Issues getting insurance for new lease car

[BALDER5]

Hi all I'm hoping someone here has some pearls of wisdom and that my wife can't be the first person to experience this issue.

My wife took delivery of a new lease car yesterday, new reg showing on DVLA website. Current insurers say they can't amend her policy as the reg number isn't recognised and they won't insure on the chassis number.

She then went through a comparison site and can be offered insurance price by manually inputting the car's spec but at checkout she then had the same issue regarding an unrecognised reg. When she called them they said they couldn't manually overwrite a new policy.

My wife then Phoned Stellantis (name on V5C) and they can't find it on their system either! She has also spoken to the company the car is leased from and was kept on hold for almost an hour to be told they didn't know what to do as this kind of thing "never happens".

The interim solution is to cough up a fortune on short term insurance (£128 per week) but obviously this is not feasible.

It looks like that insurers don't pull directly from the DVLA website and only periodically update their records. But what can we do in the interim, does she have any recourse?

Thanks for any help or advice.

It's been a very stressful day of wha should have bee easy. I just find it kind boggling that the lease company who she has a contract with have donw nothing and pointed her at another company she has no contractual relationship with. The contract is between her an lease company and then lease company to manufacturer. Therefore I feel the lease company should be dealing with this, but thsy don't seem to care.

Edited by BALDER5 on Tuesday 1st July 08:42

[davek_964]

BALDER5 said:

It looks like that insurers don't pull directly from the DVLA website and only periodically update their records.

Not much help - but yes, I think this is exactly true. Years ago, I moved a registration from one car to another (I owned both). I notified DVLA - and my insurers - and had an accident the next day.
I had to speak to my insurers multiple times because they kept refusing the cost of parts from bodyshop - because even though they had the correct registration on my policy - whatever database they used said that registration was car X, not car Y. The odd thing being - they'd never even insured car X, but that seemed to be the one they wanted to pay to fix.

[1690cc]

Maybe try a n over the phone insurance agent like Adrian Flux

[maz8062]

If you paid for it by finance, contact the finance company, stop paying the finance costs and wait until it gets sorted out. Or pay for temporary insurance. The finance company have an interest in the car being insured, they should step up.

[sixor8]

When I collected my new Honda eny1 in March 2024, I called insurance (Saga at the time) and transferred cover from another car whilst at the dealer. It had only been registered at DVLA for 2 days, and there was no problem.

Sounds like somebody has not registered the car correctly.

[MattyD803]

sixor8 said:

Sounds like somebody has not registered the car correctly.

I was going to suggest something similar. I had this on my leased Formentor back in 2022. When I picked it up from the dealership, it was on the "wrong" plates (out by 1 letter), which causes all sorts of headaches for me in terms of insurances etc.

Is it worth going back to the lease company to confirm and check the registration against what they have on their system and what the car is actually displaying?

[BALDER5]

Thanks all for your responses, I appreciate your thoughts

Yeah it looks like they haven't registered the car early enough and now it's taking ages to flow through to the dataset used by the insurers. The low.l loader driver said it didn't match his records, not sure why he brought it up.

It's all really slapdash. She's used nationwide leasing and I will stay clear of them myself on my next car. They don't give a st.

We're gonna try again tomorrow. Confused.com is now recognising the reg but her current provider is not. She has temp cover until next Sunday so hopefully can resolve

Edited by BALDER5 on Tuesday 1st July 21:38