Need car insurance on a 182 for 2 days

[chale989]

Long story short, i need 1 or 2 days cover on a clio 182.

Anyone reccomend a company as all the ones ive tried say im too young to be temporary insured on that type of car (19)

This is the usual message :

• Some of the details provided have resulted in our underwriters being unable to provide the cover.

 

[DrR]

Take out insurance, then use your 14 days right to cancel.

 

[chale989]

I already have insurance on my 172 so that could get complicated

 

[DrR]

why?

 

[Gouldy]

Temp cover.

 

[chale989]

Why what?

I own a 172 but i need to drive a 182 for 1 day as the garage i got my car from has to fix something on it and they can offer me a 182 to drive for 1-2 days depending on how long it will take.

And no they wont cover me from the garage

 

[chale989]

Temp cover.

they wont.
some reason most companies wont even look at under 21's

 

[JD]

they wont.
some reason most companies wont even look at under 21's

Because they see you as a risk? Surely paying £8k for your own insurance would make that very apparent...

If you expanded on why you need to drive the 182, it would probably help. Is it a friend's car, or family etc? If so, the simple method would be for them to put you on the policy as a named driver and you pay the required increase in costs.

 

[chale989]

Because they see you as a risk? Surely paying £4k for your own insurance would make that very apparent...

If you expanded on why you need to drive the 182, it would probably help. Is it a friend's car, or family etc? If so, the simple method would be for them to put you on the policy as a named driver and you pay the required increase in costs.

Look up

 

[Sir_Dave]

Insure the 182 instead of the 172 for a couple of days - garage ins should cover your 172 whilst its being fixed.

 

[Laura]

cant you add it as a temp car to your existing policy, i have my 182 on there atm ontop of my z4

 

[chale989]

Insure the 182 instead of the 172 for a couple of days - garage ins should cover your 172 whilst its being fixed.

My insurance want £100 admin fee to swap to the 182 and then £100 again when i want to swap back over to the 172 and apparently my current price im paying will almost definitely go up the bird from kwitfit said.

And not driving isnt a option

 

[SC03OTT]

£200? Thats pennies, surely?

 

[Knuckles]

brentacre do temp cover. not sure if that helps... alternatively, cover up the exhausts and if you get pulled say you thought it was a 172

 

[Sir_Dave]

Just hire a car from Enterprise, a Kak is about 20 quid a day iirc.

 

[chale989]

Just hire a car from Enterprise, a Kak is about 20 quid a day iirc.

Most hire companys wont allow under 21's though will they

 

[chale989]

brentacre do temp cover. not sure if that helps... alternatively, cover up the exhausts and if you get pulled say you thought it was a 172

Lmao!

 

[tonksy26]

Get the bus (and aids). Alot cheaper!

 

[Knuckles]

what do you do to afford 4k plus the price of a 172 (car price, tax, petrols etc)? if you dont mind me asking

give brentacre a ring?

 

[Sir_Dave]

Most hire companys wont allow under 21's though will they

No idea, thats your job to investigate.

Depends on the number of miles you need to do, it might be easier/cheaper just getting a taxi to school/work etc.

 

[chale989]

what do you do to afford 4k plus the price of a 172 (car price, tax, petrols etc)? if you dont mind me asking

give brentacre a ring?

It's been covered too many times to answer that and yeah i'm just about to get on their website

 

[Knuckles]

right, ill have a search around for it.

 

[JD]

Looks like you're stuck then mate. Get lifts, use public transport, you know, the usual intelligent solutions.

 

[.Simon]

You can have two insurance policies though - just not on the same car?!

 

[_Tom]

Unde r21 it'll prob be only your insurer that will cover you. £200.00 isnt much imo.

 

[.Simon]

Why isn't public transport an option?

 

[Ex-User (19928)]

Just swap the plates and don't crash.

 

[Knuckles]

Just swap the plates and don't crash.

lol even if he crashes, would they tell the difference?

 

[chale989]

Just swap the plates and don't crash.

But the car is at the dealership and i pressume the dealship will drive it to the garage to be fixed using their motor trader insurance

 

[JD]

Why won't the garage cover you?

 

[tom-i]

^^ This. If it's a courtesy car then surely the car is already insured with them for this.

 

[chale989]

Its another car that is for sale at the dealership/garage that he has offerd me to drive

 

[Jeff456]

There are ways to hire a car under 21, as part of my job I have to attend traning schemes for which given the distance and time of day they begin public transport is not an option, one of my colleagues at another Branch is 18 and they hired a car for him, so it must technically be possible. Ring up and ask.

 

[2Damnsly Andy]

Its another car that is for sale at the dealership/garage that he has offerd me to drive

If they can't insure you through their policy because of your age then ask to borrow another car that they can insure you on.

 

[chale989]

There are ways to hire a car under 21, as part of my job I have to attend traning schemes for which given the distance and time of day they begin public transport is not an option, one of my colleagues at another Branch is 18 and they hired a car for him, so it must technically be possible. Ring up and ask.

where did he hire it from? because entire prise wont touch you until your 23. most wont until your 25

 

[Jeff456]

where did he hire it from? because entire prise wont touch you until your 23. most wont until your 25

I don't know I just remember thinking I wish I had been offered the chance of driving a hire car rather than having to use the 182 to get up there. Like I said though, he is 18 and I was surprised but clearly it is possible, and it can't have been extortinate as there were only two of them in the car, so I imagine it was cheaper than two London to Birmingham train tickets..

 

[James.f]

Unde r21 it'll prob be only your insurer that will cover you. £200.00 isnt much imo.

£200 isnt much? you must be loaded then,

£200 for a 2-3 day cover is ridicolous, i payed to get cover for 4days recently and that was £44 with insure4aday, easy company to use,

 

[z8jay]

If its gonna cost you £200, you might aswell get a taxi to wherever you need to go

 

[_Tom]

£200 isnt much? you must be loaded then,

£200 for a 2-3 day cover is ridicolous, i payed to get cover for 4days recently and that was £44 with insure4aday, easy company to use,

Well not in my eyes. He's under 21. Hiring a car anywhere for two days will cost him that.

 

[Matt W]

I'm 22 and I can't get day insurance on a 1.3 fiesta. Obviously it is much more dangerous than my 328.