Temporary insurance/other options for under 21?

[jesus]

I'm going to look at, and probably buying a 172 tomorrow. I'm using this for 7 days http://hpicheck.com/what_else.html with the driveaway insurance, but can't take out a policy (without it costing an arm and a leg) until 26th June, my 21st birthday. I've looked at temporary cover but nowhere will look at under 21s! What else can I do for a month so I can drive it, if anything?

My current insurer can't add the 172 to my existing policy, and it'll cost £5kish to change it because of my age. When I'm 21 it goes down dramatically.

What are my options?

Cheers

 

[Rob]

Nothing I'm afraid as far as I'm aware that is.

 

[jesus]

Didn't think there would be, until I found the driveaway insurance! That's only a week though, so I'm hoping someone may know of something similar. Long shot but could pay off!

 

[Beef-Mc]

Could always take out insurance then cancel in the 14 day cooling off period.

 

[gaz_5103]

if your own insurer gives you third party extension you could get someone else to insure the car and you drive it using 3rd party extension?

 

[Feirny]

You have a heroes birthday.

 

[jesus]

Could always take out insurance then cancel in the 14 day cooling off period.

I was thinking that, but taking out insurance will cost me circa £5k at the moment! Is there another way to do it?

if your own insurer gives you third party extension you could get someone else to insure the car and you drive it using 3rd party extension?

I don't have third party cover on my current policy mate.

You have a heroes birthday.

Why is this?

 

[Feirny]

Why is this?

Same as mine

 

[Gumby]

I was thinking that, but taking out insurance will cost me circa £5k at the moment! Is there another way to do it?

Pay via instalments? You'll get it back. In fact you may not even have to pay one.

 

[jesus]

Pay via instalments? You'll get it back. In fact you may not even have to pay one.

So you mean pay monthly and cancel within the 14 days? Would I get my deposit and first payment back?

 

[jesus]

Any further ideas before I go look at it tomorrow?

 

[ipodsandguns]

when my mate started a new policy about a 1 week before he gained another years no claimes they said they would count it as long as he sent proof ASAP.

So maybe worth talking it over with them explaining the situation.

 

[Gumby]

So you mean pay monthly and cancel within the 14 days? Would I get my deposit and first payment back?

You would get it all back

 

[jesus]

when my mate started a new policy about a 1 week before he gained another years no claimes they said they would count it as long as he sent proof ASAP.

So maybe worth talking it over with them explaining the situation.

Only thing is, I turn 21 in June and also have held my license for 2 years in June, so it all points to waiting til then to get the insurance. I could give it a go though!

 

[ekaJ]

Named driver for a month?

 

[jesus]

It would still cost an arm and a leg to be a named driverr. We're talking £3k!

 

[colossuss]

If its still insured by the guy selling it then couldn't you just get a parent or someone else with 3rd party cover on other insured cars drive it back for you?

Then you will just have to wait until you're 21

 

[jesus]

That was my first idea but my mates are all at work and such! Looks like I'll have to take out the 7 day policy now and then miss FCS. Ah well, thanks for your help anyway lads!

 

[colossuss]

Or another option is you could cheekily ask the seller to drive it to your house then you drop him back? (Presuming you have another car atm)

 

[jesus]

He can't travel further than our arranged meeting point, halfway between houses. Gutted tbh!

 

[jesus]

Has anyone actually got insurance, and then cancelled within the 14 day cooling off period?

 

[st3ve]

Jamie, someone has already mentioned it earlier in the thread.

If you call your insurance company, not now, still too soon.

Say call them a day or two before FCS and explain to them the situation.

I am 90% certain they will honour the no claims/age etc seeing as it is so close to your renewal.

 

[jesus]

The only problem is that my birthday is 13 days after FCS, if it was 1 or 2 days I would've thought they would do it, but 13 days seems a bit much for that!