cpjitservices Posted March 13, 2014 Posted March 13, 2014 Hi all, How does it work IF I'm buying a car.. (Which I'm not yet) obviously, If i'm going to view a car, I might not buy it for one reason or another... but If I did buy it do I have to phone an insurance company and get insured on the spot ? Or Do I have to take someone with me who is insured fully comp ? but then I understand it that the vehicle in it's own right has to be insured for anyone to be able to drive it fully comp or not ? How's it work ? I'm guessing I couldn't drive it home then insure it ? Thanks all.
synaesthesia Posted March 13, 2014 Posted March 13, 2014 Generally anyone who is fully comp can drive it unless they have a really skinflint policy When I passed my test, I got a friend to drive it home for me. However in most cases you don't just walk into a showroom, pick a car and pay for it on the spot & walk out, you'd normally have a couple of days to sort things out finance wise and including insurance. 1
Steve21 Posted March 13, 2014 Posted March 13, 2014 It has to have insurance on for the whole third-party comp stuff to work normally. If it's still insured under the other "company/person" it'd count, but if it's not you can't officially without ringing up/trailer etc. Steve
abillybob Posted March 13, 2014 Posted March 13, 2014 If buying a car from an auction normally you have to take it there and then so it depends where you buy it from. The car needs to be taxed and mot'd then you have two choices you can either insure it on the spot by calling up and insurance company or doing it online. Though if you have someone around you that is fully comp and their insurance states they can drive any other car third party normally then they can drive it back as long as it's mot'd and taxed aswell!
cpjitservices Posted March 13, 2014 Author Posted March 13, 2014 (edited) OK Everywhere I read, Car has to be insured in it's own right ... this includes someone driving it Fully Comp. Especially Vehicles not owned by themselves... I guess its a thorough read of a policy. Confused :S (And not the insurance compare site) Edited March 13, 2014 by cpjitservices
HarryMonkey Posted March 13, 2014 Posted March 13, 2014 Depending on your policy, you are probably covered (third party only), to drive any car, provided that car is insured (by someone else), so you would probably be covered say, to take it for a test drive. However, if you chose to then buy the car, the current owner is within his rights to cancel his insurance and you may get flagged up on your way home and cop for ten points. So it would be worth maybe, arranging to either collect the car on a different day when you've arranged insurance or phone your insurance company on the day and arrange to insure it there and then.
CAM Posted March 13, 2014 Posted March 13, 2014 If you are buying from a dealer, they will need time to get the car ready. I took delivery of my car 7 days after it was purchased during which time I was given a free 7-day temporary insurance contract so the garage could tax and MOT the vehicle. It was timed so I could drive the car home on picking it up and expired at midnight when my own policy kicked in. If you are buying privately you will need to ensure Tax, MOT and your own insurance policy are in order before you drive away. In my case, my Dad drove my first car as he has a policy that allows him to drive any car on third party cover (plus I was 18 and hadn't passed yet).
Andrew_C Posted March 13, 2014 Posted March 13, 2014 But if you are buying privately... You could do either. Take a fully comp friend with you, phone to confirm a policy*, or give the seller a deposit and go back a day or two later to collect. If buying from any form of dealer, they will/should have insurance covering test drives. *If you know what sort of car you are looking for, get some quotes in advance.
cpjitservices Posted March 13, 2014 Author Posted March 13, 2014 HMmmmm thanks for all of the information and advice.. whoever comes with me to buy needs to check their policy first make sure they can drive 3rd party.... will probs be buying privately so will make sure it still holds insurance... at least until I get it home
laserblazer Posted March 13, 2014 Posted March 13, 2014 Please take heed of what @HarryMonkey says. Some insurance companies will only insure you to drive a vehicle not belonging to you, providing the car's owner has valid insurance. Check with your insurance company to make sure. Also, a lot of policies for younger drivers doesn't include the any car third party cover.
abillybob Posted March 13, 2014 Posted March 13, 2014 Do what the mrs did, find an old bloke who can drive get him to take the car back as quickly as possible and dodge the cops (don't actually do this! But I'm amazed she got away with it)
cpjitservices Posted March 13, 2014 Author Posted March 13, 2014 At least I'm over the age threshold I hope im 26 in May.. I might see if I can be insured under the companies insurance as that does cover driving ANY Vehicle.. might have to ask nicely OR pay for a policy before I get a car.. I know what Im looking for.... Anything hatchback / estate, Diesel... something like a Citroen C5 or Pug 406, Focus TDCI or Mondeo Diesel.
visioN Posted March 13, 2014 Posted March 13, 2014 It's a tricky one. If someone is fully comp they can drive a car with the owners permission and it being insured by them already. If you buy from a dealer, they often give you "free" 24 hour or a weeks insurance so you can drive it home (I think i got 1 weeks free insurance, when I bought from Evans halshaw) - all they do then is give you a quote, which you can reject as I did. Then if it is private / auction purchase I would suggest speaking with the auction company and ask how they usually proceed with this. When I got mine, I got a friend to drive mine back because he had a trade license (working in a garage) so can drive the car even if not insured, but these are hard to come by I think! Quick Google... Short-term car insurance | AA Short-term car insurance is ideal for: immediate drive-away insurance if you've just bought a car
mac_shinobi Posted March 13, 2014 Posted March 13, 2014 OK Everywhere I read, Car has to be insured in it's own right ... this includes someone driving it Fully Comp. Especially Vehicles not owned by themselves... I guess its a thorough read of a policy. Confused :S (And not the insurance compare site) Back near the end of 2008 when I got my first car ( 1997 honda civic 1.4 L petrol ), paid for the car, using my phone went on confused.com did a car insurance quote for it and found that Elephant were the cheapest and called them up said Ive got this car, about to drive it home and need to pay for insurance fully comp. Did it on the spot and was allowed to drive it back myself, may be worth while finding out who is going to be the cheapest for you and call them up and make sure you are ok to do what I did, am guessing so, as long as you do it before attempting to drive back. 1
cpjitservices Posted March 13, 2014 Author Posted March 13, 2014 OK i've just had a word with the company manager and they can insure a car for me under the company policy ... thats nice of them .. so I can be insured from the date I buy it And I'd be a named driver on all the company vehicles Thanks for the information everyone!! 1
jinnantonnixx Posted March 13, 2014 Posted March 13, 2014 (edited) Please take heed of what @HarryMonkey says. Some insurance companies will only insure you to drive a vehicle not belonging to you, providing the car's owner has valid insurance. Check with your insurance company to make sure. Also, a lot of policies for younger drivers doesn't include the any car third party cover. ^^^^ This. As soon as you buy the car it belongs to you, so your own insurance clause allowing you to drive other vehicles not belonging to you is not applicable and you are not covered. Get an in-principle quote, then either arrange a transfer date/time or make sure you collect the car during office hours so you insure on the spot. edit: posted after the above post appeared. Edited March 13, 2014 by jinnantonnixx
cpjitservices Posted March 13, 2014 Author Posted March 13, 2014 (edited) Although I can be covered on the company insurance, it's not easy to buy a car if you've just passed your test or are a new driver / without an already existing policy. Seems quite daunting and a bit of a nightmare for a new driver. Edited March 13, 2014 by cpjitservices
laserblazer Posted March 13, 2014 Posted March 13, 2014 Although I can be covered on the company insurance, it's not easy to buy a car if you've just passed your test or are a new driver / without an already existing policy. Seems quite daunting and a bit of a nightmare for a new driver. You can get a worthwhile discount with some insurers if you elect to have a "blackbox" fitted. This monitors how you are driving, speed, braking, cornering etc. If you exceed a given limit, ie. brake hard, spin wheels, corner too fast, it clocks up points. Presumably, if you drive like a lune they put your premium up. Black box car insurance - Compare quotes - Confused.com
themightymrp Posted March 13, 2014 Posted March 13, 2014 I've only been driving for 2 months (and I'm 32) and found my best quote using Compare the Market. Went with Swiftcover in the end, fully comp. However I have already changed to my second car to save money. Started with an X reg Ford Focus 1.6 petrol, changed to an 04 reg Rover Streetwise 1.4 litre and saved over £230 for the year!!! Plus an additional £110 saving on road tax for the year. My policy only covers me driving my car though, not other peoples so REALLY take note of any fine print! Did it all online though and was able to arrange cover for same day, so picking up the car was no hassle
Andrew_C Posted March 13, 2014 Posted March 13, 2014 I was with Swiftcover a while back. When changing cars, I called them, and they gave me a weeks cover on both old, and new car. FREE, (well, within the cost of my policy) 1
themightymrp Posted March 13, 2014 Posted March 13, 2014 And if you happen to change your car and update your policy online its also free Avoiding the £30 admin charge which you would get over the phone 1
cpjitservices Posted March 13, 2014 Author Posted March 13, 2014 some great info being given here, its clear and relevant. Thanks all.
bondbill2k2 Posted March 13, 2014 Posted March 13, 2014 I've called my insurance up in the past and asked for a temporary cover note on a vehicle for the day before changing over fully 1
momoshi Posted March 17, 2014 Posted March 17, 2014 Most likely, the car should be insured first before you can drive it home. Or you can have a trailer delivered it to you or something. I think the company where you are buying it if its brand new offers that. Anyway, if you are interested on getting a comprehensive insurance try reading an article here. You can also get a quote online there if you want.
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