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+--- Thread: Need some insurance help. (/showthread.php?tid=24450)
Need some insurance help. - Tom - 04-06-2014
Right this is probably going to be full of illegalities so if your not a rebel you might not want to read any further.
When i sold the 205 i switched my insurance policy onto my brothers car which isnt being used, this policy needs to run until the 29th of this month so i get my third year of no claims.
This current company will not let me change my policy to a car i want.
Technically im not aloud to use my no claims bonus on another policy because it is being used on my current one.
Im also a named driver on my mums policy but she is the only person on that policy covered 3rd party to drive other vehicles.
Question being is there anyway i can insure my new car to bring it home? Temp insurers wont touch me, im only 20 sadly. Could i just take out a policy online, drive the car home, then cancel it after a few days?
RE: Need some insurance help. - C.A.R. - 04-06-2014
Will your current insurer drop the cover to TPFT for the last month and make it affordable?
Have you finished paying the existing policy?
Ask your current insurer for the cost of renewal (on your brothers car, not in use). This will yield a letter which is sufficient proof of NCB for another insurer to use. It could work, a different insurer may accept it as proof of no claims (despite the term not yet being complete).
If that makes sense.
RE: Need some insurance help. - Tom - 04-06-2014
Will your current insurer drop the cover to TPFT for the last month and make it affordable?
Im already TPFT, its not cost thats the issue, they're policys say that i have to be 26 years of age or older to insure the car i want. I asked if theres a price to change that and they said no.
Have you finished paying the existing policy?
Yes i have, 10 monthly payments then nothing for the last 2.
Ask your current insurer for the cost of renewal (on your brothers car, not in use). This will yield a letter which is sufficient proof of NCB for another insurer to use. It could work, a different insurer may accept it as proof of no claims (despite the term not yet being complete).
Surely that would have the policy dates on and any insurer would see that im still "in policy" so to speak?
If that makes sense.
RE: Need some insurance help. - Chris_90 - 04-06-2014
Sorry I carnt help at all but what's the new car?
RE: Need some insurance help. - Toms306 - 04-06-2014
What insurance company is that? Haven't found any car I can't insure yet!!
RE: Need some insurance help. - Tom - 04-06-2014
1st central insurance, they suck, i can insure whatever i like really, just not with this stupid company.
RE: Need some insurance help. - 1616six - 04-06-2014
You can overlap NCB for up to 30 days with most companies..
RE: Need some insurance help. - Toms306 - 04-06-2014
Ah I see...never heard of them lol.
I just tend to temp insure on my own insurance, costs £17 for a week for pretty much any car lol. Admiral group ftw.
Tempcover costs stupid amounts even if you were old enough. How would you get to the car? If your Mums taking you, could she drive it back and you drive hers?
RE: Need some insurance help. - Tom - 04-06-2014
(04-06-2014, 01:42 PM)JJ0063 Wrote: You can overlap NCB for up to 30 days with most companies..
Oh really? The bloke at flux didnt think that was an option... If thats the case though then im good to go?
RE: Need some insurance help. - 1616six - 04-06-2014
PM me, i'll see what I can do.
RE: Need some insurance help. - Connor - 04-06-2014
Plates off, 3am. Job jobbed
RE: Need some insurance help. - silverzx - 04-06-2014
(04-06-2014, 02:18 PM)Connor Wrote: Plates off, 3am. Job jobbed
This.
Or borrow trade plates and say your "delivering" the car for whoever you borrowed the plates off.
Or break it, ring AA and get recovered.
All the above tried and tested.
RE: Need some insurance help. - Tom - 04-06-2014
(04-06-2014, 02:18 PM)Connor Wrote: Plates off, 3am. Job jobbed
Wouldnt normally bother with that down in Cornwall, but its from Wiltshire back down here, a good 200 miles (3 hour drive) dont want to risk it really!
(04-06-2014, 02:07 PM)JJ0063 Wrote: PM me, i'll see what I can do.
What would you like me to pm you?
(04-06-2014, 02:42 PM)silverzx Wrote:(04-06-2014, 02:18 PM)Connor Wrote: Plates off, 3am. Job jobbed
This.
Or borrow trade plates and say your "delivering" the car for whoever you borrowed the plates off.
Or break it, ring AA and get recovered.
All the above tried and tested.
Dont have trade plates, and wouldnt i have to sabotage the car to get AA to pick it up?
RE: Need some insurance help. - silverzx - 04-06-2014
(04-06-2014, 02:54 PM)Tom Wrote:(04-06-2014, 02:18 PM)Connor Wrote: Plates off, 3am. Job jobbed
Wouldnt normally bother with that down in Cornwall, but its from Wiltshire back down here, a good 200 miles (3 hour drive) dont want to risk it really!
Pfft! Theres no law enforcement Somerset downward, crack on!
RE: Need some insurance help. - Tom - 04-06-2014
Well i would need insurance eventually, hopefully Jordan is right and i can just start a new policy! That would be grand
RE: Need some insurance help. - 1616six - 04-06-2014
Like I say, PM me and i'll double check for you - should be fine
RE: Need some insurance help. - Tom - 04-06-2014
Done and done kind sir.
RE: Need some insurance help. - Dum-Dum - 04-06-2014
Your initial idea is probably the best mate although probably fraud if you take it out intending to cancel it
Insurance is a financial product that you get a 15 day cooling off period with in which you can cancel at any time and get all your money back if you change your mind (as long as you haven't claimed on it)
RE: Need some insurance help. - Tom - 04-06-2014
(04-06-2014, 04:57 PM)Dum-Dum Wrote: Your initial idea is probably the best mate although probably fraud if you take it out intending to cancel it
Insurance is a financial product that you get a 15 day cooling off period with in which you can cancel at any time and get all your money back if you change your mind (as long as you haven't claimed on it)
Thats exactly what i thought, but out officially un official adrian flux representative (Jordan) is being a great help to my situation via PM
Hopefully i will be sorted soon
RE: Need some insurance help. - C2K - 04-06-2014
To get my TVR home mid-year I bought a policy, then drove home, used it for 2 days, then cancelled under the cooling off period.