corsaaa_16v
Member
Registered: 8th Feb 06
User status: Offline
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I have a bit of a complicated question about insurance
I currently own a Mini Cooper S and am insured with NIG (I have DOV cover so can drive my car fully comp and any other car under "third party" cover
I am looking to sell my vehicle but the insurance policy I have is a special promotion policy for Minis only so I cant change to another vehicle as the main vehicle on the policy
I only have 2 months left on my policy so dont want to waste the 1 year NCB I will get at the end of this policy but the deal I have been offered on this other car is to good to pass up.
I cant afford to insure two vehicles (both high insurance groups for my age) so I was going to buy the other vehicle and own both until the Mini policy runs out.
Could I buy the new car and drive it home under my current policy on the DOV cover then just drive it occasionally on the DOV cover until my policy runs out on 15 November then sell my current car and get an individual policy for the new car. So in effect not insuring the new car on it's own but still being covered to drive it occasionally under DOV cover until my current policy runs out?
Thanks and sorry for the long winded thread 
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deano87
Member
Registered: 21st Oct 06
Location: Bedfordshire Drives: Ford Fiesta
User status: Offline
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Generally speaking the vehicle you're driving on DOV has to have insurance also, so I'm not sure.
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redtom
Member
Registered: 6th Oct 07
Location: Kent
User status: Offline
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to drive other cars legally the other car has to be insured and registered to somebody not yourself.
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Phillips_91
Member
Registered: 20th Jan 10
Location: Blackpool. Drives: Sapphire Black Mk4 Astra 1.8
User status: Offline
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Doesnt necesarrily have to be insured by somebody else but generally speaking cant be registered in your name... maybe register it in a family members name?
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corsaaa_16v
Member
Registered: 8th Feb 06
User status: Offline
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would it not be OK just for a month or are there insurance companies that provide short term cover for 1 month?
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deano87
Member
Registered: 21st Oct 06
Location: Bedfordshire Drives: Ford Fiesta
User status: Offline
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Short term cover is possible if you're over 25 normally.
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Jake
Member
Registered: 24th Jan 05
User status: Offline
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there are, have a look on tempcover.co.uk/com and a few others on google
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shaunmods
Premium Member
Registered: 12th Mar 07
Location: Glascote, Staffordshire
User status: Offline
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I'd imagine this sort of thing varies slightly depending on the company. Check the terms and conditions of your policy mate. That will tell you whether or not you can drive it 
[Edited on 12-09-2010 by shaunmods]
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Colin
Member
Registered: 4th Apr 02
User status: Offline
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Just wait 2 months its not long to wait?? If you miss out on the car there will be a better deal to be had, there always is!!
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AlexW
Member
Registered: 25th Oct 08
Location: Essex
User status: Offline
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Unless its a trade policy, 99% of the time the car has to be insured before you can drive it 3rd party.
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Toby
Premium Member
Registered: 29th Nov 05
User status: Offline
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Just insure the other car for the two months then cancel the policy
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LeeM
Member
Registered: 26th Sep 05
Location: Liverpool
User status: Offline
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It's a tricky one, a vehicle has to be insured to be used on a public highway. Technically the vehicle won't be insured only you will so you'll be driving legally but the vehicle could still be seized if u got pulled over.
Your policy will definately say you're only covered for third party damage as long as you aren't the registered keeper though
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