Temporary car insurance issues

[gtidriver]

Hi, I'm looking for some advice, please. Our Son has had a licence for 1year and a few days and a year's no claims bonus. His car is scrap as it'll fail an MOT on a rusty subframe. I have a company car, which my wife doesn't use as parking is a premium at work. I've tried so many different temporary Insurance companies with no luck, five companies have surgested tempcover, they wont even cover for an hour let alone a month, Vergo was a yes at a quite resonable £200 for five weeks cover but then i reread the t&c and its not available for company cars as they wont offer business use, it wont be for business use but computer says no and theres no person on the phone number to chat too. Any other ideas.??? The AA which the car is insured with is over 25s, so that's out.

[Hustle_]

Why does he need to motor for five weeks? Surely he will either no longer have a car or a replacement car will be bought?

Borrow somebody else's car? Strategic hire car use?

[gtidriver]

Five weeks was the longest, I think, it just means we can be more selective in his car purchase. The spare car has sat on my drive for the last month as it's not needed, but can't be returned till November.

[OddCat]

Why not just buy a new car now rather than in 5 weeks time?

Or just keep the MOT failure car at home, insured, and scrap it once he gets a new car transferring the insurance over at that point?

Otherwise, I think I must be missing something....

[gtidriver]

I have a small budget of around £3500, He currently has a Mercedes A150, and I want to get the same or a B150. There are loads of cars for sale, but when folk can't even bother to wash them before taking photos, I sort of shy away from them. What else can't they be bothered to do??

We drove from Ramsgate to Luton airport yesterday, b160, lovely photos, mot history not too bad, but the mayonnaise was thick and gooey the tyres were swapped from Contis to unknown, and the aircon was blowing lovely and warm. I can't be bothered, hence why I want to find the right car and not rush.

[OddCat]

Not sure I'd be busting a gut to buy a baby Merc when there are things like this available for just a tiny bit more:

[addey]

Its not totally clear from your OP what you are trying to achieve? You want to temporarily insure your son on your company car, that is currently insured with AA, who don't cover under-25? You could cancel the AA policy and take out a full new policy with an insurer that does cover under-25? Then cancel again when the car is returned on November. You should get a rebate on unused insurance. Or take out a whole new policy in your son's name on the car and cancel when you find something new for him (or transfer the policy to the new car)? In my experience temporary cover works out more expensive than taking out a full policy then cancelling when you no longer need it

[darreni]

Company cars are usually insured by the employer on a fleet policy. You can’t cancel the cover and replace it with a different policy.

[Monkeylegend]

gtidriver said:

Hi, I'm looking for some advice, please. Our Son has had a licence for 1year and a few days and a year's no claims bonus. His car is scrap as it'll fail an MOT on a rusty subframe. I have a company car, which my wife doesn't use as parking is a premium at work. I've tried so many different temporary Insurance companies with no luck, five companies have surgested tempcover, they wont even cover for an hour let alone a month, Vergo was a yes at a quite resonable £200 for five weeks cover but then i reread the t&c and its not available for company cars as they wont offer business use, it wont be for business use but computer says no and theres no person on the phone number to chat too. Any other ideas.??? The AA which the car is insured with is over 25s, so that's out.

Do you only have the Company car which is sitting unused?

Is the Company car with your own company and if so could you not transfer the V5 into your wifes/sons/your name?

It could then presumably be insured with Vergo.

[rhlshrm2430]

Honestly, company cars are a nightmare for temp cover - you might be better off adding him as a named driver for a month if your employer/lease allows it, or grabbing a cheap runaround with its own policy.

[Hustle_]

Car insurance terms very often prohibit an insurance product to be sold on a vehicle which is already comprehensively insured as it sets up an obvious liability issue.

[gtidriver]

Monkeylegend said:

gtidriver said:

Hi, I'm looking for some advice, please. Our Son has had a licence for 1year and a few days and a year's no claims bonus. His car is scrap as it'll fail an MOT on a rusty subframe. I have a company car, which my wife doesn't use as parking is a premium at work. I've tried so many different temporary Insurance companies with no luck, five companies have surgested tempcover, they wont even cover for an hour let alone a month, Vergo was a yes at a quite resonable £200 for five weeks cover but then i reread the t&c and its not available for company cars as they wont offer business use, it wont be for business use but computer says no and theres no person on the phone number to chat too. Any other ideas.??? The AA which the car is insured with is over 25s, so that's out.

Do you only have the Company car which is sitting unused?

Is the Company car with your own company and if so could you not transfer the V5 into your wifes/sons/your name?

It could then presumably be insured with Vergo.

Other car is also a company car, no chance of him getting insured on a Tesla. Can i transfer the Mini from ltd to my name if on finance??

[Hustle_]

All of that energy could be directed at buying a car.

Why does it have to be a Mercedes A150 / B160?

[Foss62]

Hustle_ said:

Car insurance terms very often prohibit an insurance product to be sold on a vehicle which is already comprehensively insured as it sets up an obvious liability issue.

Marmalade and Veygo were quite happy (at a price obviously) to insure my kids to drive my wife’s comprehensively insured car. Temporary time or mileage limited insurance is quite common.

There aren’t any liability issues that I can see? My son did actually have a (minor) collision and Marmalade paid the third party. The benefit of these sort of arrangements is that the main insurance is unaffected by any claim and the insurer wouldn’t normally even need to be told about it.

[gtidriver]

Hustle_ said:

All of that energy could be directed at buying a car.

Why does it have to be a Mercedes A150 / B160?

Mercedes are good cars, less likely to be driven hard and serviced correctly, plus excellent safety crash testing and reasonable insurance, servicing isn't too bad and consumables are responsible too. I'm paying so want to keep cost low.

[SV_WDC]

gtidriver said:

We drove from Ramsgate to Luton airport yesterday, b160, lovely photos, mot history not too bad, but the mayonnaise was thick and gooey the tyres were swapped from Contis to unknown, and the aircon was blowing lovely and warm. I can't be bothered, hence why I want to find the right car and not rush.

How much is an air con regas? Surely thats just a point of negotiation

[Hustle_]

SV_WDC said:

How much is an air con regas? Surely thats just a point of negotiation

It's never just a regas...

[gtidriver]

I spent over £2000 chasing a "just a regas" on a car that i was selling to my sister.