Temporary 3 car insurance overlap, cleanest way to handle?

[a311]

Hi all,

I’m going to be in a slightly awkward position where I’ll temporarily have three cars to insure due to an overlap between an old lease car going back and a new lease car arriving.

My wife and I currently both have policies in our own names, each with NCB applied. We pay annually rather than monthly. My wife’s policy runs until the end of August and mine runs until October.

The overlap should only be around three weeks, so I’m trying to work out the cleanest way of handling it.

As far as I can see, my options are:

1. Leave the existing policies as they are and insure the new car separately with no NCB for the short overlap period.

2. Transfer my NCB to the new car and then either insure the outgoing lease car separately or adjust the existing policy until it goes back.

Fortunately, due to where we live and our age, the difference between using and not using my NCB on the new car only seems to be around £100 over a full year, so for a few weeks it may not be worth over complicating things.

Once the outgoing lease car goes back, I assume I can cancel the relevant policy and get a pro rata refund, minus whatever admin or cancellation fee they apply.

Am I missing anything obvious here, or is the simplest answer just to insure the new car separately for now and sort the NCB position once the old lease has gone back?

Cheers.

[E-bmw]

Simple answer, get in touch with your current insurer and they will likely do exactly what you want for up to a month for not very much.

[Nicetobenice]

First port of call will be to ask the existing insurer if they will do a temporary additional vehicle on the existing policy.

[a311]

Aviva won't do this which I found odd.

[Nicetobenice]

a311 said:

Aviva won't do this which I found odd.

In that case might be worth seeing if they will cover the new car with your existing NCB.

They do normally do additional vehicles so there must be a reason why they won't cover this vehicle.

[alscar]

Not being funny but did Aviva understand what you were asking ?
You need the old car covering on a temporary basis whilst the new one is permanently covered until natural expiry of the policy.
It’s a pretty common question.

[a311]

alscar said:

Not being funny but did Aviva understand what you were asking ?
You need the old car covering on a temporary basis whilst the new one is permanently covered until natural expiry of the policy.
It s a pretty common question.

Spoken to Aviva via their live chat. They don't offer temporary cover although Google suggests differently:

https://www.aviva.co.uk/insurance/motor/short-term...

It's underwritten by someone else by the looks of it and 200 odd quid for 28 days which is more than 50% of the annual premium.

[alscar]

You don’t want that though as that’s temp cover for a new car to you.
You want temp cover on the old car whilst you also cover the new one.
I would just ring them rather than use webchat.

[a311]

alscar said:

You don t want that though as that s temp cover for a new car to you.
You want temp cover on the old car whilst you also cover the new one.
I would just ring them rather than use webchat.

Yeah that's what I'm doing-temp cover on the cars that's going back. I'm just going to take out a new policy on the new car and cancel the exisiting policy when the car is returned.

[alscar]

Indeed - as I said ring.
Should be a 5 minute call including your card number for the temp extension ( approx 1/12th of the annual ) plus whatever “ difference “
they want for the new one.

[Mr Tidy]

I've had temporary cover with several insurers when I buy a replacement car before selling and never had a problem.