Insurance Need advice: Insurance for old car and new one

Dave 8o] · 22nd January 2008, 12:52

Hi

I need a bit of advice regarding insurance and Road Tax on my old car when I trade it in for my new Civic.

When I bought my current car, I didn't have one to trade in, so the car tax and insurance started on the 1st March, this time when I pick my Civic up (again on the 1st of March) the tax and insurance will have run out on my current car. I'm trying to figure out how I can take my old car into the dealers on the 1st March and pickup my new Civic.

I could tax my old car for six months, and take out the tax disc to get a refund for the remaining 5 months, but what about the insurance. Do insurance companies offer really short term policies for this sort of occurance?

Would I be better off taking the car to the dealers on the last day of February? (Oh s**t that would mean catching a bus home

)

Sporran · 22nd January 2008, 13:00

if the dealer was any good, explain the position im sure they could give you a couresy car the day before as you are part exing.

If you want you car tax from 1st march, they are not allowed and you are no allowed to drive it on the road from 1st march.

sallytraffic · 22nd January 2008, 16:12

Quote:

Originally Posted by Dave 8o]

Hi

I...

to the dealers on the last day of February? (Oh s**t that would mean catching a bus home

)

Depends how far you live from the dealer. Have you a friend who would help out or does the dealer have someone going your direction at the end of the day ? May be worth asking them. Certainly, you need to take it the last day of February to avoid expense or potential problems.

ritchie_perriam · 22nd January 2008, 16:44

im with admiral and they just did me a weeks insurance fully comp for 17 quid or tpft for £11 and that was on my 2.2 prelude (group 17) and im 22 so im sure you could get insured for next to nothing. just ring your insurance company!

personally i wouldnt worry about tax really. in the rare chance you actually got caught im sure you would be let off if its only 1 day out! but thats only my opinion if you dont want to risk it drop it off before it runs out

dave525 · 22nd January 2008, 17:03

I drove my part exchange to the garage without tax, as above comment, if you did get stopped I would think the police would use their discression. As for insurance, have a word with yoyr insurance company, if you are using the same company to insure the Civic they will probably extend your old insurance for little or no cost

Selwoc · 22nd January 2008, 17:19

I don't think it is very wise to drive without road tax, even if you are insured. In the event that you were involved in an accident of any sort, I'm sure your insurer would not pay out if they found that you were driving illegally with no tax.

Jack The Lad. · 22nd January 2008, 19:25

Ask the dealer to pick it up on Trade Plates, from your home.
Mine did. :- Tis Business.

illegalhunter · 28th January 2008, 04:21

I wouldnt Tax it , as for the insurance you could take a wee chance

JoeyF · 28th January 2008, 07:50

I would take your own advice on the Tax, as for the insurance I would give them a call, when I did a similiar sort of thing my insurance extended it for a day to cover the days gap for free, I think mainly because I insured my new car with them as well.

Don't drive the car without tax or insurance not even for one day, it's not worth the risk for something that will cost so little.

22nd January 2008, 12:52	#1 (permalink)
Dave 8o] Valve Cap Join Date: 29th December 2007 Location: Leeds Posts: 35 Thanks: 0 Thanked 0 Times in 0 Posts	Need advice: Insurance for old car and new one Hi I need a bit of advice regarding insurance and Road Tax on my old car when I trade it in for my new Civic. When I bought my current car, I didn't have one to trade in, so the car tax and insurance started on the 1st March, this time when I pick my Civic up (again on the 1st of March) the tax and insurance will have run out on my current car. I'm trying to figure out how I can take my old car into the dealers on the 1st March and pickup my new Civic. I could tax my old car for six months, and take out the tax disc to get a refund for the remaining 5 months, but what about the insurance. Do insurance companies offer really short term policies for this sort of occurance? Would I be better off taking the car to the dealers on the last day of February? (Oh s**t that would mean catching a bus home )

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This thread is about: Need advice: Insurance for old car and new one, it's in Buying, Dealers and Servicing at the Honda Civic forum Civinfo; Hi I need a bit of advice regarding insurance and Road Tax on my old car when I trade it in for my new Civic. ...

22nd January 2008, 13:00	#2 (permalink)
Sporran Wheelnut Join Date: 27th December 2007 Location: Haverfordwest, Pembrokeshire Posts: 63 Thanks: 0 Thanked 0 Times in 0 Posts	if the dealer was any good, explain the position im sure they could give you a couresy car the day before as you are part exing. If you want you car tax from 1st march, they are not allowed and you are no allowed to drive it on the road from 1st march.

22nd January 2008, 16:44	#4 (permalink)
ritchie_perriam Tyre Shredder Triangular Exhaust Join Date: 30th November 2007 Location: guildford, surrey Posts: 277 Thanks: 0 Thanked 0 Times in 0 Posts	im with admiral and they just did me a weeks insurance fully comp for 17 quid or tpft for £11 and that was on my 2.2 prelude (group 17) and im 22 so im sure you could get insured for next to nothing. just ring your insurance company! personally i wouldnt worry about tax really. in the rare chance you actually got caught im sure you would be let off if its only 1 day out! but thats only my opinion if you dont want to risk it drop it off before it runs out

22nd January 2008, 17:03	#5 (permalink)
dave525 Supporter Triangular Exhaust Join Date: 22nd November 2007 Location: Portishead Posts: 302 Thanks: 18 Thanked 16 Times in 16 Posts	I drove my part exchange to the garage without tax, as above comment, if you did get stopped I would think the police would use their discression. As for insurance, have a word with yoyr insurance company, if you are using the same company to insure the Civic they will probably extend your old insurance for little or no cost

22nd January 2008, 17:19	#6 (permalink)
Selwoc Valve Cap Join Date: 3rd November 2007 Location: Oxfordshire Posts: 43 Thanks: 0 Thanked 0 Times in 0 Posts	I don't think it is very wise to drive without road tax, even if you are insured. In the event that you were involved in an accident of any sort, I'm sure your insurer would not pay out if they found that you were driving illegally with no tax.

22nd January 2008, 19:25	#7 (permalink)
Jack The Lad. Supporter Rocketship door handle Join Date: 28th August 2007 Location: ENGLAND Posts: 1,422 Thanks: 0 Thanked 10 Times in 10 Posts	Ask the dealer to pick it up on Trade Plates, from your home. Mine did. :- Tis Business.

28th January 2008, 04:21	#8 (permalink)
illegalhunter Supporter Civinfo guru Join Date: 10th May 2007 Location: In the woods armed to the teeth Posts: 2,040 Thanks: 1 Thanked 11 Times in 11 Posts	I wouldnt Tax it , as for the insurance you could take a wee chance

28th January 2008, 07:50	#9 (permalink)
JoeyF Supporter Triangular Exhaust Join Date: 23rd October 2006 Location: Rotherham, South Yorkshire Posts: 373 Thanks: 0 Thanked 0 Times in 0 Posts	I would take your own advice on the Tax, as for the insurance I would give them a call, when I did a similiar sort of thing my insurance extended it for a day to cover the days gap for free, I think mainly because I insured my new car with them as well. Don't drive the car without tax or insurance not even for one day, it's not worth the risk for something that will cost so little.