New car 10 days before policy ends

[AdeyP]

I need advice.

Picking up our new car in 3 days and old car going back (leased) and my policy for the old car ends in 11 days.

Should I:

Contact current insurer and just put the new car on for 11 days? I think they charge £35 + whatever the extra insurance for 11 days for the new car.

Or

Contact current insurer and cancel the insurance? I think they charge £75 for this privilege ??

Or

Or let the old insurance run for 11 days and just get a new insurance policy for our new car? But aren't I going to have an issue with my NCD? Because it's already being used on the other policy?

This is frying my brain.

Is there another option?

Edited by AdeyP on Sunday 19th May 11:18

[Monkeylegend]

Lurker alert

Never leave a car you no longer own, lease or drive, etc, insured on your policy even if only for 11 days.

That is a liability you don't want to have.

[Peter911]

Monkeylegend said:

Lurker alert

Never leave a car you no longer own, lease or drive, etc, insured on your policy even if only for 11 days.

That is a liability you don't want to have.

Just let it expire. You don’t have liability for the car as you’re no longer the keeper it so the insurance wouldn’t pay out anyway. The only thing is, it would show on the Emmy MID if the new owner chose not To insure it. As it’s probably a leasing company, they will have cover of their own and it will be sitting in a compound ready for auction or resale

[MrBen.911]

Peter911 said:

Just let it expire. You don’t have liability for the car as you’re no longer the keeper it so the insurance wouldn’t pay out anyway. The only thing is, it would show on the Emmy MID if the new owner chose not To insure it. As it’s probably a leasing company, they will have cover of their own and it will be sitting in a compound ready for auction or resale

If your policy is the only one shown for the vehicle, then it could in some circumstances have to pay out for TP damage/injuries. The fact you have sold the car doesn't necessarily prevent that as the insurer is still responsible under the RTA. Always cancel the policy, or switch to your new car.

[ARHarh]

I just did this last week, phoned and got a quote to change to new car for the 12 days left, they wanted £82. I had already got quotes for the new car as renewal of the existing policy was expensive to say the least. When confronted with the £82 fee i decided to cancel, and take out a new policy. They gave me a £5.49 refund. New policy cost £217.

[AdeyP]

Monkeylegend said:

Lurker alert

Haha, I'm sure I have posted before but it won't have been for 8 years. Maybe the server cleared my messages after so long?

[Dingu]

Peter911 said:

Just let it expire. You don’t have liability for the car as you’re no longer the keeper it so the insurance wouldn’t pay out anyway.

Absolutely untrue. There are scenarios where the TP liability would be paid out on.

OP: Just change the car on the policy, you might find as it’s so close to renewal they don’t charge the admin fee.

If you don’t want to do that then cancel it, you may in this situation find you don’t pay that cancellation fee as it would mean you paying more than the total cost of the policy for premium plus cancellation fee.

You’ll only know for sure contacting them though and asking the questions.

Edited by Dingu on Sunday 19th May 12:39

[Baldchap]

Pay the £35 quid and change it.

[alscar]

Dingu said:

Absolutely untrue. There are scenarios where the TP liability would be paid out on.

OP: Just change the car on the policy, you might find as it’s so close to renewal they don’t charge the admin fee.

If you don’t want to do that then cancel it, you may in this situation find you don’t pay that cancellation fee as it would mean you paying more than the total cost of the policy for premium plus cancellation fee.

You’ll only know for sure contacting them though and asking the questions.

Edited by Dingu on Sunday 19th May 12:39

This. You don’t want or need a policy for the old car in force and for 11 days I doubt the additional premium ( if indeed there is one ) will be that much. You may even be able to get the admin fee negated and you could also at the same time request a full 12 months cover quote.

[AdeyP]

Baldchap said:

Pay the £35 quid and change it.

Yeah I think this is the most sensible.

Thanks everyone 👍

[djgritt]

Call the insurer and just ask them if they can waive the administration fee if you are intending to remain with them for your next period of cover.

Don’t ask, don’t get.

I’ve managed to get out of paying admin fees for insurers and finance providers a few times when changing details by just politely asking and giving a simple reason as to why it would be justified .

[AdeyP]

djgritt said:

Call the insurer and just ask them if they can waive the administration fee if you are intending to remain with them for your next period of cover.

Don’t ask, don’t get.

I’ve managed to get out of paying admin fees for insurers and finance providers a few times when changing details by just politely asking and giving a simple reason as to why it would be justified .

Will do 👍

[AdeyP]

Just rang Stella. They won't/can't cover the new car for the last 10/11 days. The guy has sent a message through to the underwriter to see if they will cover it, but this may take 3 days. I pick the new car up in 2. Probably just have to cancel.

[Monkeylegend]

AdeyP said:

Just rang Stella. They won't/can't cover the new car for the last 10/11 days. The guy has sent a message through to the underwriter to see if they will cover it, but this may take 3 days. I pick the new car up in 2. Probably just have to cancel.

Go on line with the usual comparison websites and get a new policy with somebody that will cover it. Will take all of 15 minutes of your time.

You might even find Stella providing a quote

[bitchstewie]

Just check the NCD.

I had this happen literally two days or something stupid before my policy expired and they sent me a cancellation letter but it also stated NCD would still be valid.

[ARHarh]

When I canceled my policy the NCD for that year was not given, Not that it matters because the last claim I made was in 1985. So if you are fussed about NCD check it out.