Temp cover, will this work?

iaind · 3 Jul 2011 at 11:38

As the Honda is showing signs of imminently dying and I'm off to the other side of London for a weekend in 2 weeks time, I'm looking at borrowing my dads car (a 9-5) for the weekend. Temp cover type policies are running to about 50-60 quid a day so it's a lot of money for 4 days use of a car.

My insurer, swiftcover, won't let me add it as a temp car to my policy. However, they will let me change the car on my policy to it for 180 quid (policy runs to Feb). I though I could change my policy to his car on the Friday for 180 quid then back to the Honda the following week and get most of that 180 quid back.

Is there anything wrong with this plan, legally or otherwise? How would the new legislation affect it - as my car won't have an active policy for that weekend but will be left in a privat driveway.

Thanks

mattyprice4004 · 3 Jul 2011 at 13:47

Sup with the Honda?

Edit: and should be fine, I've done this before.

iaind · 3 Jul 2011 at 13:57

Lunched gearbox, knackered AC compressor and a recently acquired braking/suspension issue. It's not long for this world, replacement should be along soon enough though

Antipasti · 3 Jul 2011 at 14:05

Just hire a car, I hired a brand new golf for a weekend for £60!

iaind · 3 Jul 2011 at 14:08

reevsy said:
Just hire a car, I hired a brand new golf for a weekend for £60!

Whereabouts?

Saying that, this'll probably work out less than 60 quid and be a better car for the journey

Berger · 3 Jul 2011 at 14:08

You would have to SORN and re-insure and tax your car when you wanted to use it.

Antipasti · 3 Jul 2011 at 14:11

iaind said:
Whereabouts?

Saying that, this'll probably work out less than 60 quid and be a better car for the journey

Motorplan in Plymouth, but I'm sure you'd get a similar deal wherever you are.

iaind · 3 Jul 2011 at 14:15

Berger said:
You would have to SORN and re-insure and tax your car when you wanted to use it.

Gah, was worried that would be the case

reevsy said:
Motorplan in Plymouth, but I'm sure you'd get a similar deal wherever you are.

A quick search says about a ton for a fiesta, but I'll search around

Dogbreath · 3 Jul 2011 at 15:04

iaind said:
Is there anything wrong with this plan, legally or otherwise?

I suspect you will be rather disappointed if you think you will get most of your £180 back. They will almost certainly remove a a hefty chunk for admin charges etc.

OllyM · 3 Jul 2011 at 15:22

Why not get your dad to add you as a temporary driver to the 9-5's existing policy?

iaind · 3 Jul 2011 at 16:52

OllyM said:
Why not get your dad to add you as a temporary driver to the 9-5's existing policy?

He's with saga so they won't cover me.... Anyway just spoken to him and it looks like he needs it that weekend anyway, so on the hunt for car hire now!