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Question About New Car/Insurance !

DFN Avatar
6y, 11m agoPosted 6 years, 11 months ago
Here for some help !

I ordered a car on finance on the 6th Spetember at a Suzuki dealer, come the 11th September I was given a list of Reg Numbers to choose from, I chose one and I assume they put it on order the 11th September. I now have to wait a week and half to two weeks to collect the car. In the mean time I've been asked to sort out insurance and forward them a insurance certificate so they can tax the car.

The probelm, the Reg number or car is not coming up on my current insurers database. I've emailed them and asked them to add the car but their underwriter requires the Reg number. Now I have provided this but I'm going to assume it will turn up a blank as it's probaly yet to be registered against the car.

How long will it be before the Reg number is registered against the car ? What should I do ?

On another note my current insurer will be wanting £500+ to amend my policy to my new car ( I quoted a similar model). That's just for the remaining 5 months ! (Young driver and all !)

Thanks guys !
DFN Avatar
6y, 11m agoPosted 6 years, 11 months ago
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#1
When i got my new motor bike on 51 plate 1st sep 2001.
The ins company accepted the chassis number to insure the vehicle on until you have plates.
It might have changed now but i dont no.
1 Like #2
Insurance cost are high all round but

Look on money saving expert for ins guide to save money also quidco cash back etc.
Add you mum of dad to you ins im 40 and saved me £35/40.00 when i added my mum.
1 Like #3
Insurance for a car can be done on the chassis number:thumbsup:
#4
Cheers ! Rep left.

I've tried just about all comparison websites !

:thumbsup:
#5
cis_groupie
Insurance for a car can be done on the chassis number:thumbsup:


Cheers, can't provide them with that though as I don't have the car yet ! Rep left
#6
"... now have to wait a week and half to two weeks ..."

Is this a new car? Where is it being shipped from? Japan?

If it is in the UK, it should be delivered to the dealer within a few days, checked for faults, registered & taxed... a week at most!

Once the car is at the dealer & ready to drive it should only take a few hours after that.

Maybe the dealer only ships vehicles on a given day of the week & you missed that week's window of opportunity last week.

BFN,

fp.
#7
Yes it is a new car, only announced on the 1st of September 2009. It's a Suzuki Swift SZ-L (Limited Edition), the dealer may already have the car I'm not sure.

It's going onto a 59 plate so I assumed the wait was for that. I'm not sure how it all works, do Reg numbers get allocated, 'printed' and sent to the dealer straight away ?
1 Like #8
DFN
Yes it is a new car, only announced on the 1st of September 2009. It's a Suzuki Swift SZ-L (Limited Edition), the dealer may already have the car I'm not sure.

It's going onto a 59 plate so I assumed the wait was for that. I'm not sure how it all works, do Reg numbers get allocated, 'printed' and sent to the dealer straight away ?


Depending on the size of the dealership, they are usually pre-allocated a range of numbers (hence, why you could choose from a list); like mobile telephone retailers having a list of numbers to choose from.

It is then just a case of making sure the number is recorded as taken, & the DVLA being informed that the vehicle is associated correctly.

In retrospect, I guess they are quoting a long lead time to you because they may wish to hand you the brand new V5 Registration Document. This paperwork may take 10 days to be delivered to the dealer from the DVLA.

Either way, why not ring the dealer & ask for the details you need to gain some insurance quotations.

It is not like this is a unique request.

BFN,

fp.
#9
It must be a wait for the paperwork then, I will be the first person on the V5. Hence why they need my insurance certificate. Does it really take 10 working days ? I hate waiting !

Shouldn't the Reg number be bringing up the car details by now though ? (On comparison websites etc)

I'll contact then dealer this afternoon, do I just need the chassis number ?.

Thanks btw ! Rep left.
#10
MAKE sure you get GAP INSURANCE.

Its a life saver.

Dont buy from dealer tooooooo expensive here are some good links

I would go for return to invoice PLEASE PLEASE take a gap ins out
You could be the best driver ever lol.
Im not my car was parked out side the house when was hit by a dust cart
now a right off.
new car arrives 23/09/1969
I had return to invoice cover best 200.00 ive ever spent.


http://www.click4gap.co.uk/index.asp

http://www.shortfallcover.co.uk/info/insurance.asp?did=1

http://www.directgap.co.uk/

http://www.gap-insurance-online.co.uk/

http://www.ala.co.uk/quote.php

http://www.surfandprotect.com/motor/default.asp

http://www.car2cover.co.uk./

http://www.car2cover.co.uk/Quote-Me-For-Vehicle-Replacement-Insurance
#11
bigwheels
MAKE sure you get GAP INSURANCE.

Its a life saver.

Dont buy from dealer tooooooo expensive here are some good links

I would go for return to invoice PLEASE PLEASE take a gap ins out
You could be the best driver ever lol.
Im not my car was parked out side the house when was hit by a dust cart
now a right off.
new car arrives [COLOR="Red"]23/09/1969[/COLOR]
I had return to invoice cover best 200.00 ive ever spent.


http://www.click4gap.co.uk/index.asp

http://www.shortfallcover.co.uk/info/insurance.asp?did=1

http://www.directgap.co.uk/

http://www.gap-insurance-online.co.uk/

http://www.ala.co.uk/quote.php

http://www.surfandprotect.com/motor/default.asp

http://www.car2cover.co.uk./

http://www.car2cover.co.uk/Quote-Me-For-Vehicle-Replacement-Insurance


That's well quick :w00t:
#12
DFN
It must be a wait for the paperwork then, I will be the first person on the V5. Hence why they need my insurance certificate. Does it really take 10 working days ? I hate waiting !

Shouldn't the Reg number be bringing up the car details by now though ? (On comparison websites etc)

I'll contact then dealer this afternoon, do I just need the chassis number ?.

Thanks btw ! Rep left.



The DVLA quote 10 days for a replacement V5 (if I recall correctly). You can probably find the exact waiting time on their web site. I suspect the issuing of a new V5 to be around the same duration.

You can ask Insurance Companies (or Brokers) for quotations based on, say, a "59" plate (or date of registration; say, this week, or next, if you need to), but the paperwork from the Insurer cannot be issued until they have the exact Registration Mark (or Chassis Number).

In order to quote the Chassis Number alone you may need to speak to somebody via the telephone, rather than using an online service.

BFN,

fp.
#13
bigwheels
MAKE sure you get GAP INSURANCE.

Its a life saver.

Dont buy from dealer tooooooo expensive here are some good links

I would go for return to invoice PLEASE PLEASE take a gap ins out
You could be the best driver ever lol.
Im not my car was parked out side the house when was hit by a dust cart
now a right off.
new car arrives 23/09/1969
...


midlandscomics
That's well quick :w00t:


He must drive a DeLorean DMC-12 :)

http://upload.wikimedia.org/wikipedia/en/thumb/2/27/BackToTheFutureLogo.jpg/200px-
#14
Turns out my current insurer (ecar) won't insure the car ! They didn't say why. Nothing special about it, apart from the fact it's a limited edition.

I've been trying to get quotes everywhere but no one has the model listed on their site yet, if they do it's sky high (ex. Co-op). I've had quotes from Aviva, tesco etc around £1400 for a similar vehicle. I've also had one from swift cover but they also don't list the model, I've talked to them to which they said they would refer it to their underwriters. The rest I'll have to ring.

Why does no one have it listed ?

:?
#15
DFN
Turns out my current insurer (ecar) won't insure the car ! They didn't say why. Nothing special about it, apart from the fact it's a limited edition.

I've been trying to get quotes everywhere but no one has the model listed on their site yet, if they do it's sky high (ex. Co-op). I've had quotes from Aviva, tesco etc around £1400 for a similar vehicle. I've also had one from swift cover but they also don't list the model, I've talked to them to which they said they would refer it to their underwriters. The rest I'll have to ring.

Why does no one have it listed ?

:?


Have you tried GoCompare.com?

I presently use Adrian Flux Insurance Services (a Broker that sends my business to Equity Red Star), & Admiral(.com).

In the past I have also found the National Farmers' Union (NFU Mutual) to be very competitive.

Also, a referral to the underwriting department is not necessarily a bad thing; they probably need to look at the quote manually because the vehicle is not listed because it is such a new model.

I would expect this will only take 24-48 hours.

Also, why not ask the dealer to recommend an insurer?

BFN,

fp.
#16
Thanks for the continued advice Fanpages !

I did ask the dealer, they recommended Suzuki (No Surprise !) but they come out at £3000+ for me. Probaly due to my age etc. I'm 21, had my license 7 months.

I've tried gocompare, they don't list the car either. I'm still waiting on hearing from Swift Cover and Aviva also.

I have requested a quote from the company you mention, hopefully they'll come out cheap(er) !

Thanks again.
banned#17
fanpages
Depending on the size of the dealership, they are usually pre-allocated a range of numbers (hence, why you could choose from a list); like mobile telephone retailers having a list of numbers to choose from.

It is then just a case of making sure the number is recorded as taken, & the DVLA being informed that the vehicle is associated correctly.

In retrospect, I guess they are quoting a long lead time to you because they may wish to hand you the brand new V5 Registration Document. This paperwork may take 10 days to be delivered to the dealer from the DVLA.

Either way, why not ring the dealer & ask for the details you need to gain some insurance quotations.

It is not like this is a unique request.

BFN,

fp.


V5 doesnt go to the dealer it goes to the registered keeper
banned#18
the car isnt on the database yet because its not registered and wont be until the day you collect it from the dealer

the insurance company should be able to set up your insurance with you giving them the make and model and they will then add the registration number manually

ask the delaer what model the ltd edition is based on
#19
dimebars
V5 doesnt go to the dealer it goes to the registered keeper


What is the reference of the form handed to you from the dealer to prove ownership of a new car? Isn't that one half of a V5 document? A supplemental part of the main V5?

BFN,

fp.
banned#20
fanpages
What is the reference of the form handed to you from the dealer to prove ownership of a new car? Isn't that one half of a V5 document? A supplemental part of the main V5?

BFN,

fp.


Its just a print-out of the registration screen with the new owners details on it

its printed on-site and is nothing to do with the DVLA
#21
How they supposed to tax the car without the V5C then ?. The LTD Edition is based on the GLX as far as I am aware same specs, just a smaller engine and chrome trim.

It's all rather confusing this ! I'll have to get in touch with the dealer again. Still haven't heard from swiftcover, I'm keen to hear from them as they come out cheaper then the rest. The model doesn't come up on their site yet either.

The only other cheaper company I came up with was aviva, I haven't heard from them either ! Will have to ring them when I know the car is ready.

Adrian Flux came out @ £2100

How will the dealer attain the Registration plate then ? They just order one ?

Thanks guys !

:thumbsup:
#22
dimebars
Its just a print-out of the registration screen with the new owners details on it

its printed on-site and is nothing to do with the DVLA


Shows how long it has been since I bought a brand new car (1997).

:)

Thanks.

BFN,

fp.
banned#23
DFN
How they supposed to tax the car without the V5C then ?. The LTD Edition is based on the GLX as far as I am aware same specs, just a smaller engine and chrome trim.

It's all rather confusing this ! I'll have to get in touch with the dealer again. Still haven't heard from swiftcover, I'm keen to hear from them as they come out cheaper then the rest. The model doesn't come up on their site yet either.

The only other cheaper company I came up with was aviva, I haven't heard from them either ! Will have to ring them when I know the car is ready.

Adrian Flux came out @ £2100

How will the dealer attain the Registration plate then ? They just order one ?

Thanks guys !

:thumbsup:


The dealer allocates a registration number via their computer link to the DVLA known as AFRL. As its a new car you dont need a V5 to tax it .

The registration plates will be made up on site - you dont need to order them
#24
Arrrrr !

Why doe no one want to insure it !

As you can probaly tell I'm still having problems with insurance. Got an email from Swift stating their underwriters cannot insure the car. No reason was given, that's the second refusal now. I can't find any other sites that list it.

I'll be ringing Tesco & Aviva tomorrow to see if they can. Hopefully one of them can, they both come at around £1400.

The only site I've fond so far that have it listed are Co-Op, but they want £2000+ !

Would it be worth trying MFU Mutral, do they insure young driver at a resonable price ?

Do you know when the Reg should be pulling up details of the car Dime ? Would it be after we collect it (If I manage to insure it !) ?

Thanks again for the help btw. The car is a Suzuki Swift SZ-L if interested. In an email I got from the dealer after I choose a Reg Number he stated the Reg number is on delivery and will be around two weeks !

:roll:
#25
Finally got some where, managed to get a decent quote with Aviva (£1292) which is the cheapest yet. I had to call them and they had to add the car manually to their database. One thing I thought was strange is that they asked me how long I had my licence including provisonal years, I didn't think any company would want to know that ?. It pushing my licence to two years with that !

Much happier now, should have the car next wednesday if I can get the certificate to them by then. Just got to wait for my loan to appear in my bank account !

Thanks for all the help guys !

:thumbsup::-D
#26
DFN
Finally got some where, managed to get a decent quote with Aviva (£1292) which is the cheapest yet. I had to call them and they had to add the car manually to their database. One thing I thought was strange is that they asked me how long I had my licence including provisonal years, I didn't think any company would want to know that ?. It pushing my licence to two years with that !

Much happier now, should have the car next wednesday if I can get the certificate to them by then. Just got to wait for my loan to appear in my bank account !

Thanks for all the help guys !

:thumbsup::-D



That's great news.

I don't think I was much help... but you are welcome to anything you took away from the thread.

Don't forget to post a photograph of your new wheels when you have them :)

Happy motorin',

BFN,

fp.
#27
fanpages
That's great news.

I don't think I was much help... but you are welcome to anything you took away from the thread.

Don't forget to post a photograph of your new wheels when you have them :)

Happy motorin',

BFN,

fp.


Yes, you were helpful as are most people here. Thanks. Let's hope the quote still stands monday and it's all accurate. Were you ever asked for the amount of years you had a provsional before hand ?, still surprised me that one, partly because it probaly made the quote cheaper. Two years with provsional plus seven months with a full licence.

Will post a picture when i have it !

:thumbsup:
#28
DFN
Yes, you were helpful as are most people here. Thanks. Let's hope the quote still stands monday and it's all accurate. Were you ever asked for the amount of years you had a provsional before hand ?, still surprised me that one, partly because it probaly made the quote cheaper. Two years with provsional plus seven months with a full licence.

Will post a picture when i have it !

:thumbsup:


No... I fortunately was a named driver on one of my parents' motor insurance policies, then I was covered by an organisation-wide policy for the use of my Company-provided vehicle.

When I left the Company 3 or 4 years later, I don't think I was ever asked for Provisional usage.

Mind you, by then I had been driving for 5+ years (and had already owned 3 cars before my Company car).


Perhaps you could also ask one of your parents (or close relative) to take out a policy with you as a named driver. The Premium should be considerably less.

They don't have to legally own the vehicle, nor be the registered keeper.

BFN,

fp.
#29
Insurance is now sorted, I did indeed go with aviva at a total cost of £1275 ! Expensive but the best I could find.

I've forwarded the 'Motor Policy Shedule' to the garage via email, hopefully yhey can tax the car with it.

They've had to put the vehicle on the policy as such :- 2009 Aviva 36 DUMMY VEH GROUP SL

Strange eh !

Hopefully that'll be suitable for the Post Office etc though.

I did try a policy with me as a named driver only, the only company that would do it were Swift Cover. They wouldn't provide insurance ! Plus it's also wrong as I'd be the main driver ! That was £700+, I wouldn't have got any no claims either.

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