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+--- Thread: Second car insurance question (/showthread.php?tid=27065)
Second car insurance question - jack_o - 07-10-2014
I have fully comprehensive insurance, I checked with the insurer when taking it out if I could drive any car with the owner's permission on a third party basis and they confirmed that I could.
Now if I buy a second car, and give myself as the owner permission to drive it, would I be covered on a third party basis by my existing insurance?
RE: Second car insurance question - 1616six - 07-10-2014
No...
The owner has to be someone else (funnily enough) and also have their own insurance on the vehicle.
RE: Second car insurance question - cully - 07-10-2014
what he said^^^^
get a second policy on limited miles some company's will mirror your existing policy no claims bonus onto the new policy if you have any.
i have done this with my second car
Re: Second car insurance question - MisterGTR - 07-10-2014
Admiral multi car and push them to mirror your ncb. They will do it.
RE: Second car insurance question - Mattcheese31 - 07-10-2014
A lot of places will mirror your ncb
RE: Second car insurance question - Orta - 07-10-2014
Unfortunately not. As said previously it's only "other people's cars". It's also an offence now remember to have a taxed car that's not insured. And you can't tax an uninsured car so your plan wouldn't work even if you signed it over to your dad or something.
RE: Second car insurance question - jack_o - 07-10-2014
Thanks for the answer guys, i suspected as much. It makes getting a new car or donor car much more of a ballache. I've not been driving for long so have no NCB, insurance is usually around £1000 for a year or £200 per month. Obviously i can cancel my old insurance and get the money back from that but it requires a lot more cash on hand in the interim.
RE: Second car insurance question - 1616six - 07-10-2014
If you've only recently passed, are you sure you have the benefit? Do you mind me asking how old you are?
RE: Second car insurance question - jack_o - 07-10-2014
I'm 25, I got insurance within days of passing and the insurance confirmed I had the benefit due to age. It infuriated my 24 year old housemate who can't despite having 7 years experience
RE: Second car insurance question - 1616six - 07-10-2014
Ah that makes sense
RE: Second car insurance question - Orta - 08-10-2014
Ah the joys of being old. 10 years ncb next year for me haha
RE: Second car insurance question - cully - 08-10-2014
(08-10-2014, 07:09 AM)Orta Wrote: Ah the joys of being old. 10 years ncb next year for me haha
16 years for me and the wife
RE: Second car insurance question - Matt-Rallye - 08-10-2014
(08-10-2014, 07:09 AM)Orta Wrote: Ah the joys of being pre-historic. 10 years ncb next year for me haha
Edited for you chap
RE: Second car insurance question - Orta - 08-10-2014
(08-10-2014, 07:30 AM)Matt-Rallye Wrote:(08-10-2014, 07:09 AM)Orta Wrote: Ah the joys of being pre-historic. 10 years ncb next year for me haha
Edited for you chap
Cheeky!!
RE: Second car insurance question - welshpug - 08-10-2014
if you buy another car call your insurance company and add it temporarily so you can drive it home.