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car insurance

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

i have my car insured - daughter has hers - im buying her car off her and was going to do all the picking up of hers - getting rid of mine - transferring insurance etc on tuesday - she now tells me her insurance runs out tomorrow - ok fine so will get her car to mine tomorrow but i have to have the car insured even if its on my drive ??? - so will insurance do an overlap so i have 2 cars for 3 days - and has anybody done this and is it going to cost me daft money - asking because its going to play on my mind until i can ring up tomorrow and find out

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

If a car is on your drive and not being driven anywhere, in theory you wouldn't need insurance.... that said if it was stolen or some how someone did crash into it, you'd not be able to claim.

Talk to your insurance company, they very well might insure you in both cars at just administration fees.

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

i thought it was ok on a driveway but daughter says not so - will ring them in the morning - just hope its not daft cash involved

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

Any car that is not SORN legally has to have insurance, the difference is your very likely to get police knocking at your door if it's in your drive.

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

thanks - so cross that she told me this tonight - i could have sorted it all out earlier - got rid of my car today etc -- kids eh

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By *icketysplitsWoman
over a year ago

Way over Yonder, that's where I'm bound

Get her to see if she can get an extension for a week. That might be easier and more straightforward. You can have as many policies as there are cars.

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


"Any car that is not SORN legally has to have insurance, the difference is your very likely to get police knocking at your door if it's in your drive. "
since when.. as i used to have any number of cars on my drive that I was rebuilding or ripping bits out of. Only had to insure those I was using..... but aware rules change.

Although i dont think one day will make a difference..

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By *icketysplitsWoman
over a year ago

Way over Yonder, that's where I'm bound


"Any car that is not SORN legally has to have insurance, the difference is your very likely to get police knocking at your door if it's in your drive. since when.. as i used to have any number of cars on my drive that I was rebuilding or ripping bits out of. Only had to insure those I was using..... but aware rules change.

Although i dont think one day will make a difference.."

It has to be declared as SORN to be out of insurance now. There's a fixed penalty fine of £100 now otherwise. As the system is now fully automated the issue will be who gets fined as the paperwork on change of ownership will not go through as quickly.

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


"Any car that is not SORN legally has to have insurance, the difference is your very likely to get police knocking at your door if it's in your drive. since when.. as i used to have any number of cars on my drive that I was rebuilding or ripping bits out of. Only had to insure those I was using..... but aware rules change.

Although i dont think one day will make a difference.."

Were the cars you were working in SORN? If so you don't have to have insurance, if they haven't been declared off road then you should have tax, insurance (guessing MOT but not insurance).

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

just been having a google and it seems a bit of a minefield - my car is going to be sold for about 150- 200 quid - im buying hers for 300 - only runarounds but she doesnt need hers now and its better than mine - less mileage etc - so just was going to buy it off her - get rid of mine and i thought that would be it - coul have done all this last week as she using her bf car now so im fuming - daft if i end up paying extra insurance at like 30 quid a day (just did a quick online quote thingy) have to see what they say tomorrow

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By *icolerobbieCouple
over a year ago

walsall


"just been having a google and it seems a bit of a minefield - my car is going to be sold for about 150- 200 quid - im buying hers for 300 - only runarounds but she doesnt need hers now and its better than mine - less mileage etc - so just was going to buy it off her - get rid of mine and i thought that would be it - coul have done all this last week as she using her bf car now so im fuming - daft if i end up paying extra insurance at like 30 quid a day (just did a quick online quote thingy) have to see what they say tomorrow "

Put her car on your drive and declare it sorn. Insure it at your leisure then.

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

You will also have to tax the car again since your te new owner tax doesn't transfer anymore

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


"just been having a google and it seems a bit of a minefield - my car is going to be sold for about 150- 200 quid - im buying hers for 300 - only runarounds but she doesnt need hers now and its better than mine - less mileage etc - so just was going to buy it off her - get rid of mine and i thought that would be it - coul have done all this last week as she using her bf car now so im fuming - daft if i end up paying extra insurance at like 30 quid a day (just did a quick online quote thingy) have to see what they say tomorrow

Put her car on your drive and declare it sorn. Insure it at your leisure then."

can you do that for 2 or 3 days ?- i have an appt to get rid of mine tuesday morning - then driving the new one later that day

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


"You will also have to tax the car again since your te new owner tax doesn't transfer anymore "

yup but i will get the unused tax back on my old one ??? i think

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


"just been having a google and it seems a bit of a minefield - my car is going to be sold for about 150- 200 quid - im buying hers for 300 - only runarounds but she doesnt need hers now and its better than mine - less mileage etc - so just was going to buy it off her - get rid of mine and i thought that would be it - coul have done all this last week as she using her bf car now so im fuming - daft if i end up paying extra insurance at like 30 quid a day (just did a quick online quote thingy) have to see what they say tomorrow

Put her car on your drive and declare it sorn. Insure it at your leisure then."

I am a Broker...if your daughter hasn't cancelled her policy yet, get her to add you as a named driver to the policy until you are ready to take ownership. Alternatively you will have to call your insurers add a second car on transfer the NCB from your car to the new one and just reduce your cover on the existing one to lowest possible. X x Message me If you want for more info.

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


"just been having a google and it seems a bit of a minefield - my car is going to be sold for about 150- 200 quid - im buying hers for 300 - only runarounds but she doesnt need hers now and its better than mine - less mileage etc - so just was going to buy it off her - get rid of mine and i thought that would be it - coul have done all this last week as she using her bf car now so im fuming - daft if i end up paying extra insurance at like 30 quid a day (just did a quick online quote thingy) have to see what they say tomorrow

Put her car on your drive and declare it sorn. Insure it at your leisure then.

I am a Broker...if your daughter hasn't cancelled her policy yet, get her to add you as a named driver to the policy until you are ready to take ownership. Alternatively you will have to call your insurers add a second car on transfer the NCB from your car to the new one and just reduce your cover on the existing one to lowest possible. X x Message me If you want for more info. "

her insurance runs out tomorrow - this fact she told me this evening - shes not driven her car most of last week as she is now sharing her bfs car - ive had a couple of days off and could have sorted this out - so cross with her

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


"just been having a google and it seems a bit of a minefield - my car is going to be sold for about 150- 200 quid - im buying hers for 300 - only runarounds but she doesnt need hers now and its better than mine - less mileage etc - so just was going to buy it off her - get rid of mine and i thought that would be it - coul have done all this last week as she using her bf car now so im fuming - daft if i end up paying extra insurance at like 30 quid a day (just did a quick online quote thingy) have to see what they say tomorrow

Put her car on your drive and declare it sorn. Insure it at your leisure then.

I am a Broker...if your daughter hasn't cancelled her policy yet, get her to add you as a named driver to the policy until you are ready to take ownership. Alternatively you will have to call your insurers add a second car on transfer the NCB from your car to the new one and just reduce your cover on the existing one to lowest possible. X x Message me If you want for more info. "

thank you - i will if i get no joy tomorrow

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


"just been having a google and it seems a bit of a minefield - my car is going to be sold for about 150- 200 quid - im buying hers for 300 - only runarounds but she doesnt need hers now and its better than mine - less mileage etc - so just was going to buy it off her - get rid of mine and i thought that would be it - coul have done all this last week as she using her bf car now so im fuming - daft if i end up paying extra insurance at like 30 quid a day (just did a quick online quote thingy) have to see what they say tomorrow

Put her car on your drive and declare it sorn. Insure it at your leisure then.

I am a Broker...if your daughter hasn't cancelled her policy yet, get her to add you as a named driver to the policy until you are ready to take ownership. Alternatively you will have to call your insurers add a second car on transfer the NCB from your car to the new one and just reduce your cover on the existing one to lowest possible. X x Message me If you want for more info.

her insurance runs out tomorrow - this fact she told me this evening - shes not driven her car most of last week as she is now sharing her bfs car - ive had a couple of days off and could have sorted this out - so cross with her "

So go with option 2 add the car to your policy temporary cover.

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By *icolerobbieCouple
over a year ago

walsall


"just been having a google and it seems a bit of a minefield - my car is going to be sold for about 150- 200 quid - im buying hers for 300 - only runarounds but she doesnt need hers now and its better than mine - less mileage etc - so just was going to buy it off her - get rid of mine and i thought that would be it - coul have done all this last week as she using her bf car now so im fuming - daft if i end up paying extra insurance at like 30 quid a day (just did a quick online quote thingy) have to see what they say tomorrow

Put her car on your drive and declare it sorn. Insure it at your leisure then.

can you do that for 2 or 3 days ?- i have an appt to get rid of mine tuesday morning - then driving the new one later that day "

Yes you can, when you insure & tax it you can then drive it.

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

heads full now - thanks for the help - get it sorted first thing tomorrow x

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

sorted and not too painful - transferred the insurance from mine to hers and then temp cover for mine for 2 days - cost over 30 quid admin fees to transfer the policy over and under 25 for the 2 days - could have been worse

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

Std admin fee so not too bad glad your sorted

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By *at69driveMan
over a year ago

Hertford


"just been having a google and it seems a bit of a minefield - my car is going to be sold for about 150- 200 quid - im buying hers for 300 - only runarounds but she doesnt need hers now and its better than mine - less mileage etc - so just was going to buy it off her - get rid of mine and i thought that would be it - coul have done all this last week as she using her bf car now so im fuming - daft if i end up paying extra insurance at like 30 quid a day (just did a quick online quote thingy) have to see what they say tomorrow

Put her car on your drive and declare it sorn. Insure it at your leisure then."
Yes but you then lose at least a months road tax .

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


"just been having a google and it seems a bit of a minefield - my car is going to be sold for about 150- 200 quid - im buying hers for 300 - only runarounds but she doesnt need hers now and its better than mine - less mileage etc - so just was going to buy it off her - get rid of mine and i thought that would be it - coul have done all this last week as she using her bf car now so im fuming - daft if i end up paying extra insurance at like 30 quid a day (just did a quick online quote thingy) have to see what they say tomorrow

Put her car on your drive and declare it sorn. Insure it at your leisure then. Yes but you then lose at least a months road tax ."

the overlap was 2 days - im getting rid of mine tuesday - its done now

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


"i thought it was ok on a driveway but daughter says not so - will ring them in the morning - just hope its not daft cash involved "
the car is fine on a drive with no insurance but it does have to be taxed the dvla can clamp your car even if its on a drive without being sorn.

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By *enard ArgenteMan
over a year ago

London and France


"Any car that is not SORN legally has to have insurance, the difference is your very likely to get police knocking at your door if it's in your drive. since when.. as i used to have any number of cars on my drive that I was rebuilding or ripping bits out of. Only had to insure those I was using..... but aware rules change.

Although i dont think one day will make a difference.."

Since the continuous insurance legislation was brought in; whereby a vehicle must be insured at all times, whether it's being used or not.

The exception is SORN; where a vehicle need not be insured ( though of course, if it is then stolen, you won't be covered.

Also, even a SORN vehicle must be insured if it is kept on public land.

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By *elloIntrigueMan
over a year ago

North West UK

Good its sorted OP. Interesting to read though as I am considering changing my car, but its been that long since I did it all, so this has guided me too

Thanks all.

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

Off the road is fine as you cannot effect any 3rd party but if you're were damaged maliciously or stolen during those few days you're fooked

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

what is annoying is that i have to retax the new car - and claim back what i havent used on the old one - transferring it over was so much easier - hey ho

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By *elloIntrigueMan
over a year ago

North West UK


"what is annoying is that i have to retax the new car - and claim back what i havent used on the old one - transferring it over was so much easier - hey ho "

There is always something to slow a process down!

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


"Std admin fee so not too bad glad your sorted "

What?..you mean there is paperwork for Herpes?...

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


"Std admin fee so not too bad glad your sorted

What?..you mean there is paperwork for Herpes?... "

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