OT: Insurance for a Month?

Assuming it's registered in your name, can you find someone who has insurance for a vehicle not owned by them (as most do), to drive it to/from MOT for you?

If not, what about temporarily transferring your campervan over? Obviously you could only do that if you are able to park it off-road. Most companies will do that either for a small charge, or sometimes for free.

Both the above options will be cheaper than short-term insurance, although that is also available.

Chris

I'm not sure about the (as most do). Usually the 'someone' has to have fully comp for their vehicle and that covers them to drive another vehicle but only with third party cover. In the case of my policy the other vehicle has to have a policy covering it already in order for my policy to cover it while I'm driving.

I suggest PaulJ has a word with his insurance company and see what they can offer. I had a similar situation and they simply switched the cover to a temporary vehicle for the few hours I had it.

I've also managed to arrange insurance for a single day and a week in the past.

Mine (Footman James) have been getting steadily more expensive for this, currently charging around 30 quid to cover a temporary additional vehicle. Max is 30 days, but shorter periods cost the same so are pointless. Against the cost of the MOT, it's hardly a huge sum and the OP might get some use out of the car.

I got quoted £12 for a days cover on a van I'm borrowing tomorrow, and that included the optional breakdown cover.

HTH

Bookmarked. That could be very useful. Please let us know if you have any problems with them.

I will if I ever use them. ;-)

My car is with NFU Mutual and they agreed to cover the van for the whole weekend for £10.50 as an additional vehicle. :-D

Indeed, but that would not necessarily be a problem for the OP.

I'm aware that some companies now make similar stipulations; in 46 years of motoring, with countless insurers, I've never had that condition imposed. I would not purchase insurance if it was.

Chris

Thanks for all your help and suggestions on this. My insurance policies only let me drive another vehicle if its already got insurance on it and not registered to me. I can get around the "not registered to me" bit, but as its sitting a garage SORN'ed and not insured, I can't comply with my insurance policies about it needing insurance on the Sierra I want to drive to the MOT. Both my policies are with different companies and are as cheap as I can get them. £128 for the car and £167 for the camper. Both fully comp. I wonder how much more I'd have to pay to get the option to drive a car without an existing insurance policy. How would that work as surely it would get pulled by any ANPR equipped copper as the car without a specific policy dedicated to it would not show on the insurance database.

I did try

but when I put the details in it said they would not insure the car for a month because its older than 1993. I can get third party for the year for the Sierra for £99 from and I expect there are a few cheaper. Looking like this is my oly option just to get it to an MOT.

I wish it was just as simple as adding cars to one policy, but in all the hunting I've done using sites like

and I've never been given the option to add a second vehicle to the same policy.

Any more suggestions very welcome.

Paul J

Find someone with trading plates and a spare moment to drive it for you to the test centre?

Unfortunately anyone is only likely to find out if they are any good after the event, i.e. trying to claim should an accident occur.

Another method, which could cost you nothing, is to arrange the policy on-line on the day, drive to the MOT come back & then cancel it. Under DSR you have 14 days to change your mind, which you of course have. It may take upto 21 days for the money to go back on your credit card, but done at the right time of the month could cost you nothing.

Alan...

There is that problem, which makes dayinsure rather annoying.

Another option might be to read through all the insurance companies' refund policies. Some go like this:

11 months remaining: repay 10 months' premium 10 months remaining: repay 8 9 months remaining: repay 6 7 months remaining: repay 2 6 or fewer months: no refund

I think Swiftcover is one of those, or maybe it's one that doesn't give refunds. If you can find one where you get a pro-rata refund for unused time rather than a diminishing percentage then that might work. Or maybe paying 2/12 of 99 quid would be enough. Watch out for heavy 'administration' fees.

Don't buy a policy on monthly installments and try to cancel the direct debit: they'll pursue you for the rest of the money (effectively you buy a year's insurance on hire-purchase).

Theo

That depends on how they do the monthly payments.

If they use 'Premium Credit', then you're right.

If it's a self-administered monthly direct debit, then you can usually cancel with no penalties.

Find a company that has a cooling off period where you can cancel the policy for a full refund minus a 'moderate' administration charge. It may work out cheaper than getting a policy for a day or two.... it may not but it maybe worth looking into....

- Paul

========================================= Consider a local vehicle recovery service - some are quite affordable for short distances. The last time I used one for MOT purposes the cost was £25-00 for delivery to the test station. The proprietor agreed to return the car to my home on condition that I then returned HIM to his garage. It's not cheap but it saves all the trouble and cost of arranging short term insurance.

Cic.

We were somewhere around Barstow, on the edge of the desert, when the drugs began to take hold. I remember "PaulJ" saying something like:

Why not just tow it? Either get a mate behind the wheel of it and a rope, or borrow an A-frame.

We were somewhere around Barstow, on the edge of the desert, when the drugs began to take hold. I remember Cicero saying something like:

Of course. When I last moved house I paid the local recovery bloke thirty quid for a ten mile uplift for a shiteoldGolf I was working on.

Would the towed car not also have to have insurance?

Chris

Chris Whelan gurgled happily, sounding much like they were saying:

Yep. And MOT. And tax. And be roadworthy.