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Help with insurance! Is there a way around this?



The Boosh!

ClioSport Admin
  Elise, Duster
Hello!

I need to get insured on another car for a week, so I thought it would be a simple case of my mate adding me to his policy. Easy!

The complication is this - They won't allow any named drivers under 21 (I will be 2 months away from 21 so how this will effect my driving I'll never know?) and so the head ache begins.

How can I get round this? I have racked my brain and I can't see how I can do it. I'm sure I cant get insured through my own insurance on it, due to the car (his) already having a policy on it.

AFAIK there is no way of me being able to get insured for the week - Or is there?

Any help much appreciated :)

Luke.
 
  Clio 182 arctic
are you fully comp, if you are check on your policy if you are allowed to drive other cars 3rd party only, probably not but you may get lucky
 

The Boosh!

ClioSport Admin
  Elise, Duster
No, not allowed to drive other cars third party - And it needs to be FC cover as were going abroad lol
 
  Clio 182 arctic
or take out a new policy on it, you have the right to cancel within 14days, and you wont even have to pay cancellation fee before 14days. if yo pay the insurance for a month you will get reinbursed 3weeks if yo cancel after 1week.
 

The Boosh!

ClioSport Admin
  Elise, Duster
Can he freeze his policy on the car for 1 week - I transfer my insurance over to his car (IE me being the main driver) and then get him to be named on it?

Only problem i see with that is the car is in his name on the V5 and i don't think you are allowed to do that.

I hate insurance
 
  ibiza cupra
or take out a new policy on it, you have the right to cancel within 14days, and you wont even have to pay cancellation fee before 14days. if yo pay the insurance for a month you will get reinbursed 3weeks if yo cancel after 1week.
this is probly your best bet, just make sure that there is no cancelation fee within th first 14 days before you take the policy out.
 

The Boosh!

ClioSport Admin
  Elise, Duster
Does it matter that he is already insured on the car though? As IIRC you can't have 2 insurance policy's on 1 car - meaning he would have to cancel/freeze his for me to do that, yes?
 
  ibiza cupra
i had a similar sort of problem just before i turned 25. my policy ran out 2 weeks before my birthday and the difference in price was £300 for before and after i turned 25 so i got my missis to put me on her insurance for 2 weeks but on my car. and it only cost £40 to do it and was all legit as we asked just to make sure that there was nothing dodgy that could happen. she was with direct line so im not sure any other insurance companies would do it.
 
  Clio 182 arctic
Does it matter that he is already insured on the car though? As IIRC you can't have 2 insurance policy's on 1 car - meaning he would have to cancel/freeze his for me to do that, yes?
i think if its only for a week it wont matter, you may have just bought the car and he hasnt had time to cancel his yet ;)
 
  Clio 182 arctic
i had a similar sort of problem just before i turned 25. my policy ran out 2 weeks before my birthday and the difference in price was £300 for before and after i turned 25 so i got my missis to put me on her insurance for 2 weeks but on my car. and it only cost £40 to do it and was all legit as we asked just to make sure that there was nothing dodgy that could happen. she was with direct line so im not sure any other insurance companies would do it.
something similar just last week, i turned 21 on the 22nd march so i decided to get online quotes, prices dropped by like £400 with the same company im with, so gave them a call they said i will have to take out a new policy and just cancel the old one, all i lose i 1month as my last policy started in feb. win win 4 me :)
 

The Boosh!

ClioSport Admin
  Elise, Duster
Make your mate do all the driving
No I want to do some. Its a europe road trip where we are visiting all the 'best' roads in europe. I'm only not taking my car because its cheaper to share his. Saving £300 in fuel + accomodation costs etc etc
 

ForceIndia

ClioSport Club Member
  Gentlemans spec 200
Very iffy having double insurance, iirc in an accident you can only claim 50%. What car does he have?
 

The Boosh!

ClioSport Admin
  Elise, Duster
Track prepped Ph1 172! Yeh I knew it was shady having double insurance, which is why I was thinking if he froze his for the week, I could insure it myself and have him as a named driver.
 

ForceIndia

ClioSport Club Member
  Gentlemans spec 200
Take yours tbh. I would't fancy a euro road trip in a stripped car, would get on my nerves.
 
  Qashcow
ah, i see your problem now luke. i cant think of any way around it other than temporary insurance through his. as your so close to 21, cant you speak very nicely to a manager within the insurance company and see if maybe a small bribe/premium could get you covered.

if all else fails, just take 2 cars :D

still not sure if me an jez are going in one or two cars either
 

Marc.

ClioSport Club Member
Swinton do temporary insurance - I used them in February - cost me £95 for 2 weeks. I'm not sure if they have an over-21 requirement or not - my sister's used them for temporary insurance a while ago, she may have been under 21 at the time. Worth checking though.
 


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