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Cover to pick a car up

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Old 16 February 2014, 12:22 PM
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donny andi
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Default Cover to pick a car up

Can't find anything on my policy to see if I'm covered to go pick a car up using my policy...
Anyone know if it's still the same as in I'm fully comp can I go grab another car (for the missis) on a third party bit?
Just googled those 1 day covers and it's nearly £50
Old 16 February 2014, 12:30 PM
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To drive it the car would have to be insured in the owners name.

Just because you're fully comp doesn't mean you'll be covered. My last policy excluded driving other cars.
Old 16 February 2014, 12:36 PM
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Originally Posted by Rescue Dude
To drive it the car would have to be insured in the owners name.

Just because you're fully comp doesn't mean you'll be covered. My last policy excluded driving other cars.
Yeah that's what I thought...3 foooookin policies running and I'm still getting bummed into a 24hr policy.
Old 16 February 2014, 12:53 PM
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Is the car from dealer (they sometimes have a free 7 day insurance)
Or is it private (if it's still insured on owner, tell them to keep it active for the day you bring it home then you can drive it 3rd party if your fully comp)

Other option is to take out a fresh policy or change it over from your wife's original policy when bringing it home.

Or if you have a trailer.

Last edited by bustaMOVEs; 16 February 2014 at 12:54 PM.
Old 16 February 2014, 12:57 PM
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Originally Posted by bustaMOVEs
Is the car from dealer (they sometimes have a free 7 day insurance)
Or is it private (if it's still insured on owner, tell them to keep it active for the day you bring it home then you can drive it 3rd party if your fully comp)

Other option is to take out a fresh policy or change it over from your wife's original policy when bringing it home.

Or if you have a trailer.
Busta....that's the bit that's getting me.
Fully comp on evo 9 , 3rd party on a transit, 3rd party on my lasses corsa.
All I want to do is go grab her a Cooper s without being done for no insurance.
Cooper is still in daily use so I assume there policy is still active
Old 16 February 2014, 01:39 PM
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Originally Posted by donny andi
Busta....that's the bit that's getting me.
Fully comp on evo 9 , 3rd party on a transit, 3rd party on my lasses corsa.
All I want to do is go grab her a Cooper s without being done for no insurance.
Cooper is still in daily use so I assume there policy is still active
It's not how it works, the car you are driving (not yours) has to be registered in someone's name all legal to drive inc ins, mot and taxed then you can drive that car on your policy with permission of owner.

A car that has no insurance or what ever, you are not legal to drive on your policy.

As said above, ask the cooper owner if it's all legal to drive (ins, tax,mot) then ask if they would mind keeping their policy active for the drive home.
You can check ins database, askmid.com

Last edited by bustaMOVEs; 16 February 2014 at 01:41 PM.
Old 16 February 2014, 01:44 PM
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You are going to insure it anyway for your wife so what's the reason you can't for drive home?
Old 16 February 2014, 02:13 PM
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Originally Posted by bustaMOVEs
You are going to insure it anyway for your wife so what's the reason you can't for drive home?
Not open on Sunday and I'm pi55ed if I'm paying for a 4th policy, it can wait
Old 16 February 2014, 03:35 PM
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Then ask owner to drive it home, if its insured by them then they cant exactly cancel until monday.
Go to askmid.com and see if its covered atm then just drive home
Old 16 February 2014, 04:50 PM
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Found a policy out...just , yep covered to drive any other that isn't mine or hired to me.
3 hr+ drive down there so it can wait now!
Old 16 February 2014, 07:56 PM
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Originally Posted by donny andi
Found a policy out...just , yep covered to drive any other that isn't mine or hired to me.
3 hr+ drive down there so it can wait now!
But the other car has to be fully road legal (ins,tax,mot) unless you have a tradex account.
Old 16 February 2014, 09:09 PM
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Originally Posted by bustaMOVEs
But the other car has to be fully road legal (ins,tax,mot) unless you have a tradex account.
It is....it's there daily drive at the mo
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