need to advise your insurer/broker that you have a full licence when you get that.

tinytom11 said:

Can I just buy a few days insurance as a provisional and then hopefully if I pass then fully insure it on the day I pass? Also, will I be abl to drive it the day I pass?

It depends if you can get cover as a provisional licence holder - they'll usually sell you a year's policy and then you just tell them when you get a full licence (the cost will probably go up at that point too). This can all be done on the phone usually, so yes, all going well you can get it sorted on the day you pass.

Good luck

[Fatrat]

I insured my son on a provisional licence with iKube (black box and all that stuff) but they don't put the price up at all when you pass your test

Good luck

[SuperVM]

My brother-in-law has recently gone down this path. I found some quotes for him and the cheapest by a long way was Flux Direct, but only while he is still learning. Once he passes I'm sure the premium will increase (it did when my wife passed) and I found Flux Direct was about £2k more than the cheapest quote when I looked for quotes as though he had passed. it will be interesting to see what they do to his premium once he passes. If you manage to pass within 14 days of taking out your insurance policy, then at least you can cancel it for an admin fee, plus the proportionate cost of the insurance period.

[tinytom11]

Ok, so I'm purchasing a year of insurance under provisional license, then three days later, I can ring provider and change that to full license holder, that's ok? I take it I will just have to pay the difference

[SydneyBridge]

tinytom11 said:

Ok, so I'm purchasing a year of insurance under provisional license, then three days later, I can ring provider and change that to full license holder, that's ok? I take it I will just have to pay the difference

correct - assuming you pass your test- goof luck by the way...