FabSwingers.com forum: Best time to get car insurance?

By (user no longer on site) OP
over a year ago

I am looking to buy a car. The problem is insurance is compulsory immediately you purchase it, however the quotes these companies demand are crazy.

I am wondering, when is the best time to get car insurance and also how do you drive your car away after buying it, since car insurance is compulsory?

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By (user no longer on site)
over a year ago

Before you drive your car is the only answer.

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By (user no longer on site)
over a year ago

Most places where you buy the car from will give you a few days "free" insurance so you can drive away.

But it's crap cover so you are best to get your own arranged and have it start on the day you know you're collecting your car.

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By *lik and PaulCouple
over a year ago

cahoots

You need to know the details of the car you're buying to get the insurance so if you get that in advance you can shop around.

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By *offiaCoolWoman
over a year ago

Kidsgrove

I watched Morning live when the advice given was get quotes around 6 weeks before renewal, but you are not renewing so I don't know.

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By *icecouple561Couple
Forum Mod
over a year ago

East Sussex

[Removed by poster at 02/11/23 20:18:56]

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By (user no longer on site) OP
over a year ago

[Removed by poster at 02/11/23 20:23:49]

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By *icecouple561Couple
Forum Mod
over a year ago

East Sussex

Agree to buy the car, insuree it on line or by phone, drive it away.

The price will be the same whenever you buy it but it's a good idea to get several quotes.

Don't be tempted to drive uninsured or without a full licence.

Another way round this is to get a friend with fully comprehensive insurance that allows the

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By *.T.Man
over a year ago

Belfast

Get temporary cover for a few days, there are companies that will cover you for anything between a few hours and a month.

This will give you time to shop around for a permanent policy

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By (user no longer on site) OP
over a year ago

Yeah, this is helpful. I just figured some companies offer a temporary insurance for a few hours. I think I will just get this and to be able to drive it home, then I will take out a policy that starts at a future date, and not drive for a couple of weeks, until the more affordable policy starts.

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By *icecouple561Couple
Forum Mod
over a year ago

East Sussex

"Yeah, this is helpful. I just figured some companies offer a temporary insurance for a few hours. I think I will just get this and to be able to drive it home, then I will take out a policy that starts at a future date, and not drive for a couple of weeks, until the more affordable policy starts. "

Pass your test first, then worry about this.

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By (user no longer on site) OP
over a year ago

Thank you!. this is really just the best. I think the fact that insurance is compulsory here opens up drivers to harsh prices to be honest.

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By (user no longer on site) OP
over a year ago

Thank you,

I am most likely buying from a private reseller, so they likely won't have a 'free' plan. I have tried getting 'future' quotes from compare the market and confused and the prices keep changing from day to day. and I am wondering if there's a trick to it. I would gladly call these companies to enquire, but I doubt they will tell me the best time to get a more affordable policy for a first timer.

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By *offiaCoolWoman
over a year ago

Kidsgrove

"Agree to buy the car, insuree it on line or by phone, drive it away.

The price will be the same whenever you buy it but it's a good idea to get several quotes.

Don't be tempted to drive uninsured or without a full licence.

Another way round this is to get a friend with fully comprehensive insurance that allows the"

That allows the .........

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By *icecouple561Couple
Forum Mod
over a year ago

East Sussex

"Thank you!. this is really just the best. I think the fact that insurance is compulsory here opens up drivers to harsh prices to be honest."

Insurance protects you and anyone you might be unfortunate enough to be involved in an accident with. It is expensive especially if you've only just passed your test.

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By *ose-tinted GlassesMan
over a year ago

Glasgow / London

Get your insurance quotes the day before you go to view the car. Decide which one you want to go with.

View the car, and if you decide to buy it then you go online (or phone the insurers) right there and then before driving it away. Tell them you want your cover to start immediately.

Job done.

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By *ose-tinted GlassesMan
over a year ago

Glasgow / London

"Get your insurance quotes the day before you go to view the car. Decide which one you want to go with.

View the car, and if you decide to buy it then you go online (or phone the insurers) right there and then before driving it away. Tell them you want your cover to start immediately.

Job done."

Remember you have to tax the car before driving it as well.

Again, do it online there and then *before* driving it away.

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By *heVonMatterhornsCouple
over a year ago

Lincoln

As far in advance as you can will make the comparison rates a bit cheaper. Then it's usually worth checking with the company's you want, through calling or web chat, what their best rate is and quote any cheaper you've found. They'll usually be able to give you a better price.

LvM

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By *ubsteffTV/TS
over a year ago

Portsmouth

I bought a car recently and used an app called cuvva which provided me with 3 hours cover for £12, which was enough time for me to get home to then sort out the insurance properly.

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By (user no longer on site)
over a year ago

If you are a first time driver you will find all car insurance quotes to be very high. A new driver with no experience on the road is classed as a higher risk for the insurance companies, hence why the premiums are very high to begin with.

All you can do is hunt around but you may not find the quotes drop dramatically.

Even people who have been driving for 20 plus years, some renewal quotes are coming in higher than previous years even without any claims against them now.

The type of car you want as well can also send your premium sky high.

Something basic will be cheaper compared to a more sporty version for a first time driver.

So research really on the car type and insurance is vital.

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By *icecouple561Couple
Forum Mod
over a year ago

East Sussex

"Agree to buy the car, insuree it on line or by phone, drive it away.

The price will be the same whenever you buy it but it's a good idea to get several quotes.

Don't be tempted to drive uninsured or without a full licence.

Another way round this is to get a friend with fully comprehensive insurance that allows the

That allows the ........."

Darn it I copied my original text and didn't mean to include that because I realised it was incorrect.

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By (user no longer on site) OP
over a year ago

THANK YOU!

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By (user no longer on site)
over a year ago

"Get your insurance quotes the day before you go to view the car. Decide which one you want to go with.

View the car, and if you decide to buy it then you go online (or phone the insurers) right there and then before driving it away. Tell them you want your cover to start immediately.

Job done."
excellent advice, but not many will take

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By *offiaCoolWoman
over a year ago

Kidsgrove

"Agree to buy the car, insuree it on line or by phone, drive it away.

The price will be the same whenever you buy it but it's a good idea to get several quotes.

Don't be tempted to drive uninsured or without a full licence.

Another way round this is to get a friend with fully comprehensive insurance that allows the

That allows the .........

Darn it I copied my original text and didn't mean to include that because I realised it was incorrect."

And you deleted one attempt

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By *icecouple561Couple
Forum Mod
over a year ago

East Sussex

"Agree to buy the car, insuree it on line or by phone, drive it away.

The price will be the same whenever you buy it but it's a good idea to get several quotes.

Don't be tempted to drive uninsured or without a full licence.

Another way round this is to get a friend with fully comprehensive insurance that allows the

That allows the .........

Darn it I copied my original text and didn't mean to include that because I realised it was incorrect.

And you deleted one attempt

Yep!

I shouldn't be allowed to post when I'm watching professional master chef

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By (user no longer on site) OP
over a year ago

Yeah, thanks. I am getting a basic car, it's just for a little running around. Public transportation in the North East has been horrible with incessant strikes.

I really can't afford anything out of the basics, both for car and insurance, that's why I have converted fabswingers into my special place to get answers to regular questions. I don't know, I get really helpful answers here. Maybe horny people are generally very helpful

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By (user no longer on site)
over a year ago

I run a car. For my cover and mods for an Audi S3 8P i'am now £500+

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By *icecouple561Couple
Forum Mod
over a year ago

East Sussex

"Yeah, thanks. I am getting a basic car, it's just for a little running around. Public transportation in the North East has been horrible with incessant strikes.

As long as you ignore my bit about fully comp

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By (user no longer on site) OP
over a year ago

Is that for a month?

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By (user no longer on site)
over a year ago

This is a really bad idea as you need constant cover on the car unless you keep it off road and get it SORN.

Just get a quote the day before, there is no good or bad time when it comes to the price

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By *icecouple561Couple
Forum Mod
over a year ago

East Sussex

"Is that for a month?

If you use the 'quote' button we can see who you're replying to

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By (user no longer on site) OP
over a year ago

"Is that for a month?

If you use the 'quote' button we can see who you're replying to

Thank you. LMAO. I suck at this. See me, behaving like a Septuagenarian.

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By *icecouple561Couple
Forum Mod
over a year ago

East Sussex

"Is that for a month?

If you use the 'quote' button we can see who you're replying to

Thank you. LMAO. I suck at this. See me, behaving like a Septuagenarian.

you don't suck, we all had to start somewhere.

Btw I'm nearly a septuagenarian

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By (user no longer on site) OP
over a year ago

"Is that for a month?

If you use the 'quote' button we can see who you're replying to

Thank you. LMAO. I suck at this. See me, behaving like a Septuagenarian.

you don't suck, we all had to start somewhere.

Btw I'm nearly a septuagenarian

Yep,just noticed. And you've really got a banging body. I really would!

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By *aptain Caveman41Man
over a year ago

Home

Before it's out of date

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By (user no longer on site)
over a year ago

I always seem to get the best price a month before the old policy expires.

If it’s just to bring a vehicle home 1 day insurance from cuvva or similar is handy.

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By *elvet RopeMan
over a year ago

by the big field

Have a look at the Martin Lewis money saving expert site, they have a method you follow that tracks your applications on the comparison sites in a specific order, then prompts you to try minor changes that may help. Think i got my quote down by about 12%

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By (user no longer on site)
over a year ago

Marmalade is a great company for new drivers. You have to have a black box fitted but it’s much more reasonable that other companies

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By (user no longer on site)
over a year ago

"Get temporary cover for a few days, there are companies that will cover you for anything between a few hours and a month.

This will give you time to shop around for a permanent policy"

This.

Get a quote with the 'temporary' policy company for 1 week, and a quote from a 'permanent'/ annual company policy for in 1 week- when the temporary policy ends. (So no gap in cover).

Then get quotes again as above but temp for 2 weeks and the main policy starting in 2 weeks.

Try different combinations (3 wks, 4 wks etc):and add up the 2 policy prices and compare which is the cheapest combination.

Doing it that way can be cheaper than starting one annual policy today.

Hope that makes sense.

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By *ocketrocket80Man
over a year ago

Walsall

Temp insurance may be best then.

Some companies often give you it as a sales benefit so check just incase.

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By *ophieslutTV/TS
over a year ago

Central

I think I read somewhere that it may be better if it's not almost at the time when it's due to startm

Obviously following guidelines for getting quotes from money'lsavingexpert is valuable too.

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By *cottish guy 555Man
over a year ago

London

Direct line. Not the cheapest but definitely the best insurer I've ever dealt with. Been with them years.

Go online, get a quote, then pop onto the website as you buy the car and activate it.

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By *ucka39Man
over a year ago

Newcastle

"Get temporary cover for a few days, there are companies that will cover you for anything between a few hours and a month.

This will give you time to shop around for a permanent policy"

This

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By *orny-DJMan
over a year ago

Leigh-on-Sea

You will also need to tax the vehicle before you drive away too - for which you will need insurance in place - as road tax has not been transferable for years.

If you are caught without tax or insurance, the Police will seize your vehicle

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By *icecouple561Couple
Forum Mod
over a year ago

East Sussex

I suggest you get your licence first, then get the car.

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By *TG3Man
over a year ago

Dorchester

"I am looking to buy a car. The problem is insurance is compulsory immediately you purchase it, however the quotes these companies demand are crazy.

I am wondering, when is the best time to get car insurance and also how do you drive your car away after buying it, since car insurance is compulsory?"
Its a minefield but you have no choice but to buy the car have it delivered then buy the insurance before you drive it

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By *ucka39Man
over a year ago

Newcastle

Op.

Wouldn't you be test driving it first before purchasing

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