Temporary Insurance

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Fri 8 Apr 2005 11:02
Temporary Insurance - cdbr
Am taking delivery of new car today, selling the old one privately - esure want £85 to keep the old one on temporary cover for a month (annual premium is normally £350).

Is this normal and are there people who will insure it for a short period?
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Fri 8 Apr 2005 11:18
Temporary Insurance - livefortheday
1) £85 sounds heavy, but they are probably working out the premium on the additional car "gross". i.e. Without ncb included.

2) Nobody does temporary cover like this.

I know other people may disagree, but if I was you and the car was safely off-road I would be tempted to immobilise it and just get one days temporary cover as and when needed for trying to sell it. Just my choice and I know other would be uncomfortable with doing this.
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Fri 8 Apr 2005 11:21
Temporary Insurance - cdbr
Thanks,

Would I get caught out by all this sharing of information if I tried to do it with a company on a 'monthly pay' basis and cancel as soon as it is sold?
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Fri 8 Apr 2005 11:42
Temporary Insurance - livefortheday
Proving the bonus would be the problem there. They may charge the cancellation fee on the gross premium...v expensive.

Most companies if not all offer a 14 day cooling off period. No questions asked just cancel within 14 days and no premium charged....................
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Fri 8 Apr 2005 11:43
Temporary Insurance - cdbr
Aha! Thanks.
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Fri 8 Apr 2005 11:47
Temporary Insurance - livefortheday
One thing to remember is if you have an accident within 14 days you may lose the right to cancel and get money back.

I have been out of insurance for a year or so and don't know whether the latest FSA rules/more modern practice have stopped this practice, but it is worth checking.
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Fri 8 Apr 2005 12:07
Temporary Insurance - Truckersunite
I had a similar situation at the beginning of the year, Elephant charged me £15 per week to keep it insured, my premium for the year was about the same as yours.
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Fri 8 Apr 2005 12:23
Temporary Insurance - martint123
No help to you now, but Direct Line gave me a free one month cover note for my old car when I changed over to a newer one.

Martin
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