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Insuring a cheap car for one day - how?

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Bought a cheap cheap run around yesterday. My current insurer isn't open from 12 midday Saturday till 9am Monday, which is absolutley useless! And I just went to insure myself for one day, and i… Read More
darkstryder360 Avatar
9m, 2w agoPosted 9 months, 2 weeks ago
Bought a cheap cheap run around yesterday.

My current insurer isn't open from 12 midday Saturday till 9am Monday, which is absolutley useless!

And I just went to insure myself for one day, and in the Terms and Conditions for one site, I am 'declaring' that the cars market value is worth between £1,500 and £40,000

How the hell am I meant to insure this bloody car, I need to get to work tomorrow and cannot do it legally.
darkstryder360 Avatar
9m, 2w agoPosted 9 months, 2 weeks ago
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(30) Jump to unreadPost an answer
Responses/page:
banned#1
http://www.tvcarhire.com/trotter-van-hire/Event%20Pics/midwife-on-emergency-call.jpg
#2
What's the issue? Just do it online.

Is it worth over £1500 but below £40000?

If so, just do it.
#3
benjammin316
What's the issue? Just do it online.
Is it worth over £1500 but below £40000?
If so, just do it.

It's worth £300

And I can't change policy details with my current one as they don't have an online area.

Edited By: darkstryder360 on Sep 04, 2016 13:24
#4
darkstryder360
benjammin316
What's the issue? Just do it online.
Is it worth over £1500 but below £40000?
If so, just do it.
It's worth £300


http://www.confused.com/car-insurance/one-day
#5
don't drive it for one day.....easy answer
#6
benjammin316
darkstryder360
benjammin316
What's the issue? Just do it online.
Is it worth over £1500 but below £40000?
If so, just do it.
It's worth £300
http://www.confused.com/car-insurance/one-day

They're charging twice the price of other ones. £70 a day.
#7
mattinhull
don't drive it for one day.....easy answer
How do I get to work?

Will the insurance company refund me train travel costs?
#8
Just wait 'till Monday?
#9
airfix
Just wait 'till Monday?

I work 9-5.
#10
How would you have got to work before buying the car?
banned#11
Value the car at £1500. It's for one day. You'll be over insured and you'll have a proper explanation if a claim was needed. If that's not for you then throw a sickie. After all it is Monday you're talking about here.

Edited By: cchopps on Sep 04, 2016 13:33
banned#12
darkstryder360
mattinhull
don't drive it for one day.....easy answer
How do I get to work?
Will the insurance company refund me train travel costs?

Walk,bicycle,taxi,bus,train.

Edited By: MrScotchBonnet on Sep 04, 2016 13:33
#13
Surely the train tickets arent much more than the insurance cost for one day?
#14
There's an company called cuvva which do short term insurance Google them
#15
Does your current insurer not allow you to drive another car? http://www.confused.com have temporary cover
#16
cchopps
Value the car at £1500. It's for one day.
And the actual value of the car makes little difference to the quote you'll get anyway. A rusty £100 Chevette can kill as many people as a 66 plate BMW if you have an accident.
#17
postmang
Does your current insurer not allow you to drive another car? http://www.confused.com have temporary cover

Almost certainly not.
Those policies which do include cover to drive other vehicles always exclude cars owned by yourself.
#18
TheRatedSeller
Surely the train tickets arent much more than the insurance cost for one day?

It's a 3 hour round trip, 3 trains and £20 ticket, or 30min round trip driving.
#19
I'm not sure which User felt the need to downvote everyone in this Ask thread. Including myself oO
#20
As airfix asked upthread, how did you get to work before buying this car.

You mentioned in post #3 that you can't change the policy details of your current car online as there is no facility to do so on your insurer's website. So drive your current car which is insured.
#21
terriclarkfan
cchopps
Value the car at £1500. It's for one day.
And the actual value of the car makes little difference to the quote you'll get anyway. A rusty £100 Chevette can kill as many people as a 66 plate BMW if you have an accident.
rubbish a 66 plate bmw will cost a hell of a lot more to repair after an accident than a £100 chevette therefore will return different quotes
#22
ding
terriclarkfan
cchopps
Value the car at £1500. It's for one day.
And the actual value of the car makes little difference to the quote you'll get anyway. A rusty £100 Chevette can kill as many people as a 66 plate BMW if you have an accident.
rubbish a 66 plate bmw will cost a hell of a lot more to repair after an accident than a £100 chevette therefore will return different quotes
Barely, I was messing about getting quotes and the difference between my 15 year old focus and a brand new Discovery Sport was about £50, given my insurance was £650 at the time that's less that 10% difference, that was only my second year of driving as well.

Edited By: dcx_badass on Sep 04, 2016 23:31
#23
ding
terriclarkfan
cchopps
Value the car at £1500. It's for one day.
And the actual value of the car makes little difference to the quote you'll get anyway. A rusty £100 Chevette can kill as many people as a 66 plate BMW if you have an accident.
rubbish a 66 plate bmw will cost a hell of a lot more to repair after an accident than a £100 chevette therefore will return different quotes

you could crash a £50 scrapper at the wrong place/time and destroy millions of pounds worth of cars that your insurer would be liable for.. they don't just have to repair the vehicle which is insured but any that are damaged in the process..
#24
darkstryder360
TheRatedSeller
Surely the train tickets arent much more than the insurance cost for one day?
It's a 3 hour round trip, 3 trains and £20 ticket, or 30min round trip driving.
If it is only a 30 minute round trip surely a taxi would not be that expensive . How did you get there last week before you got this car ?
#25
darkstryder360
How do I get to work?

Yes, tricky one, isn't it? Maybe ask a five year old and you may receive a suitable answer.
#26
Have you checked your existing policy that you have driving other cars (DOC) is included? Its usually included on most comprehensive policies but that's changing.
#27
Well OP's at work now so /thread.
#28
ceres
Well OP's at work now so /thread.


You can't leave it like that, with this cliff-hanger ending! OP must tell us what he did in the end. Shank's pony/taxi/sickie?
#29
DistortedVision
Have you checked your existing policy that you have driving other cars (DOC) is included? Its usually included on most comprehensive policies but that's changing.

You can only drive other cars if they currently have insurance on them, i,e say you wanted to drive your mums car which is insured in her name you would be able too but usually only third party.

If a car doesn't have any insurance your policy wouldn't cover you, If they did then I'm sure loads of people would be driving Ferraris but insuring a fiat etc..
#30
correct.

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