car insurance

sput the wonder pig

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Joined
25 Jul 2008
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1,810
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It was a fucking sweet shop...not a chippy
I want to give my car to an employee at wotk for 4 months till it goes back..

Most insurance companies will not do temp insurance and those that do are way to expensive...

Should i just tell her to take a year policy on DD then cancel after 4 months....

surely there are lots of circumstance where you need to sell your car etc and you cant have to pay the full year !!!

ANY ADVICE GUYS
 

Glenn Ponder

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7 Nov 2010
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192
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Valencia
Will you still be the owner? If so, you'll still have to be the policyholder so you might be best adding her on as a second or temporary driver.
 

daveduke67

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15 Apr 2010
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10,000
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RIP Sue & Sam.
If you add them as an additional driver you're taking a risk as a claim by them will go against your policy and affect future premiums. Don't be fooled by protected NCD - you may retain your 60% discount but it'll be 60% off an initial premium that is double the one you were quoted last year.

I'm not sure if she'd be able to insure a car that isn't registered in her name. You can sometimes add a temporary car for a short time - couple of weeks for a hire car or one you've borrowed or just bought for example. You'd also need to be confident that they'd pay the insurance and not miss a payment - if she's no insurance and it gets damaged, stolen or written off and you'll left with a potentially huge debt and possibly prosecution as it's your vehicle and you're responsible to make sure it's insured to drive on the road.

I took a loan out for a friend and she paid every month without fail. Until she was off work ill for three weeks and fell behind with everything as she didn't get paid. Luckily it wasn't a lot and it could cover it until she got back on her feet. Is there a chance your friend could end up like this? The first thing that'll go unpaid is the insurance on a car that isn't hers and that she can't afford to put petrol in.

I'm assuming you're on a lease purchase plan? Wouldn't you be better returning the car early and clearing the remaining payments.

Don't forget your insurance company may still charge you a full years premium as cancelling late into the policy can attract ridiculous fees. You'd also lose this years NCD - not a problem if you've got five or more but could be worth leaving it to run if you need to build them up.
 

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