Picking up new car - Insurance question

Discussion in 'Motoring' started by delanoster, Sep 27, 2017.

  1. delanoster

    delanoster
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    My partner is due to pick her new car up on Friday evening; she was due to trade in, but this may have changed.
    The original plan was for her to drive to the dealer in the old car after I'd met her at work - I'd use public transport to meet her. In this instance her insurance would be set to change that day - no worries.

    Now that she may be selling privately she wants me to drive her old car back home whilst she drives her new one - I'm a named driver on her policy, but I think that only the new car OR the old car will be covered, not both, and as such I'd be uninsured. Is this correct?

    My own policy covers me to drive other cars (third party only) but I have a feeling the other car must have its own policy too? Is that correct?

    Unfortunately the easiest option of me dropping her at work and picking her up won't work as she works in York and I work in Bradford.

    Any help gratefully received!
     
  2. its_all_Greek

    its_all_Greek
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    A lot of dealers will offer 5 day complementary insurance so may be worth checking with the dealer if that is case with them.

    As far as i was aware as long as your insurance covers you 3rd party and the car is road legal thats all that is required but don't take that as gospel.
     
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  3. PSM1

    PSM1
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    I am pretty sure it has to have its own insurance as the OP states.
     
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  4. Desmo

    Desmo
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    Agree.... other car has to have its own policy to be insured under your own “drive any other car”.
     
  5. un1eash

    un1eash
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    As before the car must have insurance for you to use your third party cover. Best option is to either trade or make use of free drive away insurance.
     
  6. delanoster

    delanoster
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    Thanks everyone. I hadn't thought about the dealer provided insurance.
     
  7. GaryB19722010

    GaryB19722010
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    Check with the dealer as BMW no longer offer the complimentary 7 day insurance they once did
     
  8. mjn

    mjn
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    When they did offer it, you also had to have fewer than 6 points on your licence to be eligible.
     
  9. Greg Hook

    Greg Hook
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    Best option is to phone the insurance company and ask them. People get new cars all the time so this issue will not be a strange one to them and they will offer a solution. Chances are you will find that both cars are still covered at the same time.
     
  10. PSM1

    PSM1
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    You can buy short term insurance quite cheap. It is what I did when I bought my van. Did it online using phone just after I bought the van. Insurance was immediately valid.
     
  11. Astaroth

    Astaroth
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    I know when I was doing the same both cars were on cover for the day of the switchover and so there was an overlap rather than clean break.

    Its not a topic I remember having come up in the past from a work situation but I cannot remember people asking what time you want the switch to happen - could cause problems if they did if you said 1pm but then get stuck in a 2hr queue to get to the dealership - and therefore I suspect the both cars covered for that day is a common approach but obviously double check with your own insurers first.
     
  12. nvingo

    nvingo
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    If the inxurance on the old car ends, make sure you keep it off-road on private property until the buyer takes it away on their insurance or suitable transport.
     
  13. Astaroth

    Astaroth
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    Needs to actually be SORNed and off the road otherwise you'll get no insurance fines coming through the door. You'll also not be able to allow test drives unless the person buys their own temp cover insurance but then you'll be breaching your SORN and will have no road tax
     
  14. delanoster

    delanoster
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    Thanks again everyone.
    It looks like there won't be any insurance overlap problems now - just a short walk for us instead!
     
  15. nvingo

    nvingo
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    Are you certain that is the case?
    Obviously if you do "untax" it that applies.
     
  16. Astaroth

    Astaroth
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    Yes, came in a few years ago under the continuous insurance enforcement, if the vehicle doesnt have insurance it must be SORNed

    Continuous Insurance Enforcement at MIB
     

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