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Author Short term insurance on BMW M6
Lee H
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Registered: 15th May 06
Location: Manchester
User status: Offline
6th Mar 12 at 12:53   View User's Profile U2U Member Reply With Quote
Boss has offered to lend me his car while on holiday for 10 days but obviously wants it insuring properly rather than using the drive other vehicles part of my policy.

Tried a few temp cover sites and they don't like the car for some reason.

I'm 30 with a clean license and good occupation.

Any ideas anyone?
VrsTurbo
Premium Member

Registered: 8th Jun 10
User status: Offline
6th Mar 12 at 12:54   View Garage View User's Profile U2U Member Reply With Quote
just get a full policy then cancel it you'll loose around 45ish on a cancellation fee.
Jambo
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Registered: 8th Sep 01
Location: Maidenhead, Drives: VXR Arctic
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6th Mar 12 at 12:54   View User's Profile U2U Member Reply With Quote
Take out full years insurance, cancel within 14days they charge you a fee and that will be cheaper than temp ins
Jambo
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Registered: 8th Sep 01
Location: Maidenhead, Drives: VXR Arctic
User status: Offline
6th Mar 12 at 12:54   View User's Profile U2U Member Reply With Quote
Great minds
Jambo
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Registered: 8th Sep 01
Location: Maidenhead, Drives: VXR Arctic
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6th Mar 12 at 12:55   View User's Profile U2U Member Reply With Quote
Also Fucking jelly. I want an M6
pow
Premium Member

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Registered: 11th Sep 06
Location: Hazlemere, Buckinghamshire
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6th Mar 12 at 13:04   View Garage View User's Profile U2U Member Reply With Quote
He should be able to add you to his policy for 10 days
Tom
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Registered: 3rd Apr 02
Location: Wirral, Merseyside
User status: Offline
6th Mar 12 at 13:06   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by pow
He should be able to add you to his policy for 10 days


This. Ask him to call them up, you pay him the cost, simples.
Whittie
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Registered: 11th Aug 06
Location: North Wales Drives: BMW, Corsa & Fiat
User status: Offline
6th Mar 12 at 13:07   View User's Profile U2U Member Reply With Quote
Gorgeous car
Fad
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Registered: 1st Feb 01
Location: Dartford Kent Drives: 330cd
User status: Offline
6th Mar 12 at 13:07   View User's Profile U2U Member Reply With Quote
You cant actually insure a car thats already isured as it will come up on the MID database when you take out the cover.

As David says just get him to add you temporarily to his policy.
Lee H
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Registered: 15th May 06
Location: Manchester
User status: Offline
6th Mar 12 at 13:11   View User's Profile U2U Member Reply With Quote
If anything happens though he will have to claim on his insurance and think he wants to avoid that!
Sunz
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Registered: 12th Jan 07
Location: SE England
User status: Offline
6th Mar 12 at 13:23   View User's Profile U2U Member Reply With Quote
Some policies allow named drivers to get their own NCB, so any accidents or claims you make would only be in your name and not affect his insurance.
Lee H
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Registered: 15th May 06
Location: Manchester
User status: Offline
6th Mar 12 at 15:33   View User's Profile U2U Member Reply With Quote
That's put an end to that. My insurance won't cover it as its already insured. Can't start a new policy as its already insured and my no claims are on my car anyway.

Gutted is not the word!
Brett
Premium Member

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Registered: 16th Dec 02
Location: Manchester
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6th Mar 12 at 16:01   View Garage View User's Profile U2U Member Reply With Quote
Can't you do dayinsure? I insured a vehicle twice using that so I was fully comp rather than 3rd party. Not sure now if that was legit or not after what's been said tho.
Tomnova16
Premium Member

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Registered: 21st Jan 06
Location: Gerrards Cross Drives: Porsche 911
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6th Mar 12 at 16:03   View Garage View User's Profile U2U Member Reply With Quote
dress up like your boss

http://www.lemass.co.uk/ for all your automotive/bodyshop needs
Located in Chalfont st Peter
LeeM
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Registered: 26th Sep 05
Location: Liverpool
User status: Offline
6th Mar 12 at 16:29   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by Lee H
That's put an end to that. My insurance won't cover it as its already insured. Can't start a new policy as its already insured and my no claims are on my car anyway.

Gutted is not the word!


when you started a new quote did you tick yes when it asked if the car was already insured? if so just tick no.
richc
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Registered: 24th Mar 07
Location: Ilkeston
User status: Offline
6th Mar 12 at 16:31   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by LeeM
quote:
Originally posted by Lee H
That's put an end to that. My insurance won't cover it as its already insured. Can't start a new policy as its already insured and my no claims are on my car anyway.

Gutted is not the word!


when you started a new quote did you tick yes when it asked if the car was already insured? if so just tick no.


Im no angel when it comes to the following laws, but i wouldnt want to drive my boss' m6 and something happen to find you wasnt insured for some daft reason.
Lee H
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Registered: 15th May 06
Location: Manchester
User status: Offline
6th Mar 12 at 16:34   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by Brett
Can't you do dayinsure? I insured a vehicle twice using that so I was fully comp rather than 3rd party. Not sure now if that was legit or not after what's been said tho.


They won't cover this car for some reason.
VrsTurbo
Premium Member

Registered: 8th Jun 10
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6th Mar 12 at 16:38   View Garage View User's Profile U2U Member Reply With Quote
its not illegal to have two policys in force on a car anyway
Brett
Premium Member

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Registered: 16th Dec 02
Location: Manchester
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6th Mar 12 at 16:47   View Garage View User's Profile U2U Member Reply With Quote
quote:
Originally posted by Lee H
quote:
Originally posted by Brett
Can't you do dayinsure? I insured a vehicle twice using that so I was fully comp rather than 3rd party. Not sure now if that was legit or not after what's been said tho.


They won't cover this car for some reason.

To do with value usually, £50k limit on there isn't it or somethin.
Lee H
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Registered: 15th May 06
Location: Manchester
User status: Offline
6th Mar 12 at 16:50   View User's Profile U2U Member Reply With Quote
Yes, the car isn't worth that so ticked the box and it still doesn't like it. Even if I don't fill personal details in it just says that car can't be covered.
Twiggy
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Registered: 15th Oct 04
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6th Mar 12 at 17:15   View User's Profile U2U Member Reply With Quote
Love to see your bosses face when you stack it
richc
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Registered: 24th Mar 07
Location: Ilkeston
User status: Offline
6th Mar 12 at 17:16   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by VrsTurbo
its not illegal to have two policys in force on a car anyway


I thought it was
Corsa_Sport21
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Registered: 13th Apr 08
Location: Leven, Fife. Drives : 205 GTi
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6th Mar 12 at 17:42   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by richc
quote:
Originally posted by VrsTurbo
its not illegal to have two policys in force on a car anyway


I thought it was


It can be illegal.

LeeM might be able to confirm as i think he is in the insurance business.
John
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Registered: 30th Jun 03
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6th Mar 12 at 17:44   View User's Profile U2U Member Reply With Quote
It's not illegal but the don't like it.
Matt L
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Registered: 17th Apr 06
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6th Mar 12 at 19:32   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by VrsTurbo
its not illegal to have two policys in force on a car anyway


I hope not i have had 2 policys on the same car on a few occasions.

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