Hiya,

I'm going to be taking my car off the road for a while but it is still going to be taxed & MOT'd, it just won't be insured. However I still might need it from time to time. So I figured I'd look into temp insurance should the need occur. However they don't seem to insure cars older than 10 years? What?

Anyone know why? And if there is a temp insurance company that will do cars older than 10 years? I tried 3, and all three refused because of the car's age.

-wolfman

Yup i had the same issue,the alternative ive got mine on a classic policy which is pretty cheap £370 for the year which in my circumstance was 800 better than anywhere else.

Per month only works out at £30ish a month.

Ive just turned 25.4500k a year and 6 points

Maybe worth looking into along with very limited millage,cheaper than temp insurance anyway if you took the car out for a few days a month.

dayinsure.co.uk will cover you. Fine for the odd day or three (max 90 days per year) but stoopidly expensive for 2 weeks for instance.

I've used the short term insurance from Norwich Union (Aviva) lots of times to move various motors or pick up new projects they dont have an age limit on the car, and offer 40K fully comp cover for about £12 a day - very easy to orgainise too

Here : http://www.aviva.co.uk/short-term-car-insurance/

Hrm I tried Aviva and Dayinsure and they both said I couldn't because of the age of the car.

Perhaps its just the website, maybe if I phoned for a quote it would be different.

-wolfman

That is weird, yours can't be any older than mine, and we're in a similar location.

Test it using my reg (below) if you like.

Otherwise you'll have to phone them I suppose.

btw both Aviva and Dayinsure come out exactly the same price for me - just under £30 for a day, £112 for a week.

If youre only worried about when you are driving it, rather than fire/theft/break in, do you have another car you will be using??
If you go fully comp on your other car, and youre over 25, you should be insured to drive the coupe Third party. Check with insurer though.

^
this usually only covers you for other vehicles that you don't own though.

I think the other vehicle has to have insurance as well.

I'm pretty sure DayInsurance has an insurance group limit of Grp 18 too to prevent 23 year olds getting behind the wheel of high powered Grp 20 cars and only paying £12 to do so.

Dayinsure is 25 plus for over group 18 i think.I couldnt insure mine at all till i was 25

the shouldnt be allowed to play the age card! total con!

No, that won't work. If you want to save money that way, you'd have to transfer the register keeper of the vehicle to someone else who would need to insure it in their name. Can't imagine how that would save anything.

A multiple car policy is one option, assuming you have another vehicle, but even those are frequently more expensive than standard policies once you take into account the exclusions, excesses, etc.

I would have thought it's hardly worth dropping the insurance for a short period, unless your premium is insanely high.

I had the same problem recently when trying to get temp insurance with my car. Wouldn't insure because the car was over 10 years old/I was under 1000 years old/the day of the week had the letter "a" in it...

When you Google "day insurance" it looks like there are hundreds of companies, but in fact nearly every single site is owned by either of two insurers, so you'll get the same crap nearly every time. Turned out to be three seperate companies in total - and the third one was stuuuupidly expensive!

Classic insurance sounds like the way to go. Only thing is aren't you linited to like 10 miles per year, and you have to wear a cloth cap while driving??

That's a common belief, but I've never seen an insurance policy which requires that it does, but...

1. Third party extensions invariably only cover you to 'drive' other vehicles, while the law requires that you have insurance to 'use' them - these 2 terms are not necessarily synonymous.

2. If the vehicle you're driving isn't covered by any other insurance policy then that's a red flag for the insurance underwriter if they're investigating a claim you make. Why didn't the other car have insurance? Has the owner ever insured it? Is it really their car, or is it yours and you've simply transferred the V5 over? Is the vehicle roadworthy?

3. You can't use 3rd party extension to renew your road fund licence, which means that when your tax disc runs out you've got to either get proper insurance or declare the car SORN. Once you do the latter you can't use it anyway, because it will trigger ANPR cameras and land you with a fine.

I always believed that if you dissected the letter of the law, there was no need for the other car to have insurance AS LONG AS you remain with it, in the driving seat, at ALL times, whereupon your insurance covers it. However, if for example you park up and leave the car, then it is uninsured on the road.

That said, on one of the gazillion traffic cop programmes on the TV, they stuck a guy on for exactly that - he was driving someone else's car, with permission, under his own policy and they deemed him uninsured - although the programme didn't show the final outcome of the case/charge.

I cover my fleet with an Admiral multi-car policy.