Bridging the insurance gap between cars

BeatMaster

BeatMaster

BeatMaster

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Joined
6 Dec 2002
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North East
Currently I drive a 54 plate Ford Focus Edge 1.6 which I'm insured through MoreThan. The policy runs out at the end of May and *touch wood* I'll be have 5 years NCB.

I'm looking to purchase a ~08+ plate Ford Focus ST-2 but the dilemma is how to bridge the gap between the cars including selling my current car. MoreThan won't insure me on my currently policy for the Focus ST which means I can't really sell my car prior to buying a Focus ST as I'm under the impression that I couldn't let the policy simply lapse without a car been insured. Similarly, I couldn't change the car to be my Mam's as you can't insure a car twice.

I could wait until after the renewal date and insure my current car with a specialist then it would be a case of advertise my car for sale and if I found an ST I would be able to add it to the policy with the NCB mirrored. Although I'm not sure if specialist insurers would insure a standard car?

My other option would be to use Admiral but I wouldn't be able to modify the ST. Another option would be to use a shorter term policy or try to sell within 14 days during the cooling off period?

Has anyone insured a normal car with a specialist or been in a similar situation? Similarly, I'm unfamiliar with short term insurers and cancelling within 14 days, anyone done this?

Any other suggestions welcome :)
 
[TW]Fox;18313072 said:
Why cant you modify the ST with Admiral?
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Some insurers won't let you modify certain cars if you are certain ages due to not meeting their "underwriting criteria".
 
Exactly as Iamzod said, with Admiral I'd have to keep the car standard :(

It's mainly a question of whether the likes of Chris Knott etc would insure a standard Ford Focus Edge as opposed to a performance modified car?
 
When I changed my car (funnily enough, to a Focus ST) i just stayed insured on my previous car, took out a new policy on the ST then cancelled the insurance on my previous car once it was sold a few weeks later (getting back pro rata, the days i had not used). Fortunately it was with the same company so they waved the cancellation/admin charge.

I did lose a few months towards an extra NCB year though doing it this way.
 
[TW]Fox;18313072 said:
Why cant you modify the ST with Admiral?
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They charge a fortune for adding mods, and don't cover certain things like intercoolers and even then they one replace with OEM parts in an accident you claim for.

I lost a year of my NCB by getting my ST early, didn't swap cars over on my policy as it would cost too much, so I just started a new policy with 1 NCB.
 
Jono8 said:
When I changed my car (funnily enough, to a Focus ST) i just stayed insured on my previous car, took out a new policy on the ST then cancelled the insurance on my previous car once it was sold a few weeks later (getting back pro rata, the days i had not used). Fortunately it was with the same company so they waved the cancellation/admin charge.

I did lose a few months towards an extra NCB year though doing it this way.
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Was hoping to try and do is so that I didn't lose any NCB's with only been a few months away... Which company did you go with on your Focus ST?

PMKeates said:
Insure any old car. They won't care as you'll never claim.
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That would mean buying a cheap old car as I wouldn't be able to insure my Mam's car due to not been able to insure the same car twice rule :(

Mucky_Pup said:
Doesn't matter anyway, you're too young to insure an ST with Chris Knott. 30 is the magic number.
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Damn. There's quite a few other companies though; Adrian Flux, Sky Insurance etc
 
Adrian Flux gave me a loltastic quote of £4999 this year, havent tried sky yet, my insurance is due in around 35 days, when it gets to around 29 days I'm going to start getting quotes and likely spending hours on the end of a telephone, only to be told stupid amounts of money, and told that they can't beat the cheapest quote I've got so far.
 
Quick Update

I spoke to someone who insured their car with Admiral in a similar situation, had a few weeks left on current policy but obviously didn't want to lose the years NCB. Phoned up Admiral, explained the situation and basically they'd honour an extra year NCB which would otherwise be lost by switching.

I'm in two minds about actually doing this, as for the sake of 2 weeks I'd have written confirmation of NCB entitlement *touch wood* but just thought it would be useful info. for anyone else in a similar situation :)
 
Find someone who will insure the ST, then insure your current Focus with them when your current policy expires. Sell that, change cars on the policy when you get the ST.

Simples.
 
try sky insurance or green light i got discount with them by using my FocusST OC membership, mine is modded and im only 29, pretty sure I also got quotes from chris knott as they advertise on the forums
 
SoliD said:
seems a bit mad, considering similar power and weights.
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Statistics and risk profiles - the Focus ST will appeal to a more immature style of driver by and large and I would feel confident betting that a higher proportion of them have ended up upside down in fields than the Mondeo.
 
SoliD said:
seems a bit mad, considering similar power and weights.
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They are completely different cars. The Focus ST is the quicker and more capable one that loves to be driven by hooligans.

Where as the Mondeo ST is a bit more civilised and wooly.
 
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