UK only!! Car insurance whilst buying a used car?
Answers:
When you are buying the car, ring up for a quote and get a reference number. If you buy the car, ring again and make the payments etc and you will be covered straight away if you ask. You will not obviously have the cover note until they send it though so you will need to make sure that the garage taxes it for you in their name first.
YOU CANNOT GET ONE UNTIL YOU BUY A CAR
BECAUSE YOU DO NOT KNOW WHAT YOU ARE GOING TO INSURE
Easiest solution is to take someone with you who has fully comp insurance themselves. They are then insured for any car 3rd party (usually), so get them to drive it home for you.
.Go on to uswitch.com for a quote of the sort of car u want.
Then when you come to buy it phone the insurance company who gave u the best quote, they Will insure it there and then and you Will get the policy document through in the next few days.
U are insured there and then to drive the vehicle home as long as it is taxed and tested.
A good tip is to get the vehicle reg as most insurance company's can give a accurate quote based on this now
You could do what I did, I drove the car home without insurance.
Was pretty scars as it was my first car but a while since I passed my test so I suppose I should't have done it really but too late for that now.
You will need to get cover before you drive it away - the insurance companies will cover you immediately though so if you find one you like you can just ring them and debit your card and that's acceptable.
If you have time I recommend confused.com when you know what you're going to buy - it's fab!
You have a problem. Only folk with Motor traders Insurance can just buy a car and drive it home and even they are usually restricted to a certain maximum value.
As an uninsured private citizen you are going to need some ball park insurance quotes, hard to come by these days as companies need exaxct details, registration number, chassis number ,sometimes, even before they give a quote.
When you know the likely cost of insurance on your target models, hunt one down. there is no way the owners insurance will cover you for a test drive, so dont drive it.
If you like it pay a holding deposit, arrange to pay the balance when you collect it, take all the details and sort the insurance, Only when you have the insurance cover note in your hand go and pay for the car and drive it home.
Legally you must physically have the cover note in your posession, if you are to be covered, "its in the post," aint good enough
A friend bought a Kawasaki 1000 on a Saturday paid cash rode it home, he intended to get Insurance first thing Monday but could not because while riding it on the Sunday he hit a car while doing 100 mph and put himself in hospital.
No insurance is 8 points and a fine, so dont drive without insurance.
Jot down the number of an insurer - you can insure it over the phone when you get there - Shouldn't take more than 15 minutes.
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