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General => Insurance => Topic started by: Shady Pioneer on 02 July 2010, 14:43

Title: If I don't have a car and there's a couple of weeks left on insurance...
Post by: Shady Pioneer on 02 July 2010, 14:43
As some may know my car will be getting scrapped at the end of this month. I am looking for a replacement but wanted to know something. My insurers made me pay a certain amount for my deposit and told me they'd use that for my last two months (which they are).

My last payment would be due  mid-July, but this is already paid for, my car is going at the end of the month to the scrapyard. This means I will be carless for about two weeks whilst insurance is still running on it.

Two things really:

1. Is this going to cause a problem? If I remain carless until my insurance runs out will this matter?

2. If I do manage to get a replacement car before the insurance ends, what will I have to do? I don't want to cancel the policy as that'll  be pointless.
Title: Re: If I don't have a car and there's a couple of weeks left on insurance...
Post by: AlanD on 02 July 2010, 14:54
I don't know this for fact, but common sense must provale here.

I think as long as they are getting paid by you to insure the car, I dont think they give a sh!t if its at the bottom of the sea, as long as you pay them.

As for a replacement car I cant see why it would be a problem for you have two policys ? ?
Title: Re: If I don't have a car and there's a couple of weeks left on insurance...
Post by: jv on 02 July 2010, 14:56
^ unless you need the policy to complete in order to have another year no-claims.
Title: Re: If I don't have a car and there's a couple of weeks left on insurance...
Post by: Shady Pioneer on 02 July 2010, 15:03
^ unless you need the policy to complete in order to have another year no-claims.

Yeah this is my only problem, as I will have 2 NCB when this policy finishes in August. Mind you in saying that the quotes I've been getting have been for 1 NCB, so I could always use the 1 as having 2 actually made no difference for me.
Title: Re: If I don't have a car and there's a couple of weeks left on insurance...
Post by: jv on 02 July 2010, 15:08
can't actually use no-claims on more than one policy at a time, so technically it would not be valid :tongue:
Title: Re: If I don't have a car and there's a couple of weeks left on insurance...
Post by: AlanD on 02 July 2010, 15:09
Use public transport for 2 weeks? Wait 2 weeks to scrap the car?
Title: Re: If I don't have a car and there's a couple of weeks left on insurance...
Post by: Wayne on 02 July 2010, 21:47
As some may know my car will be getting scrapped at the end of this month. I am looking for a replacement but wanted to know something. My insurers made me pay a certain amount for my deposit and told me they'd use that for my last two months (which they are).

My last payment would be due  mid-July, but this is already paid for, my car is going at the end of the month to the scrapyard. This means I will be carless for about two weeks whilst insurance is still running on it.

Two things really:

1. Is this going to cause a problem? If I remain carless until my insurance runs out will this matter?

2. If I do manage to get a replacement car before the insurance ends, what will I have to do? I don't want to cancel the policy as that'll  be pointless.

1) no problems really.

2) will they not insure your replacment car if not and you start another policy you will lose a years no claims
Title: Re: If I don't have a car and there's a couple of weeks left on insurance...
Post by: archie837 on 05 July 2010, 20:06
As above really. I left my bike insurance running to get another ncb even though I sold the bike a while before it ended. But yeah can't you get them to swap the policy to your new car for an admin fee?
Title: Re: If I don't have a car and there's a couple of weeks left on insurance...
Post by: 2001gti4 on 06 July 2010, 10:01
As above really. I left my bike insurance running to get another ncb even though I sold the bike a while before it ended. But yeah can't you get them to swap the policy to your new car for an admin fee?

If you do this one just don't tell 'em it's sold/scrapped. I sold my bike, left the policy running to get NCB and only told 'em I'd sold it after they tried to charge me £25 to change address. They then tried to stiff me for £30 for cancelling the policy, even though premium had been paid in full on purchase....
Title: Re: If I don't have a car and there's a couple of weeks left on insurance...
Post by: mboon on 06 July 2010, 16:23
off topic, why you scraping it... seen it around and it looks tidy?

as for insurance, dont cancel etc as its a waste, just pay it and leave it.
Start a new policy after this one has run out, that way you free up your first year and can use the second year too.

No claims is just a piss take now anyway, used to be 1 year = 10% off, call them and get a price with out no claims, then tell them you have two years and expect 20% off the price, bet you dont get it lol
Title: Re: If I don't have a car and there's a couple of weeks left on insurance...
Post by: Shady Pioneer on 06 July 2010, 16:32
It's too far gone matey. It's going to cost as much to fix as it would be a new car, and at least I'll get a GTi next.

I'm going to ring my insurance company and see what they say, if they will insure me for two weeks but if it's stupid money then they can sod off.
Title: Re: If I don't have a car and there's a couple of weeks left on insurance...
Post by: mboon on 06 July 2010, 17:41
You going for a MK3 GTi?
Title: Re: If I don't have a car and there's a couple of weeks left on insurance...
Post by: Shady Pioneer on 06 July 2010, 17:48
You going for a MK3 GTi?

Quite possibly yes.
Title: Re: If I don't have a car and there's a couple of weeks left on insurance...
Post by: Shady Pioneer on 07 July 2010, 16:29
I just rang Adrian Flux and it's going to cost me £261 to insure a 16v from now until my policy ends. I don't bloody think so.

Now I need to make a decision on what to do with new insurers. Admiral are saying:

- £871 with mods, and 0 NCB.
- £771 with mods, and 1 NCB.
- £736 with mods, and 2 NCB.

Now I'm stumped, because I can't tell Admiral I've got 2 NCB when I'm using 1 with Adrian Flux, and 1 I haven't officially received yet, and I can't tell them I've got one for the previous reasons explained. But I don't want to pay £100 more either. What do I do?
Title: Re: If I don't have a car and there's a couple of weeks left on insurance...
Post by: JC on 07 July 2010, 16:32
delay scrapping the car  ( or at least sending the log book off scrap ) til your insurance is up .

be carless til the renewal is up

simples
Title: Re: If I don't have a car and there's a couple of weeks left on insurance...
Post by: Shady Pioneer on 07 July 2010, 16:34
delay scrapping the car  ( or at least sending the log book off scrap ) til your insurance is up .

be carless til the renewal is up

simples

Car will have to go 31st July as that's when tax is due.

I can't be carless as I'll be living in 15 miles away from my new job when the car goes. I will need to drive.

 :undecided:
Title: Re: If I don't have a car and there's a couple of weeks left on insurance...
Post by: Wayne on 07 July 2010, 20:39
You can still use your 1 years no claim but you will need to cancel your policy, you then lose the new year you are earning now.

I hope this make sense
Title: Re: If I don't have a car and there's a couple of weeks left on insurance...
Post by: archie837 on 07 July 2010, 21:24
As above - if the difference of another years ncb is £40 it might not be worth the hassle of trying to save it
Title: Re: If I don't have a car and there's a couple of weeks left on insurance...
Post by: danny_p on 19 July 2010, 17:28
explain situation to new insurer.

they will probly give you the discount anyway
Title: Re: If I don't have a car and there's a couple of weeks left on insurance...
Post by: Shady Pioneer on 19 July 2010, 18:19
explain situation to new insurer.

they will probly give you the discount anyway

New insurer knew I had another policy going (my GL) when I took out the new policy on the GTi. I explained the GL was being scrapped on Monday and that's when I was canceling the GL's policy which they were fine with.

Unfortunately Adrian Flux have shafted me, I rang them up to cancel the policy but explained the car was scrapped. I had a month left on my policy which was paid for by my deposit, however they wouldn't entitle me to my NCB that was only a month away. They said that they can only run the policy for 2 weeks after a car is scrapped, so I was 2 weeks off another NCB.

:(

Should I kick up a fuss about it? I did cancel Monday last week so it's a week on but would I get anywhere? I do think it's extremely unfair that I drove for 11 months and won't get anything out of it.
Title: Re: If I don't have a car and there's a couple of weeks left on insurance...
Post by: 2001gti4 on 21 July 2010, 09:08
I'm not an insurance expert but I imagine their reponse will be "11 months isn't a year therefore no no-claims"
It's always worth pushing a bit but sometimes you have to realise you're just wasting your breath. Good luck with it!
Title: Re: If I don't have a car and there's a couple of weeks left on insurance...
Post by: MrBounce on 23 July 2010, 21:31
I would go hell for leather to try and get this sorted. It should be common sense for them to just let it go. I know 50 weeks is not 52 but it's not like they're losing money. I would ask to speak to the underwriters - they're probably not letting you have it because Bob had a bad Monday. Try sorting it mid-week or even on a pay-day when everyone's gearing up to go to the pub after work. You'll be amazed at the difference it can make...  :laugh:
Title: Re: If I don't have a car and there's a couple of weeks left on insurance...
Post by: JC on 24 July 2010, 05:36
doubt they will be interested in anyway shape of form. 

they have bent you over right royally and  shoved one up you dry - but all within the terms and conditions of your policy,

me, i would have kept  :lipsrsealed: about scrapping it til policy expired.

 i insured a log book for 3 years to keep my bike insurance going  :evil: - the ped itself had long since met its maker  :grin:
Title: Re: If I don't have a car and there's a couple of weeks left on insurance...
Post by: Shady Pioneer on 28 July 2010, 16:20
Well it's better than nothing which is what they were first doing, they are going to provide me with 11 months no claims which will at least count as a year to Admiral.
Title: Re: If I don't have a car and there's a couple of weeks left on insurance...
Post by: sharki786 on 29 July 2010, 00:29
phone em up and say that you will be scrapping your car if they say you said in two weeks, you say eh? act dumb trust me it bladdy works!  :lipsrsealed:
Title: Re: If I don't have a car and there's a couple of weeks left on insurance...
Post by: Wayne on 29 July 2010, 08:34
Well it's better than nothing which is what they were first doing, they are going to provide me with 11 months no claims which will at least count as a year to Admiral.

Not a bad result then :afro: