IAmConorr Posted January 10, 2013 Report Share Posted January 10, 2013 This is a long shot, but I'd quite like to share it with you guys as it might help some younger drivers. I was on a price comparison website and for some reason I was messing around with the start date of the policy, I clicked on 15 days in the future and got a quote which was a few hundred pounds cheaper than the quote I had received for that day. Basically if I set the start date 15 days in the future it was £300 cheaper.Now, what I want to know is, can I pay for my mum to take out temp insurance on my Lupo for 20 days (£30) whilst my policy starts 15 days in? Meaning my insurance is cheaper.Is this illegal or have I just found a way to cheapen my insurance? There's no reason I can see it being a problem? Just want other people's answer on this.Thanks 1 Quote Link to comment Share on other sites More sharing options...
gatesy0093 Posted January 10, 2013 Report Share Posted January 10, 2013 well im only 19 and have no sense what so ever, but your car is still technically insured one way or another so i say go for it Quote Link to comment Share on other sites More sharing options...
Pete91 Posted January 10, 2013 Report Share Posted January 10, 2013 Don't see why not. could you not just take out temp insurance for yourself for the 20 days? Quote Link to comment Share on other sites More sharing options...
Little Green Giant Posted January 10, 2013 Report Share Posted January 10, 2013 dont see why that would be illegal! crack on Quote Link to comment Share on other sites More sharing options...
Defcon5 Posted January 10, 2013 Report Share Posted January 10, 2013 As long as you are insured to drive it until your other policy starts then its all good Quote Link to comment Share on other sites More sharing options...
matt123roll Posted January 10, 2013 Report Share Posted January 10, 2013 It's nothing illegal but you may run into trouble when it comes to insuring a car that already has a policy on it as it will show as insured on the MID (motor insurance database), I'm not sure about this some people have said you can't insure one car with 2 policies from 2 different companies. I don't fully understand why you can't just wait 15 days without the car? Unless you rely on it for work etc Quote Link to comment Share on other sites More sharing options...
IAmConorr Posted January 10, 2013 Author Report Share Posted January 10, 2013 Well if that's the case ill get temp cover until a certain date (e.g. 20/01/2013), then have my main insurance start on that day as well, surely it wouldn't overlap and the car would still only be insured on one policy? Quote Link to comment Share on other sites More sharing options...
Tim@Prestige Posted January 11, 2013 Report Share Posted January 11, 2013 You can only insure a car that you own so if you own the car, your mum can't insure it because there is no 'insurable interest'. Quote Link to comment Share on other sites More sharing options...
IAmConorr Posted January 11, 2013 Author Report Share Posted January 11, 2013 So what's the point in temporary cover then? I thought it was so someone who didn't own the car could drive it temporarily? Quote Link to comment Share on other sites More sharing options...
matt123roll Posted January 11, 2013 Report Share Posted January 11, 2013 Temporary cover is for a vehicle thats not insured eg. you own a car but you leave the country for 11 months of the year when you return you want to insure it for 1 month of the year. Just organise temporary cover until the start date of your 12 month policy. Quote Link to comment Share on other sites More sharing options...
IAmConorr Posted January 11, 2013 Author Report Share Posted January 11, 2013 Oh, I'll have to see how much a temp quote is for someone my age then Quote Link to comment Share on other sites More sharing options...
Defcon5 Posted January 11, 2013 Report Share Posted January 11, 2013 You can only insure a car that you own so if you own the car, your mum can't insure it because there is no 'insurable interest'.What?/knocks prestige of list of potential insurers 1 Quote Link to comment Share on other sites More sharing options...
Pete91 Posted January 11, 2013 Report Share Posted January 11, 2013 Temporary cover is for a vehicle thats not insured eg. you own a car but you leave the country for 11 months of the year when you return you want to insure it for 1 month of the year. Just organise temporary cover until the start date of your 12 month policy.My mate got temp insurance for a night on his mum's car? Quote Link to comment Share on other sites More sharing options...
matt123roll Posted January 11, 2013 Report Share Posted January 11, 2013 My mate got temp insurance for a night on his mum's car?Yeah I'm not 100% on it but I'm sure if a car is insured and someone needs temporary cover they may be able to get it for a certain period of time but I'm sure you can't hold 2 policies on 1 car for a long period of time Quote Link to comment Share on other sites More sharing options...
IAmConorr Posted January 12, 2013 Author Report Share Posted January 12, 2013 There would never be 2 policies on the car at the same time, my mums temp cover would expire the day my full cover starts? Quote Link to comment Share on other sites More sharing options...
bikemad04 Posted January 12, 2013 Report Share Posted January 12, 2013 You can only insure a car that you own so if you own the car, your mum can't insure it because there is no 'insurable interest'.Surely that's wrong?As most temp cover companies quote that the cover can be used to borrow a friends car. Quote Link to comment Share on other sites More sharing options...
Defcon5 Posted January 12, 2013 Report Share Posted January 12, 2013 Yes it is wrong. 1 Quote Link to comment Share on other sites More sharing options...
Tim@Prestige Posted January 14, 2013 Report Share Posted January 14, 2013 It's true with mainstream insurers but if 'temporary cover companies' do offer this, just get it in writing that they know someone else owns the car. Quote Link to comment Share on other sites More sharing options...
Defcon5 Posted January 14, 2013 Report Share Posted January 14, 2013 I have insured cars with mainstream companies when I am not the owner of the car in question.I have also insured cars with mainstream insurers when there are other insurance policies in place on that particular vehicle.How are you defining legal ownership? I am the legal owner of my other half car, yet she is the registered keeper and policy holder? If I rang prestige for a quote would it make your computer explode? 1 Quote Link to comment Share on other sites More sharing options...
Tim@Prestige Posted January 14, 2013 Report Share Posted January 14, 2013 HiI'm not talking about husband and wife as that would be fine if one is the registered owner and the other insures it. I'm talking about insuring your mates car down the road!!! 1 Quote Link to comment Share on other sites More sharing options...
Skezza Posted January 25, 2013 Report Share Posted January 25, 2013 Tim I'm still not sure about this. I was insured on a friends car once when it was necessary for me to drive it for a day. They never said there was any problem with that. Quote Link to comment Share on other sites More sharing options...
Tim@Prestige Posted January 25, 2013 Report Share Posted January 25, 2013 Tim I'm still not sure about this. I was insured on a friends car once when it was necessary for me to drive it for a day. They never said there was any problem with that.Hi Skezza.There's no problem with that. You can be a named driver. Just that some insurers won't let you take out a policy in your name on someone else's car such as a friend (though some may such as day insurers, etc.) Quote Link to comment Share on other sites More sharing options...
Deadmetal Posted January 27, 2013 Report Share Posted January 27, 2013 It's crap like this that makes my think cars should be insured, not drivers. Quote Link to comment Share on other sites More sharing options...
Skezza Posted January 28, 2013 Report Share Posted January 28, 2013 It's crap like this that makes my think cars should be insured, not drivers.Like they have in Australia?Have to agree to be honest. I actually reckon it would improve the ability of many (esp. young) drivers in this country having a system like this. Quote Link to comment Share on other sites More sharing options...
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