Question for RUM or anybody - feel free to move this ..
12 February 2002, 09:10 AM
#1
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I'll cut to the chase .. me and my wife have had a little girl
(Hannah) now 14 days old.
There were complications before the birth and my wife has
suffererd a mild stroke (well sort of, it's not actually
been a stroke - too medical to explain)
.. she will
(according to neurologists) make a full recovery though
Anyhow, her car insurance is due. She also had a cesearean and wont be driving for at least 3 months. I have cancelled her car
insurance.
Her car needs taxed though soon. I may be using the car
occasionally to keep it running. She has no insurance -
we can't get it taxed - I can't use it?
What are the options? Continue her insurance to get it taxed?
Can I add her car to my policy for a wee while?
What's the cheapest option here?
Any help appreciated.
Doofus.
Oh feel free to move this to a more appropriate section, I thought
I may get more of a response here.
(Hannah) now 14 days old.
There were complications before the birth and my wife has
suffererd a mild stroke (well sort of, it's not actually
been a stroke - too medical to explain)
.. she will(according to neurologists) make a full recovery though
Anyhow, her car insurance is due. She also had a cesearean and wont be driving for at least 3 months. I have cancelled her car
insurance.
Her car needs taxed though soon. I may be using the car
occasionally to keep it running. She has no insurance -
we can't get it taxed - I can't use it?
What are the options? Continue her insurance to get it taxed?
Can I add her car to my policy for a wee while?
What's the cheapest option here?
Any help appreciated.
Doofus.
Oh feel free to move this to a more appropriate section, I thought
I may get more of a response here.
12 February 2002, 10:02 AM
#3
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Doofus, congratulations to you and yours! I wish your wife a speedy recovery, and am chuffed that everything's ok.
Just to let you know you may not get a response from Rum as he's otherwise engaged at the moment. I know BlowDog was in a similar situation and that you need the car to be insured in its own right (ie not use the third party extension of your insurance).
You may want to speak to your existing broker, or give John or Dean a call at Schofield Insurance as I'm sure they'd be able to give good qualified advice! (0113 250 0377)
All the best to all,
Nick.
Just to let you know you may not get a response from Rum as he's otherwise engaged at the moment. I know BlowDog was in a similar situation and that you need the car to be insured in its own right (ie not use the third party extension of your insurance).
You may want to speak to your existing broker, or give John or Dean a call at Schofield Insurance as I'm sure they'd be able to give good qualified advice! (0113 250 0377)
All the best to all,
Nick.
12 February 2002, 10:03 AM
#4
Doof
I'm not in the industry but as Rum is not around untill 18th, here is my uninformed list of marginally legal options for your consideration.
If you are genuinely just running it round the block sod the tax and take a gamble that nothing happens. Many of us must have test driven unlicensed cars when purchasing privatley.
If you have not yet cancelled the policy, or still retain the documents. Return the excise licence, claim a refund and then re tax for twelve months.
Have you checked if the insurer will "freeze" the policy? We did that a few years ago during a rebuild.
As a second car, presumably with a lower premium than the Scoob, is there a tangible saving after the cancellation and admin charges have been levied? Also if she was feeling up to it your wife or a friend could take the car out.
What is the value of the car? Are you prepared to risk damage or theft during the uninsured period?
Under the Consumer Credit Act any agreement signed at home allows a 14 day cooling off period. Insure the car in your name using a monthly installment plan, apply for tax using the cover note & cancel after a few days. BUT don't rely on me, double double check CCC Act applies!
I'm not in the industry but as Rum is not around untill 18th, here is my uninformed list of marginally legal options for your consideration.
If you are genuinely just running it round the block sod the tax and take a gamble that nothing happens. Many of us must have test driven unlicensed cars when purchasing privatley.
If you have not yet cancelled the policy, or still retain the documents. Return the excise licence, claim a refund and then re tax for twelve months.
Have you checked if the insurer will "freeze" the policy? We did that a few years ago during a rebuild.
As a second car, presumably with a lower premium than the Scoob, is there a tangible saving after the cancellation and admin charges have been levied? Also if she was feeling up to it your wife or a friend could take the car out.
What is the value of the car? Are you prepared to risk damage or theft during the uninsured period?
Under the Consumer Credit Act any agreement signed at home allows a 14 day cooling off period. Insure the car in your name using a monthly installment plan, apply for tax using the cover note & cancel after a few days. BUT don't rely on me, double double check CCC Act applies!
12 February 2002, 11:04 AM
#5
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Thanks for all your help!
Car is insured until 19th Feb. Tax is due 31st Feb. I think we may just reinstate the policy. My wife hopes to be driving in about 3 months time so it may be worthwhile just for this (and to save any hassle).
I had spoken about freezing the policy (Churchill) but they said that there was no policy for this sort of thing?
Here's hoping she out and about hooning around before too long.
Oh her car is Japanese, switchable rear wheel drive/4WD, 5 speed box and is a soft top .. sounds good eh .. any ideas?
Doofus.
Car is insured until 19th Feb. Tax is due 31st Feb. I think we may just reinstate the policy. My wife hopes to be driving in about 3 months time so it may be worthwhile just for this (and to save any hassle).
I had spoken about freezing the policy (Churchill) but they said that there was no policy for this sort of thing?
Here's hoping she out and about hooning around before too long.
Oh her car is Japanese, switchable rear wheel drive/4WD, 5 speed box and is a soft top .. sounds good eh .. any ideas?
Doofus.
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12 February 2002, 12:09 PM
#8
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My missus was driving 5-weeks after a C-Section.
Basic requirement is ability to press the middle pedal hard enough....which she could!
Call your GP....they check you out....if GP is happy you tell Insurance....and then they are happy. Eutopia!
Other option of course is to carry older siblings whilst pushing "new sprog" in the pram.....that'll get you fully recovered much faster eh?
Basic requirement is ability to press the middle pedal hard enough....which she could!
Call your GP....they check you out....if GP is happy you tell Insurance....and then they are happy. Eutopia!
Other option of course is to carry older siblings whilst pushing "new sprog" in the pram.....that'll get you fully recovered much faster eh?
12 February 2002, 12:35 PM
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Probably the cheapest way to do it would be to renew the insurance on the car( laid up fire and theft is possible if you are not going to use it, not sure about starting a new policy like this though.) and not tax it. Just turn it over for ten minutes or so every week.
The other option is to let the insurance lapse, and add the car to your own policy as a temporary additional vehicle for up to three months, get the tax that way, get the Proof of no claims letter off the insurers, and use this to start a policy again when your wife starts driving.
You would need to check that her car is covered for theft etc on your policy.
nym
The other option is to let the insurance lapse, and add the car to your own policy as a temporary additional vehicle for up to three months, get the tax that way, get the Proof of no claims letter off the insurers, and use this to start a policy again when your wife starts driving.
You would need to check that her car is covered for theft etc on your policy.
nym
12 February 2002, 12:51 PM
#10
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Have phoned insurance company .. it's a bit trickier than I thought .. because what she had has been classed as a mild stroke she has to inform the DVLA.
They need to get access to her notes from her consultant to show that she will be fit to drive once recovered (from cesearean and stroke!). The insurance company will not renew the policy until this has been done.
Result - we have cancelled the policy for just now and I will run it around the block, up and down the drive to keep it ticking over.
No tax though .. oh well.
Oh, good guess Dream Weaver, it's a Jimny with side bars and A-bar and she absolutely loves it too bits
Thanks for all your help.
Doofus.
They need to get access to her notes from her consultant to show that she will be fit to drive once recovered (from cesearean and stroke!). The insurance company will not renew the policy until this has been done.
Result - we have cancelled the policy for just now and I will run it around the block, up and down the drive to keep it ticking over.
No tax though .. oh well.
Oh, good guess Dream Weaver, it's a Jimny with side bars and A-bar and she absolutely loves it too bits
Thanks for all your help.
Doofus.
02 December 2002, 12:32 PM
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I may be 100% wrong on this but I think you'll need to read your insurance docs before you consider what to do. I know most policies when they cover you third party on another car only do so if that other car is insured. If you are going to drive it round then you need to insure it.
[edited to say congrats - you'll be too busy playing with the sprog and running around after missus to drive anyway :-) ]
[Edited by LanCat - 2/12/2002 12:35:33 PM]
[edited to say congrats - you'll be too busy playing with the sprog and running around after missus to drive anyway :-) ]
[Edited by LanCat - 2/12/2002 12:35:33 PM]
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