I know we have gone down the daily insurance route for temp cover, but need a bit of help on the same subject.

My GF's Rover 25 is in for repair and for unseen reasons is going to take longer than expected.

So?

With the chance of a second car she is looking into tempory cover fo say a whole month.

So after any links or advice of prefered companies if possible.

Will have to be covered for business use as well.

TIA.  :y

ring your own insurance and explain....he difference may well not be much.

We did similar for holidays when we first started driving. often just a few quid for a months cover

I would recommend Phil that your GF's existing insurance company is approached first to extend cover on a temporary vehicle. 

I would think the existing car being in the garage for so long means that insurance for that is not required; the garages own insurance should cover it (??), and it could just cover the temp. car. ;) ;)

This is where it gets crazy.

She only has 1yr NCD and is 6 months through her current insurance year.

She has an 03 Rover 25 but the clutch went and then something else and should have been sorted in less than a week - but thats another story.

She has the chance to use/buy an X reg Rover 25, so we rand her insurance to change it over but they wont insure anything under the value of £500, so we then looked at something they suggested by adding it to the current policy but they never got back to us.

So last night we go on go-compare.

£446 iss the cheapest quote - Fully comp and business use etc.

Tried it 3rd party went to 486
Then put it down as Social use only it went to 487

All the above quotes were owning 2 cars etc.

So changed it to 1 car only and the price went up to 545



Explain how insurance works to me now (If you can)

Cover for up to 28 days on here:

http://www.daycover.com/

There are others, that's the first one I came across.

wrote on 30. Mar 2011 at 15:36:

Cover for up to 28 days on here: http://www.daycover.com/ There are others, that's the first one I came across.

THIS one is the cheapest i've ever used

Danny wrote on 30. Mar 2011 at 15:55:

wrote on 30. Mar 2011 at 15:36: Cover for up to 28 days on here: http://www.daycover.com/ There are others, that's the first one I came across. THIS one is the cheapest i've ever used

Wasnt as bad as expected, but still too exspensive.

£15.49        £250.00 excess for 1 day
£157.69      £250.00 excess for 28 days

My 3.0 Elite

£19.84      £500.00 excess 1day

£198.79    £500.00  excess 28days

Could cope with that if I was buying a car to get home.

Mr Skrunts wrote on 30. Mar 2011 at 16:06:

Danny wrote on 30. Mar 2011 at 15:55: wrote on 30. Mar 2011 at 15:36: Cover for up to 28 days on here: http://www.daycover.com/ There are others, that's the first one I came across. THIS one is the cheapest i've ever used Wasnt as bad as expected, but still too exspensive. £15.49        £250.00 excess for 1 day £157.69      £250.00 excess for 28 days

That's feckin outrageous!

wrote on 30. Mar 2011 at 16:21:

Mr Skrunts wrote on 30. Mar 2011 at 16:06: Danny wrote on 30. Mar 2011 at 15:55: wrote on 30. Mar 2011 at 15:36: Cover for up to 28 days on here: http://www.daycover.com/ There are others, that's the first one I came across. THIS one is the cheapest i've ever used Wasnt as bad as expected, but still too exspensive. £15.49        £250.00 excess for 1 day £157.69      £250.00 excess for 28 days That's feckin outrageous!

So is the £56 per month she pays for using her car for business use.

Update, the current insurance company have finaaly agreed to swap cars over, but the broker charged her a fee of £98 the robbing sods.

Mr Skrunts wrote on 30. Mar 2011 at 16:36:

Update, the current insurance company have finaaly agreed to swap cars over, but the broker charged her a fee of £98 the robbing sods.

Still....a result....of sorts.

wrote on 30. Mar 2011 at 16:40:

Mr Skrunts wrote on 30. Mar 2011 at 16:36: Update, the current insurance company have finaaly agreed to swap cars over, but the broker charged her a fee of £98 the robbing sods. Still....a result....of sorts.

I agree steve, She has no choice, and if the cretin that is sorting her clutch problem solves it tonight then he will be paying the insurance difference.  :-X

tbh, those daycover prices are better than i was getting when i tried to use them.

whenever i go and try a car out i just ring up my current company and they add the car for a day for £20 including admin fee.
Seems reasonable for a get me home solution should i buy it.
As for 1 months cover, could you not have just told them the car was worth more than £500??? lol

o-meg-a wrote on 30. Mar 2011 at 17:52:

tbh, those daycover prices are better than i was getting when i tried to use them. whenever i go and try a car out i just ring up my current company and they add the car for a day for £20 including admin fee. Seems reasonable for a get me home solution should i buy it. As for 1 months cover, could you not have just told them the car was worth more than £500??? lol

TBH we were not aware of a minimum value before the 1st call, and once the lady on the phone was aware of the value she said it would be awkward to change it.

Sweet talking person that I am got her to have a chat with her manager after I explained the car was a minter and the seller was strapped for cash and they originally wany £650 for the car.  ::) :-[

Any reason why you can't tax a car on a temp insurance?  :-/ So for example if I bought a car at auction with no tax, could I tax it on a days insurance cover note to get it home legally?

TiggerHayes wrote on 01. Apr 2011 at 10:36:

Any reason why you can't tax a car on a temp insurance?  :-/ So for example if I bought a car at auction with no tax, could I tax it on a days insurance cover note to get it home legally?

They make the rules so it seems it must be legal. :y

No mention of temporary cover here;

These are usually a printed or laser-printed document, or a plastic credit card style document.

Insurance certificates downloaded directly from the internet by the policy holder are acceptable from 30 April 2010 (this applies to GB only). Fax copies are also acceptable.

The following documents aren't acceptable:

•policy schedule
•renewal notice
•receipt for payment
•amended certificate or cover note - unless stamped or initialled by the insurer
•‘legal protection’ policy certificates
•foreign certificates
•photocopies
•Green Card (International Motor Insurance Card)
Lost, stolen or damaged insurance certificate

Get a duplicate insurance certificate or cover note from your insurance company.

Waiting for your insurance certificate to arrive in the post or update online

You can't tax your vehicle until your insurance certificate arrives or your insurance cover for your vehicle has been updated on the Motor Insurance Database. You must keep your vehicle off the road in the meantime.

If you are taxing your vehicle using the DVLA’s vehicle online service, then you’ll need to wait until MID has updated before applying. You can check online to see if your insurance has updated.

wrote on 01. Apr 2011 at 15:41:

No mention of temporary cover here; These are usually a printed or laser-printed document, or a plastic credit card style document. Insurance certificates downloaded directly from the internet by the policy holder are acceptable from 30 April 2010 (this applies to GB only). Fax copies are also acceptable. The following documents aren't acceptable: •policy schedule •renewal notice •receipt for payment •amended certificate or cover note - unless stamped or initialled by the insurer •‘legal protection’ policy certificates •foreign certificates •photocopies •Green Card (International Motor Insurance Card) Lost, stolen or damaged insurance certificate Get a duplicate insurance certificate or cover note from your insurance company. Waiting for your insurance certificate to arrive in the post or update online You can't tax your vehicle until your insurance certificate arrives or your insurance cover for your vehicle has been updated on the Motor Insurance Database. You must keep your vehicle off the road in the meantime. If you are taxing your vehicle using the DVLA’s vehicle online service, then you’ll need to wait until MID has updated before applying. You can check online to see if your insurance has updated.

Steve,you are a very knowledgeable man. :y