Cheap one day car insurance ???

mercutio · Post by **mercutio** » Sun Mar 23, 2014 9:55 am

yeah but that sort of thing is recorded

89 UKDM BA4 4WS (resto job!) · Post by **wurlycorner** » Sun Mar 23, 2014 10:27 am

Shiny, I find very few insurers do temporary additional vehicles these days. That always used to be my route too, but it sucks these days.

Tempcover and sky do short term (incl. one day) policies.

'92 Si VTEC · Post by **jjmartin349571** » Sun Mar 23, 2014 10:47 am

Admiral do temp cover on existing policies, I completely forgot about that

it cost £17.50 for a week's cover under my policy on the Accord when I first got Laura's Civic

89 UKDM BA4 4WS (resto job!) · Post by **wurlycorner** » Sun Mar 23, 2014 10:49 am

Do they? Oh cool, will remember that... I have my lude and porka (need to change that now

on multicar with them)

106pete · Post by **106pete** » Sun Mar 23, 2014 11:03 am

mercutio wrote:yeah but that sort of thing is recorded

It maybe but if it only happens a couple times over long periods they can't do a lot.

Nothing's ever been said when I've done it. Covered me once for a complete trip to the ring in a friends car to share the driving lol

mart609 · Post by **mart609** » Sun Mar 23, 2014 11:15 am

1 day insurance is a PITA on imports. they don't want to know.

I tried to get 1 day on a SM-X before because I needed to drive it back for a friend.
Wouldn't touch it.

Shiny · Post by **Shiny** » Sun Mar 23, 2014 11:41 am

106pete wrote:You know you can insure a car fully then just cancel it within 14 days and it'll only cost you £25?

Er no.

Let's assume the premium is £500, 14 days pro rata will be circa a £20 time on risk charge. Without NCB the premium is likely to be more like £1000 though, so 14 days will be more like £40.

Then there could be the insurers admin fee of £25, plus the agent/broker's "reasonable" fee of £25 to £50 depending on the TOBA.

So the end result could well be £100+ by trying it on with the cooling off period.

Shiny · Post by **Shiny** » Sun Mar 23, 2014 11:45 am

106pete wrote:
mercutio wrote:yeah but that sort of thing is recorded
It maybe but if it only happens a couple times over long periods they can't do a lot.

Nothing's ever been said when I've done it. Covered me once for a complete trip to the ring in a friends car to share the driving lol

You took out dual annual insurance on a car you didn't own? Oh dear, good job you didn't crash it. What did you answer when it came to the ownership and registered keeper questions?

Shiny · Post by **Shiny** » Sun Mar 23, 2014 11:47 am

wurlycorner wrote:Shiny, I find very few insurers do temporary additional vehicles these days. That always used to be my route too, but it sucks these days.

Tempcover and sky do short term (incl. one day) policies.

Most insurers will still cover temporary additions if you own the car. It is just the cheap online jobbies that are usually restrictive as they are automated with no human intervention.

89 UKDM BA4 4WS (resto job!) · Post by **wurlycorner** » Sun Mar 23, 2014 7:08 pm

I haven't been with any cheap online only jobbers, that's with big main stream insurers when I've rung them up. And that includes for cars that I owned too!