GolfGTIforum.co.uk
Model specific boards => Golf mk7 => Topic started by: mk7gti on 04 September 2013, 20:00
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Hi guys just a quick FYI.
I was arranging the transfer of my car insurance for my new GTI tonight and I happened to mention to the very helpful direct line representative that VW will be providing me with complementary seven day insurance. I asked him if there is any issue if I have an overlap of policy cover on the new vehicle. He informed me its illegal to have two policies on the same car. A to prevent fraud and B because and neither party will want to pay out in the case of an accident. I have to say it makes perfect sense. The post is just a quick FYI so no one gets caught out when making use of the free service :smiley:
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There is wording in the policy that amounts to an annual policy superceding the 7 day complimentary policy for responsibility in the event of a claim with coverage overlap.
The 7 day policy is purely to facilitate easy taxing of the car, not having to bother obtainig proof of insurance before you drive off with your new car, and allow VW insurance to get it's foot in the door to offer you an annual policy (never been competitive for me).
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As MH has said it's purely for taxing the car really.
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This insurance is and should only be used so your dealer can tax the car. It saves you having to insure and get the cover note to the dealer before you pick up the car etc.
Anybody stupid enough to use this as 'free 7 days insurance' with £1000 excess etc, is well, stupid.
Also the small print in the cover allows for overlapping policies.
Ps. It's also so they can get your phone number to pester you with future policies
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Great info guys thanks for the heads up...
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Yeah, I took them up on the free 7 day thing purely for getting the car sorted on time. I asked them and my new policy provider about overlapping the policies, and why, and they had no issues. VW has a stupid excess, do NOT protect your no claims during that 7 day period, and their annual premium was more than double what I am paying now.
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Surely their trade policy will cover taxing a vehicle? Or they are screwed when selling used motors?
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It's just another way to get money off you. They don't do anything if unless they can see a way of it somehow resulting in them getting more money off you eventually. Including for example the holiday vouchers someone was posting about earlier as alleged compensation. :rolleyes: best you can hope for is there is a temporary aligning of objectives and so you can get something you need from them, as is the case with the seven day policy.
Sorry to be cynical.
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Just to end this the 7 day free insurance is free, costs nothing and is FREE. It is primarily used for quickly taxing new vehicles as any garage will not let you leave the premises if you are uninsured. what you do once you leave the garage is of no concern to them. as far as they are concerned when you left them you were insured. The same concept applies to used cars. They will not let you leave the premises driving your car unless you are insured.
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Wow Bear, you really do have it in for VW don't ya'?! BMW aren't all angels and roses you know, having known a few people with their cars.
I know it's been said, but the fact is, a car cannot be taxed in a customers name unless there is a valid insurance policy running that covers them. So, they offer FREE 7 day insurance to facilitate this process... Not sure what it has to do with holiday vouchers :rolleyes:
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Surely their trade policy will cover taxing a vehicle? Or they are screwed when selling used motors?
You have to have insurance specific to the car's reg (not a we cover all blanket policy for the dealership) to tax the vehicle, you can't tax the vehicle without it. In the past you had to have the reg number off the dealer, contact your insurer to get a temporary cover starting the day before you got your car and then get that cover note to your dealer as proof of insurance, all so they could tax your car and be sure that you weren't driving off in an uninsured car. 7 day VW insurance cover note does away with all the hassle.
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I've used the 7 days free insurance twice. I rarely px my old cars, so having 7 days cover on the new car means that I can still retain the policy on my old car and legally drive it round until the new owner comes to collect it.
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Wow Bear, you really do have it in for VW don't ya'?! BMW aren't all angels and roses you know, having known a few people with their cars.
I know it's been said, but the fact is, a car cannot be taxed in a customers name unless there is a valid insurance policy running that covers them. So, they offer FREE 7 day insurance to facilitate this process... Not sure what it has to do with holiday vouchers :rolleyes:
They are offering it in order to try to sell you stuff. I never said BMW didn't do the same, actually I implied that all companies, car or otherwise do the same. Or do you really think they do it just to be "nice"? They are not a charity, they are in the business of making money, thats all there is to it.
I took the 7 day free on my last car, this time around I'll arrange my own to avoid the sales calls that follow and the high excess they give you.
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I agree with Bear, they're only doing it to get the foot in the door (although I take the point that it means they can tax the car and get it ready for you to drive away).
Personally, I always arrange my own insurance to start from 9am the day I am picking the car up. Then its done and you don't need to worry about various policies. 7 free days is neither here nor there.
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You dont use the 7 free days as an insurance policy its only used to TAX YOUR CAR! Your own policy starts from the day you pick your car up but the FREE 7 DAYS is to tax your new car. Stop reading more into these things that what they actually are. Ive used the 7 day free insurance on the last 3 vw's ive bought with no call backs after, ever. FFS i wish my car would hurry up and come :grin:
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They are offering it in order to try to sell you stuff. I never said BMW didn't do the same, actually I implied that all companies, car or otherwise do the same. Or do you really think they do it just to be "nice"? They are not a charity, they are in the business of making money, thats all there is to it.
I took the 7 day free on my last car, this time around I'll arrange my own to avoid the sales calls that follow and the high excess they give you.
One day Bear, maybe, just maybe your glass will be half full.
Do you really think I'm not aware of the obvious? Yes, of course they are a business where the aim is to make money. Yes, of course they offer services with the hope of securing future custom. My point is, so what? If them offering 7 days free insurance allows them to tax it with no issues, and gives you a bit of breathing room to sort out your old policy and find the best deal going forwards, what does it matter? For most people it's less hassle, regardless of their economical reasons.
At the end of the day it's a free service that you can either taken them up on, or not. If you do, you can then choose to accept their annual premium, or not. I swear that some people would not accept a free £10 note for fear of conspiracy. For those that do use the service to help facilitate taxing your car (because that's what it's there for) you can opt out of all future sales and marketing contact so you don't get calls, e-mails, and post, speaking from experience rather than assumption.