Temporary Car Insurance in UK
#1
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Joined: Nov 2002
Location: Tucson, AZ, USA
Posts: 18
Temporary Car Insurance in UK
Gahhh... Tomorrow I leave for a three week trip to the UK and I have just found out that I don't have enough car insurance coverage.
While I am there I will drive a relative's car. They have insurance with me on it, but they switched to the Post Office for their insurance and the Post Office will only add me for two weeks at a time. So I am stuck for one week with no insurance.
Does anyone know of a place either in the US or in the UK to buy a week's work of insurance for me to use someone else's car? Hopefully it will be cheaper than renting a car. Thanks!
Andy
While I am there I will drive a relative's car. They have insurance with me on it, but they switched to the Post Office for their insurance and the Post Office will only add me for two weeks at a time. So I am stuck for one week with no insurance.
Does anyone know of a place either in the US or in the UK to buy a week's work of insurance for me to use someone else's car? Hopefully it will be cheaper than renting a car. Thanks!
Andy
#2
Account Closed
Joined: Jul 2005
Posts: 15,019
Re: Temporary Car Insurance in UK
Gahhh... Tomorrow I leave for a three week trip to the UK and I have just found out that I don't have enough car insurance coverage.
While I am there I will drive a relative's car. They have insurance with me on it, but they switched to the Post Office for their insurance and the Post Office will only add me for two weeks at a time. So I am stuck for one week with no insurance.
Does anyone know of a place either in the US or in the UK to buy a week's work of insurance for me to use someone else's car? Hopefully it will be cheaper than renting a car. Thanks!
Andy
While I am there I will drive a relative's car. They have insurance with me on it, but they switched to the Post Office for their insurance and the Post Office will only add me for two weeks at a time. So I am stuck for one week with no insurance.
Does anyone know of a place either in the US or in the UK to buy a week's work of insurance for me to use someone else's car? Hopefully it will be cheaper than renting a car. Thanks!
Andy
#3
Re: Temporary Car Insurance in UK
Gahhh... Tomorrow I leave for a three week trip to the UK and I have just found out that I don't have enough car insurance coverage.
While I am there I will drive a relative's car. They have insurance with me on it, but they switched to the Post Office for their insurance and the Post Office will only add me for two weeks at a time. So I am stuck for one week with no insurance.
Does anyone know of a place either in the US or in the UK to buy a week's work of insurance for me to use someone else's car? Hopefully it will be cheaper than renting a car. Thanks!
Andy
While I am there I will drive a relative's car. They have insurance with me on it, but they switched to the Post Office for their insurance and the Post Office will only add me for two weeks at a time. So I am stuck for one week with no insurance.
Does anyone know of a place either in the US or in the UK to buy a week's work of insurance for me to use someone else's car? Hopefully it will be cheaper than renting a car. Thanks!
Andy
So with the risk of the likelihood of an accident small, the short duration of the policy will not be worth it for a company to insure you. And if it were, it's likely to be in the region of $100 for the week, rather than just say a tenner. As it costs just as much to underwrite a policy for a week as it does a year.
What I did was wrote a PLUP here in the USA which offers third party liability insurance upto $1000000 worldwide if I drove a car and got into a wreck.
but doesn't cover anything fully comp.
#4
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Joined: Nov 2002
Location: Tucson, AZ, USA
Posts: 18
Re: Temporary Car Insurance in UK
Thanks for the replies. I found that Norwich Union writes daily insurance:
https://www.norwichunionshortterminsurance.co.uk
It appears they will do it for holders of UK licenses who don't live there. My quote for five days was 37.50 GBP. Compared to a rental car which would be around 130 GBP this is more affordable.
Andy
https://www.norwichunionshortterminsurance.co.uk
It appears they will do it for holders of UK licenses who don't live there. My quote for five days was 37.50 GBP. Compared to a rental car which would be around 130 GBP this is more affordable.
Andy
#5
Re: Temporary Car Insurance in UK
Thanks for the replies. I found that Norwich Union writes daily insurance:
https://www.norwichunionshortterminsurance.co.uk
It appears they will do it for holders of UK licenses who don't live there. My quote for five days was 37.50 GBP. Compared to a rental car which would be around 130 GBP this is more affordable.
Andy
https://www.norwichunionshortterminsurance.co.uk
It appears they will do it for holders of UK licenses who don't live there. My quote for five days was 37.50 GBP. Compared to a rental car which would be around 130 GBP this is more affordable.
Andy
#6
Joined: Feb 2002
Posts: 6,848
Re: Temporary Car Insurance in UK
Thanks for the replies. I found that Norwich Union writes daily insurance:
https://www.norwichunionshortterminsurance.co.uk
It appears they will do it for holders of UK licenses who don't live there. My quote for five days was 37.50 GBP. Compared to a rental car which would be around 130 GBP this is more affordable.
Andy
https://www.norwichunionshortterminsurance.co.uk
It appears they will do it for holders of UK licenses who don't live there. My quote for five days was 37.50 GBP. Compared to a rental car which would be around 130 GBP this is more affordable.
Andy
It clearly states that the person wishing to buy the policy must be in possession of a VALID, UK driving licence.
If you're not resident in the UK (and if you're living in the USA and just on your hols in Blighty then you're not a UK resident) then you're not eligible to be covered under the Norwich Union temporary policy.
I'm not saying that you can't buy it....but you might have problems getting them to pay out if you get into an accident...
#7
Re: Temporary Car Insurance in UK
Ahem.....I don't think so.
It clearly states that the person wishing to buy the policy must be in possession of a VALID, UK driving licence.
If you're not resident in the UK (and if you're living in the USA and just on your hols in Blighty then you're not a UK resident) then you're not eligible to be covered under the Norwich Union temporary policy.
I'm not saying that you can't buy it....but you might have problems getting them to pay out if you get into an accident...
It clearly states that the person wishing to buy the policy must be in possession of a VALID, UK driving licence.
If you're not resident in the UK (and if you're living in the USA and just on your hols in Blighty then you're not a UK resident) then you're not eligible to be covered under the Norwich Union temporary policy.
I'm not saying that you can't buy it....but you might have problems getting them to pay out if you get into an accident...
Ps - at the end of the 6 months, we couldn't sell the car - we still have it, and use it when we go back...the out of pocket costs are cheaper than renting, but that excludes the depreciation. So if anyone is moving back and wants a well maintained, very low mileage Mazda MPV Diesel, drop me a line.....
#8
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Joined: Nov 2002
Location: Tucson, AZ, USA
Posts: 18
Re: Temporary Car Insurance in UK
I do have a valid UK license, so I don't see a problem there. Valid until 2045.
You have to give a reason on the NU site for wanting the insurance. One of the options is "Driving a relatives/friends car while visting the UK, with a UK driver's license".
Andy
You have to give a reason on the NU site for wanting the insurance. One of the options is "Driving a relatives/friends car while visting the UK, with a UK driver's license".
Andy
#9
Re: Temporary Car Insurance in UK
A few years ago when I enquired about changing my license to the new photo ID type...I was told I wasn't eligible for a UK license because I wasn't a resident and that my old one was not valid. I didn't mention in my email that I didn't live in the UK...maybe they found out through my email address I don't know.
#10
Re: Temporary Car Insurance in UK
what about your credit card? they usually have some form of insurance coverage.
#12
Re: Temporary Car Insurance in UK
Given that we own and drive a car in the UK when we go back, I was a bit worried about this so I emailed the DVLA as follows:
quote
I am a UK citizen, currently living overseas. I still have property in the UK, and a car (which is always taxed and insured asI use it when I return on visits). I have been told that my UK Licence is no longer valid because I am not a UK resident? Please can you confirm whether this is indeed the case?
Unquote
Overnight I got a reply back as follows:I am a UK citizen, currently living overseas. I still have property in the UK, and a car (which is always taxed and insured asI use it when I return on visits). I have been told that my UK Licence is no longer valid because I am not a UK resident? Please can you confirm whether this is indeed the case?
Unquote
quote
you are residing abroad you will still be covered to drive on your GB licence on your return visits to GB.
You may use your GB licence for driving in all other European Community/European Economic Area (EC/EEA) member states.
Check with your local motoring organisation office if you want to drive in a non EC/EEA country. They will tell you if you need an International Driving Permit, and issue one if needed.
Unquote
So I reckon we're OK still....
you are residing abroad you will still be covered to drive on your GB licence on your return visits to GB.
You may use your GB licence for driving in all other European Community/European Economic Area (EC/EEA) member states.
Check with your local motoring organisation office if you want to drive in a non EC/EEA country. They will tell you if you need an International Driving Permit, and issue one if needed.
Unquote
Last edited by Yorkieabroad; Sep 7th 2007 at 4:37 am.
#13
Re: Temporary Car Insurance in UK
Given that we own and drive a car in the UK when we go back, I was a bit worried about this so I emailed the DVLA as follows:
Overnight I got a reply back as follows:
quote
I am a UK citizen, currently living overseas. I still have property in the UK, and a car (which is always taxed and insured asI use it when I return on visits). I have been told that my UK Licence is no longer valid because I am not a UK resident? Please can you confirm whether this is indeed the case?
Unquote
So I reckon we're OK still....I am a UK citizen, currently living overseas. I still have property in the UK, and a car (which is always taxed and insured asI use it when I return on visits). I have been told that my UK Licence is no longer valid because I am not a UK resident? Please can you confirm whether this is indeed the case?
Unquote
Overnight I got a reply back as follows:
quote
you are residing abroad you will still be covered to drive on your GB licence on your return visits to GB.
You may use your GB licence for driving in all other European Community/European Economic Area (EC/EEA) member states.
Check with your local motoring organisation office if you want to drive in a non EC/EEA country. They will tell you if you need an International Driving Permit, and issue one if needed.
Unquote
you are residing abroad you will still be covered to drive on your GB licence on your return visits to GB.
You may use your GB licence for driving in all other European Community/European Economic Area (EC/EEA) member states.
Check with your local motoring organisation office if you want to drive in a non EC/EEA country. They will tell you if you need an International Driving Permit, and issue one if needed.
Unquote
#14
Re: Temporary Car Insurance in UK
Haven't you got a relative whose address you could use? All my stuff goes to my Mums...