Slimy38
|
| posted on 13/2/15 at 10:04 PM |
|
|
short term insurance for any car
I'm currently looking at cars for my wife, and because I have a company car I don't have third party cover for other cars. Does anyone
know if the short term insurance (1-28 days) can be done for any car or does it have to be done for a specific car? I've just got a quote from
the RAC and while the price was ok, it was against a specific reg number which will be useless if I'm test driving cars.
I should mention this is specifically for private sales, I'm aware that dealers tend to have their own cover.
|
|
|
|
|
SteveWalker
|
| posted on 13/2/15 at 10:38 PM |
|
|
Is it worth trying to speak to the company car insurers?
|
|
|
gremlin1234
|
| posted on 13/2/15 at 10:48 PM |
|
|
may be worth looking to see if the car you are building could be insured, and that policy give the required cover for driving other vehicles.
|
|
|
Simon
|
| posted on 14/2/15 at 05:33 PM |
|
|
You will get Third Party Only cover irrespective assuming you take out a Comp Policy on a named car. For insurance you need a material interest (ie
financial) and having a moral interest or "doing the right thing" if you stack a test driven car doesn't count.
Just found this to back up what I said 
http://www.theaa.com/motoring_advice/car-buyers-guide/cbg_testdrivetips.html
ATB
Simon
|
|
|
Simon
|
| posted on 14/2/15 at 05:34 PM |
|
|
Saying that, found this a bit further down
http://www.insuredaily.co.uk/test-drive-insurance
ATB
Simon
|
|
|
Slimy38
|
| posted on 14/2/15 at 05:53 PM |
|
|
quote:
Originally posted by Simon
You will get Third Party Only cover irrespective assuming you take out a Comp Policy on a named car. For insurance you need a material interest (ie
financial) and having a moral interest or "doing the right thing" if you stack a test driven car doesn't count.
Just found this to back up what I said
http://www.theaa.com/motoring_advice/car-buyers-guide/cbg_testdrivetips.html
ATB
Simon
I'm not sure what you mean here? I don't have a fully comp policy myself, I don't actually own a car to have a policy on! (The car
being built is nowhere near the stage of being called a car). And I need at the very least some form of third party cover to drive any car on a public
road.
As the article mentioned, dealers tend to have some form of cover, but I'd be very surprised if private sellers would extend their own policy to
cover test drives (to be fair I didn't even know you could do that!).
However, I am a named driver on my wife's fully comp policy. I wonder whether her DOC option covers me as well? I guess it's time to scour
the policy details...
|
|
|
