Temporary insurance

[Invertigo]

Hi all

I've just got home for Christmas, and my dad was wanting to insure me on his car for the next 3 weeks. However, his insurance company only deal with over 23's (I'm 22), and both TempCover and DayInsure wont insure me on his car. Any ideas?

For reference, his car is a BMW 528i 2000, and I'm a 22 year old student

Any advice would be great, thanks!

 

[iaind]

Do you have a policy on a car of your own?

 

[Dabbles]

http://www.dayinsure.com/ ?

 

[iaind]

both TempCover and DayInsure

http://www.dayinsure.com/ ?

 

[Barks]

From experience it's virtually impossible to arrange such insurance at your age, short of taking out a policy and cancelling it straight away.

 

[Dabbles]

Note to self: must thoroughly read and digest posts before responding!

 

[p1RATE]

Unless your dad can add you to his policy there is not much you can do, the reason being is that you cant have 2 polices on the same car.

 

[iaind]

you cant have 2 polices on the same car.

Huh?

 

[PiKe]

Unless your dad can add you to his policy there is not much you can do, the reason being is that you cant have 2 polices on the same car.

It's the person that is insured, not the car.

 

[Scania]

It's the person that is insured, not the car.

I was told by my insurers that I had to cancel my old policy with my previous insurer before I took out their policy due to me not being able to have more than one policy on the same vehicle.....

I didn't bother to check if it was true, I just did as they said.

 

[PiKe]

I was told by my insurers that I had to cancel my old policy with my previous insurer before I took out their policy due to me not being able to have more than one policy on the same vehicle.....

Keyword here referring to you, not the vehicle directly.

How would Day Insure actually work if it was the vehicle that was insured and not the person? It even suggests borrowing someone's car as a reason to use them.

 

[Scania]

Keyword here referring to you, not the vehicle directly.

How would Day Insure actually work if it was the vehicle that was insured and not the person? It even suggests borrowing someone's car as a reason to use them.

Not arguing with you mate, just saying I've encountered this myself - and was not aware of that particular restriction, nor why.


Given his age is against him with regard to day insurers etc, I suppose a new policy & then cancel is probably his only option.....?

 

[scratch]

I was told by my insurers that I had to cancel my old policy with my previous insurer before I took out their policy due to me not being able to have more than one policy on the same vehicle.....

I didn't bother to check if it was true, I just did as they said.

The key word there is you. I don't think there's anything stopping there being two policies in force on a vehicle at the same time, as long as it is two different people insuring the car.

 

[Dabbles]

There can be more than 1 policy covering a car, it is the person that is insured. What you can't do is have more the 1 policy for a person on a particular car, as that would lead to ambiguity on who is responsible to pay out in the event of an accident.

 

[LizardKing]

From experience it's virtually impossible to arrange such insurance at your age, short of taking out a policy and cancelling it straight away.

This, and pray to god your don't have an accident if its a stupidly expensive policy! (talking from experience here )

 

[Dabbles]

This, and pray to god your don't have an accident if its a stupidly expensive policy! (talking from experience here )

Ah yes, because you become liable for the full year's premiums if you have an accident, even if you cancel!