Cancelling insurance within 14 days of starting.
Discussion
The family MG is going back to the dealer for some warranty work next week and will need to be in for a few days. As part of the warranty cover, a courtesy car will be provided, but you have to arrange your own insurance for it.
The problem is that we can't just swap the cars on the MG's policy for the week. They have refused to do it due to my wife's age (19) stating that the hire car is classed as a higher performance vehicle therefore a higher risk - funny they're happy to cover her on a 1.8 turbo MG for a reasonable premium, but a T-reg Avensis is just too high performance! She HAS to be able to drive it, we've got two young children and I'm out all day every day, she can't be completely without transport for 1-2 weeks.
I've yet to find a short term insurance company that will cover 19 year olds, nor do any hire companies. We don't really have another car that she could use in the meantime either.
The only option I can see left to me is to take out a standard year-long policy on the courtesy car and cancel it when we're finished. As I understand it there's also a standard 14 day cooling off period wherein if you cancel you'll be completely refunded - is this true?
It's a bit shady to me to insure the car on that basis, but I'm not really sure what other option is left open to me?
Anybody have any ideas?
The problem is that we can't just swap the cars on the MG's policy for the week. They have refused to do it due to my wife's age (19) stating that the hire car is classed as a higher performance vehicle therefore a higher risk - funny they're happy to cover her on a 1.8 turbo MG for a reasonable premium, but a T-reg Avensis is just too high performance! She HAS to be able to drive it, we've got two young children and I'm out all day every day, she can't be completely without transport for 1-2 weeks.
I've yet to find a short term insurance company that will cover 19 year olds, nor do any hire companies. We don't really have another car that she could use in the meantime either.
The only option I can see left to me is to take out a standard year-long policy on the courtesy car and cancel it when we're finished. As I understand it there's also a standard 14 day cooling off period wherein if you cancel you'll be completely refunded - is this true?
It's a bit shady to me to insure the car on that basis, but I'm not really sure what other option is left open to me?
Anybody have any ideas?
OwenK said:
The family MG is going back to the dealer for some warranty work next week and will need to be in for a few days. As part of the warranty cover, a courtesy car will be provided, but you have to arrange your own insurance for it.
The problem is that we can't just swap the cars on the MG's policy for the week. They have refused to do it due to my wife's age (19) stating that the hire car is classed as a higher performance vehicle therefore a higher risk - funny they're happy to cover her on a 1.8 turbo MG for a reasonable premium, but a T-reg Avensis is just too high performance! She HAS to be able to drive it, we've got two young children and I'm out all day every day, she can't be completely without transport for 1-2 weeks.
I've yet to find a short term insurance company that will cover 19 year olds, nor do any hire companies. We don't really have another car that she could use in the meantime either.
The only option I can see left to me is to take out a standard year-long policy on the courtesy car and cancel it when we're finished. As I understand it there's also a standard 14 day cooling off period wherein if you cancel you'll be completely refunded - is this true?
It's a bit shady to me to insure the car on that basis, but I'm not really sure what other option is left open to me?
Anybody have any ideas?
If you can't get insurance for the offered courtesy car and your wife absolutely 'must' have transport for the 'few days' that the warranty work will take then simply hire a car.The problem is that we can't just swap the cars on the MG's policy for the week. They have refused to do it due to my wife's age (19) stating that the hire car is classed as a higher performance vehicle therefore a higher risk - funny they're happy to cover her on a 1.8 turbo MG for a reasonable premium, but a T-reg Avensis is just too high performance! She HAS to be able to drive it, we've got two young children and I'm out all day every day, she can't be completely without transport for 1-2 weeks.
I've yet to find a short term insurance company that will cover 19 year olds, nor do any hire companies. We don't really have another car that she could use in the meantime either.
The only option I can see left to me is to take out a standard year-long policy on the courtesy car and cancel it when we're finished. As I understand it there's also a standard 14 day cooling off period wherein if you cancel you'll be completely refunded - is this true?
It's a bit shady to me to insure the car on that basis, but I'm not really sure what other option is left open to me?
Anybody have any ideas?
You'll usually have to pay a £25 cancellation fee if cancelling in the first 14 days, but otherwise seems the practical thing to do. The insurers/people on here who work for insurers won't like it but if you're stuck it seems the best way out rather than paying an absolute fortune (if you can even find a short term insurer).
OwenK said:
The family MG is going back to the dealer for some warranty work next week and will need to be in for a few days. As part of the warranty cover, a courtesy car will be provided, but you have to arrange your own insurance for it.
The problem is that we can't just swap the cars on the MG's policy for the week. They have refused to do it due to my wife's age (19) stating that the hire car is classed as a higher performance vehicle therefore a higher risk - funny they're happy to cover her on a 1.8 turbo MG for a reasonable premium, but a T-reg Avensis is just too high performance! She HAS to be able to drive it, we've got two young children and I'm out all day every day, she can't be completely without transport for 1-2 weeks.
I've yet to find a short term insurance company that will cover 19 year olds, nor do any hire companies. We don't really have another car that she could use in the meantime either.
The only option I can see left to me is to take out a standard year-long policy on the courtesy car and cancel it when we're finished. As I understand it there's also a standard 14 day cooling off period wherein if you cancel you'll be completely refunded - is this true?
It's a bit shady to me to insure the car on that basis, but I'm not really sure what other option is left open to me?
Anybody have any ideas?
You can cancel an insurance polciy within 14 days but the insurer can charge a fee for setting up the policy, I don't know of an insurer that won't charge for cancelling.The problem is that we can't just swap the cars on the MG's policy for the week. They have refused to do it due to my wife's age (19) stating that the hire car is classed as a higher performance vehicle therefore a higher risk - funny they're happy to cover her on a 1.8 turbo MG for a reasonable premium, but a T-reg Avensis is just too high performance! She HAS to be able to drive it, we've got two young children and I'm out all day every day, she can't be completely without transport for 1-2 weeks.
I've yet to find a short term insurance company that will cover 19 year olds, nor do any hire companies. We don't really have another car that she could use in the meantime either.
The only option I can see left to me is to take out a standard year-long policy on the courtesy car and cancel it when we're finished. As I understand it there's also a standard 14 day cooling off period wherein if you cancel you'll be completely refunded - is this true?
It's a bit shady to me to insure the car on that basis, but I'm not really sure what other option is left open to me?
Anybody have any ideas?
geeteeaye said:
You'll usually have to pay a £25 cancellation fee if cancelling in the first 14 days, but otherwise seems the practical thing to do. The insurers/people on here who work for insurers won't like it but if you're stuck it seems the best way out rather than paying an absolute fortune (if you can even find a short term insurer).
Errrr why?, I've actively suggested it to people whilst working and on here.Lucas Ayde said:
OwenK said:
The family MG is going back to the dealer for some warranty work next week and will need to be in for a few days. As part of the warranty cover, a courtesy car will be provided, but you have to arrange your own insurance for it.
The problem is that we can't just swap the cars on the MG's policy for the week. They have refused to do it due to my wife's age (19) stating that the hire car is classed as a higher performance vehicle therefore a higher risk - funny they're happy to cover her on a 1.8 turbo MG for a reasonable premium, but a T-reg Avensis is just too high performance! She HAS to be able to drive it, we've got two young children and I'm out all day every day, she can't be completely without transport for 1-2 weeks.
I've yet to find a short term insurance company that will cover 19 year olds, nor do any hire companies. We don't really have another car that she could use in the meantime either.
The only option I can see left to me is to take out a standard year-long policy on the courtesy car and cancel it when we're finished. As I understand it there's also a standard 14 day cooling off period wherein if you cancel you'll be completely refunded - is this true?
It's a bit shady to me to insure the car on that basis, but I'm not really sure what other option is left open to me?
Anybody have any ideas?
If you can't get insurance for the offered courtesy car and your wife absolutely 'must' have transport for the 'few days' that the warranty work will take then simply hire a car.The problem is that we can't just swap the cars on the MG's policy for the week. They have refused to do it due to my wife's age (19) stating that the hire car is classed as a higher performance vehicle therefore a higher risk - funny they're happy to cover her on a 1.8 turbo MG for a reasonable premium, but a T-reg Avensis is just too high performance! She HAS to be able to drive it, we've got two young children and I'm out all day every day, she can't be completely without transport for 1-2 weeks.
I've yet to find a short term insurance company that will cover 19 year olds, nor do any hire companies. We don't really have another car that she could use in the meantime either.
The only option I can see left to me is to take out a standard year-long policy on the courtesy car and cancel it when we're finished. As I understand it there's also a standard 14 day cooling off period wherein if you cancel you'll be completely refunded - is this true?
It's a bit shady to me to insure the car on that basis, but I'm not really sure what other option is left open to me?
Anybody have any ideas?
You say your car will be in the garage for a 'few' days, yet also say that your wife can't be without transport for 1-2 weeks, if it is just for a few days surely she will be able to cope with no transport as many other mothers do? Unless of course you live in the middle of nowhere!?
mrmr96 said:
Apparently the OP's wife 'must' have a car for the 'few days' that the family car will be in for repairs and the offered car isn't suitable.
If it's such a 'must' then what is the problem with hiring a car for the time period, say a corsa or micra type?
Certainly seems like a better option than abusing the system to 'cool off' on insurance purchases by taking out a year's insurance on a car with the intention of only using it for a short time.
Lucas Ayde said:
Why are you so confused?
Apparently the OP's wife 'must' have a car for the 'few days' that the family car will be in for repairs and the offered car isn't suitable.
If it's such a 'must' then what is the problem with hiring a car for the time period, say a corsa or micra type?
Certainly seems like a better option than abusing the system to 'cool off' on insurance purchases by taking out a year's insurance on a car with the intention of only using it for a short time.
Because I said in my original post that hire companies don't want to know due to her age! Apparently the OP's wife 'must' have a car for the 'few days' that the family car will be in for repairs and the offered car isn't suitable.
If it's such a 'must' then what is the problem with hiring a car for the time period, say a corsa or micra type?
Certainly seems like a better option than abusing the system to 'cool off' on insurance purchases by taking out a year's insurance on a car with the intention of only using it for a short time.
I'd also like to add that the car needs a fair few bits doing, including some bodywork, which means it could be in anything between two days and two weeks depending on how quickly things progress.
It sounds like the whole cancelling after 14 days thing isn't as frowned upon as I thought, so that looks like the right way to go...
OwenK said:
Because I said in my original post that hire companies don't want to know due to her age!
Ok, I misread and thought it was just your insurance company on that courtesy car. I'm very surprised you couldn't find a single hire co. that would rent out something like a corsa for a week or two. You know that just as with normal insurance, you can hire the car yourself and put her name on as an additional driver? It might make a difference.OwenK said:
I'd also like to add that the car needs a fair few bits doing, including some bodywork, which means it could be in anything between two days and two weeks depending on how quickly things progress.
It sounds like the whole cancelling after 14 days thing isn't as frowned upon as I thought, so that looks like the right way to go...
I think it's a bit out of order but if you want to pull a fast one on insurance rather than just put up with having a single car/driver for up to two weeks it's your call. It sounds like the whole cancelling after 14 days thing isn't as frowned upon as I thought, so that looks like the right way to go...
d
Why? If the repairs were a remedy for breach of contract then the replacement car would flow naturally from the loss... but unless you're arguing a SOGA point, rather than the fix being in compliance the warranty contract, you've no chance.
The problem with insuring the courtesy car is that either you are misrepresenting that you own the vehicle, or you have no insurable interest. If the car would still be covered under the insurer's strict policy terms I'd have no difficulty with what is suggested. Be aware that if you can get cover and do need to claim, you'll lose the entire premium.
As for those suggesting a hire car - she's 19. Hire companies won't touch her, unlike the dirty old men on here.
The problem with insuring the courtesy car is that either you are misrepresenting that you own the vehicle, or you have no insurable interest. If the car would still be covered under the insurer's strict policy terms I'd have no difficulty with what is suggested. Be aware that if you can get cover and do need to claim, you'll lose the entire premium.
As for those suggesting a hire car - she's 19. Hire companies won't touch her, unlike the dirty old men on here.
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