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    When buying a car?

    When you buy a car from a private advert what do you do about insurance?.

    Do you get insurance quote before you go then take it out if you buy the car, or do you sort it when you get home.

    im going to view a car and hopefully will buy it, but its over 20 miles away and not sure what to do.

    also im currently a named driver on anotha car if this makes any difference.

    15 Comments

    i would do it when i get home, but better safe than sorry.

    If you decide you want the car, ring your insurance company and get them to start the policy there and then. Some companies will offer you temporary cover (up to an hour I think) in order to get the vehicle home. Don't depend on being a named driver elsewhere as it doesn't guarantee you'll be covered driving any other vehicle (from experience I'd say it wouldn't anyway).

    EDIT: this company will give you insurance on a daily basis, so you can sort out a proper company once you're home:

    dayinsure.com/det…spx

    Take somebody else with FC insurance to drive it back as they'll probably have TP cover on other cars.

    Driving without insurance is endorsable with 6 points and about £300 fine. PLUS, the car gets towed, and to get back it's usually £80 fine and about £50/day storage.

    Immaterial if you're on way home from the purchase. Take someone with you who can legally drive it on their insurance, even if only TPFT.

    Shengis;5744133

    Take somebody else with FC insurance to drive it back as they'll probably … Take somebody else with FC insurance to drive it back as they'll probably have TP cover on other cars.



    Great minds :thumbsup:

    Check with the seller to see if it is insured for any driver for a test drive.

    Then if you buy it, arrange insurance immediately before driving it home.

    Shengis;5744133

    Take somebody else with FC insurance to drive it back as they'll probably … Take somebody else with FC insurance to drive it back as they'll probably have TP cover on other cars.



    as I've discovered recently, the practice of FC insurance covering TP is being phased out by some companies. It's policy specific so you need to check before assuming.

    insureyourmotor.com/pol…htm

    "Driving other cars is an extension that can be found on some policies. Its aim is to allow the driver to have cover whilst driving a vehicle, which is not the insured one."

    Xb0xGuru;5744171

    as I've discovered recently, the practice of FC insurance covering TP is … as I've discovered recently, the practice of FC insurance covering TP is being phased out by some companies. It's policy specific so you need to check before assuming.."



    Indeed, make sure that the policy gives third party cover to the policy holder, many do not now.

    Xb0xGuru;5744171

    as I've discovered recently, the practice of FC insurance covering TP is … as I've discovered recently, the practice of FC insurance covering TP is being phased out by some companies. It's policy specific so you need to check before assuming.http://www.insureyourmotor.com/policies/fully-comprehensive-car-insurance.htm"Driving other cars is an extension that can be found on some policies. Its aim is to allow the driver to have cover whilst driving a vehicle, which is not the insured one."



    Yeah. My car policy has TP but my van policy doesn't. I wouldn't buy normal car insurance without it as it's useful in an emergency, if somebody was taken ill for example.

    Original Poster

    Xb0xGuru;5744124

    If you decide you want the car, ring your insurance company and get them … If you decide you want the car, ring your insurance company and get them to start the policy there and then. Some companies will offer you temporary cover (up to an hour I think) in order to get the vehicle home. Don't depend on being a named driver elsewhere as it doesn't guarantee you'll be covered driving any other vehicle (from experience I'd say it wouldn't anyway).EDIT: this company will give you insurance on a daily basis, so you can sort out a proper company once you're home:http://www.dayinsure.com/detailedinfo.aspx



    Thanks just checked this site and its £15 for the day, that will do me perfect.

    also thanks to everyone else for all the info:thumbsup:

    kyalion;5744144

    Great minds :thumbsup:



    take a look at my location :thumbsup::p

    Shengis;5744133

    Take somebody else with FC insurance to drive it back as they'll probably … Take somebody else with FC insurance to drive it back as they'll probably have TP cover on other cars.



    You now only have driving other cars TP if that car has it's own insurance policy....... phased out a long time ago as people used buy an old banger fully comp and then drive the porsche on TP as part of their FC insurance.

    Banned

    just to add 'Tesco' do not allow drivers with fully comprehensive insurance to drive other cars, only in an emergency can you drive another car and even then it is only third party fire and theft. Found this out few months ago.

    evolution07;5744403

    You now only have driving other cars TP if that car has it's own … You now only have driving other cars TP if that car has it's own insurance policy....... phased out a long time ago as people used buy an old banger fully comp and then drive the porsche on TP as part of their FC insurance.



    Really? Best inform Manchester police then as they think differently:thumbsup:

    Have a look at rac hpi check they gave me an insurance quote after hpi check.didnot want cos of price but gave one weeks free driveway insurance
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