Insuring a new car before you've sold the old one
Discussion
On Wednesday I'm picking up my new car so I need to sort the insurance out in the next day or so.
I'm currently insured with A plan and was going to call them and ask what they would suggest but figure that they'll probably direct me to something that benefits them more than me.
I understand that there is going to be some issue with the NCD when insuring two cars so I'm just wondering what would be the best way to insure the new car and keep the old one insured while I try to sell it, without too much financial pain and/or general hassle?
I'm currently insured with A plan and was going to call them and ask what they would suggest but figure that they'll probably direct me to something that benefits them more than me.
I understand that there is going to be some issue with the NCD when insuring two cars so I'm just wondering what would be the best way to insure the new car and keep the old one insured while I try to sell it, without too much financial pain and/or general hassle?
Unfortunately, unless you have a multicar policy, it's generally going to be expensive for the period of overlap.
I was stung the first time I did this as I was with a nautically-themed insurer who banged on about multicar policies, and then found my particular product was about the only one that couldn't be upgraded. So, I found it was cheaper to cancel that policy, take out a multicar policy with a Gangsters Paradise-themed insurance company, then deleted the old car a few months later when I sold it.
I was stung the first time I did this as I was with a nautically-themed insurer who banged on about multicar policies, and then found my particular product was about the only one that couldn't be upgraded. So, I found it was cheaper to cancel that policy, take out a multicar policy with a Gangsters Paradise-themed insurance company, then deleted the old car a few months later when I sold it.
donkmeister said:
Unfortunately, unless you have a multicar policy, it's generally going to be expensive for the period of overlap.
Disagree. Many times I've bought a new car I've had it added temporarily to an existing policy for a week or two, for minimal cost, to allow for the time when I have two cars before the old one gets sold. These are not 'multicar' policies either. Even A-plan have done this for me!
snotrag said:
donkmeister said:
Unfortunately, unless you have a multicar policy, it's generally going to be expensive for the period of overlap.
Disagree. Everytime I've bought a new car I've had it added temporarily to an existing policy for a week or two, for minimal cost, to allow for the time when I have two cars before the old one gets sold. These are not 'multicar' policies either. Even A-plan have done this for me!
Whenever I've bought a car I've phoned up my insurance company, changed the policy to insure the new car and they kept the old one on there for a few weeks.
snotrag said:
Disagree. Many times I've bought a new car I've had it added temporarily to an existing policy for a week or two, for minimal cost, to allow for the time when I have two cars before the old one gets sold.
These are not 'multicar' policies either. Even A-plan have done this for me!
That sounds good. I'll give A plan a call and see what they say. To be fair to them they've always been fairly helpful whenever I've had to deal with them.These are not 'multicar' policies either. Even A-plan have done this for me!
spitfire-ian said:
snotrag said:
donkmeister said:
Unfortunately, unless you have a multicar policy, it's generally going to be expensive for the period of overlap.
Disagree. Everytime I've bought a new car I've had it added temporarily to an existing policy for a week or two, for minimal cost, to allow for the time when I have two cars before the old one gets sold. These are not 'multicar' policies either. Even A-plan have done this for me!
Whenever I've bought a car I've phoned up my insurance company, changed the policy to insure the new car and they kept the old one on there for a few weeks.
Rang A plan. They said the way forward was a new policy and then I could cancel the old one when the car is sold.
Problem is new quote is way more than I was expecting. No idea why.
Got a basic quote on confused at less than half the price but then they're going to want to see proof of NCD and A plan can only issue this when I cancel my existing policy.
Not sure what to do now, will probably just have to take up the arse on this occasion or try and get the new provider to mirror it, which is a hassle I don't really have time for.
On the plus side A plan have been good when I used them in the past
Problem is new quote is way more than I was expecting. No idea why.
Got a basic quote on confused at less than half the price but then they're going to want to see proof of NCD and A plan can only issue this when I cancel my existing policy.
Not sure what to do now, will probably just have to take up the arse on this occasion or try and get the new provider to mirror it, which is a hassle I don't really have time for.
On the plus side A plan have been good when I used them in the past
TameRacingDriver said:
Rang A plan. They said the way forward was a new policy and then I could cancel the old one when the car is sold.
Problem is new quote is way more than I was expecting. No idea why.
Got a basic quote on confused at less than half the price but then they're going to want to see proof of NCD and A plan can only issue this when I cancel my existing policy.
Not sure what to do now, will probably just have to take up the arse on this occasion or try and get the new provider to mirror it, which is a hassle I don't really have time for.
On the plus side A plan have been good when I used them in the past
Depending on what it is and how long you think it may take to sell is it worth looking at one of the various temporary cover companies to see how much they would charge for a month?Problem is new quote is way more than I was expecting. No idea why.
Got a basic quote on confused at less than half the price but then they're going to want to see proof of NCD and A plan can only issue this when I cancel my existing policy.
Not sure what to do now, will probably just have to take up the arse on this occasion or try and get the new provider to mirror it, which is a hassle I don't really have time for.
On the plus side A plan have been good when I used them in the past
TameRacingDriver said:
Rang A plan. They said the way forward was a new policy and then I could cancel the old one when the car is sold.
Problem is new quote is way more than I was expecting. No idea why.
Got a basic quote on confused at less than half the price but then they're going to want to see proof of NCD and A plan can only issue this when I cancel my existing policy.
Not sure what to do now, will probably just have to take up the arse on this occasion or try and get the new provider to mirror it, which is a hassle I don't really have time for.
On the plus side A plan have been good when I used them in the past
You have 14 days from the start of a new policy to confirm NCD, so no issues with starting a new policy and then confirming NCD afterwardsProblem is new quote is way more than I was expecting. No idea why.
Got a basic quote on confused at less than half the price but then they're going to want to see proof of NCD and A plan can only issue this when I cancel my existing policy.
Not sure what to do now, will probably just have to take up the arse on this occasion or try and get the new provider to mirror it, which is a hassle I don't really have time for.
On the plus side A plan have been good when I used them in the past
Hoofy said:
Dunno why you haven't already called them even if just for a quote. Whenever I've done this, it's like £30 or so for 30 days.
I have called them and a new policy is all they offered, however I'm going to call back and try this.I tried via confused for temporary cover and the cheapest quote was £460 for a MONTH
I ran into this issue when I bought my replacement car last year. Every option seemed to be excessively expensive (the short-term cover is a complete rip-off) and my existing insurer wouldn't add a second car to the policy (they said I would have to change the existing policy to a different one).
I decided that if the insurers wanted to play silly f
kers then I would too; I took out the cheapest new policy with a new insurer. Left the NCD on the existing policy. The old car went a few weeks later so I transferred the new car to the old policy and binned the new policy. Ended up costing me about £30 or so.
The way car insurance works in this country is utterly stupid and needs reform.
I decided that if the insurers wanted to play silly f
kers then I would too; I took out the cheapest new policy with a new insurer. Left the NCD on the existing policy. The old car went a few weeks later so I transferred the new car to the old policy and binned the new policy. Ended up costing me about £30 or so.The way car insurance works in this country is utterly stupid and needs reform.
TameRacingDriver said:
Rang A plan. They said the way forward was a new policy and then I could cancel the old one when the car is sold.
Problem is new quote is way more than I was expecting. No idea why.
Got a basic quote on confused at less than half the price but then they're going to want to see proof of NCD and A plan can only issue this when I cancel my existing policy.
Not sure what to do now, will probably just have to take up the arse on this occasion or try and get the new provider to mirror it, which is a hassle I don't really have time for.
On the plus side A plan have been good when I used them in the past
The NCD may not be worth as much as you think. Try the above confused again with no NCD - you may be pleasantly surprised. I also find adding another named driver (wife - who never actually drives the car) reduces it by ~ 20%. Problem is new quote is way more than I was expecting. No idea why.
Got a basic quote on confused at less than half the price but then they're going to want to see proof of NCD and A plan can only issue this when I cancel my existing policy.
Not sure what to do now, will probably just have to take up the arse on this occasion or try and get the new provider to mirror it, which is a hassle I don't really have time for.
On the plus side A plan have been good when I used them in the past
Called back, they don't do temporary insurance but they did knock some more money off so I've gone ahead with it in the end as I can't be doing with the hassle given that the price quoted is just about reasonable now and I've always had good service from them.
Funk - I did think about doing what you suggested to be fair
I'm just not sure how long the old car will stick around.
Thanks all, a bit of a ball ache but hey ho.
Funk - I did think about doing what you suggested to be fair
I'm just not sure how long the old car will stick around.Thanks all, a bit of a ball ache but hey ho.
Funk said:
I ran into this issue when I bought my replacement car last year. Every option seemed to be excessively expensive (the short-term cover is a complete rip-off) and my existing insurer wouldn't add a second car to the policy (they said I would have to change the existing policy to a different one).
I decided that if the insurers wanted to play silly fkers then I would too; I took out the cheapest new policy with a new insurer. Left the NCD on the existing policy. The old car went a few weeks later so I transferred the new car to the old policy and binned the new policy. Ended up costing me about £30 or so.
The way car insurance works in this country is utterly stupid and needs reform.
It’s priced as needed to make any money - if anything it shows how cheap whole year insurance is. Don’t be so silly, you are a grown adult. The mad thing is your proposed solution isn’t a bad one, just surrounded by childish tantrums. I decided that if the insurers wanted to play silly f
kers then I would too; I took out the cheapest new policy with a new insurer. Left the NCD on the existing policy. The old car went a few weeks later so I transferred the new car to the old policy and binned the new policy. Ended up costing me about £30 or so.The way car insurance works in this country is utterly stupid and needs reform.
TameRacingDriver said:
Hoofy said:
Dunno why you haven't already called them even if just for a quote. Whenever I've done this, it's like £30 or so for 30 days.
I have called them and a new policy is all they offered, however I'm going to call back and try this.I tried via confused for temporary cover and the cheapest quote was £460 for a MONTH
I have no idea why they can't offer you a temp crossover. Direct Line had no problems with this (even though their online system is dire when you have two or more cars - you need one email per account/car!!). Whoever I was with before were fine with a temp extension, too. Did the rep understand what you were trying to do?
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