Car Insurance Conundrum

[skirkybaby]

(Sorry if this seems like its in the wrong forum - please move if so)

Hey Everyone,

Wonder if anyone could help me with some ideas here...

Scirocco order (lease) has seemingly "slipped" a few weeks, which leaves me with a bit of a problem.

Originally I was advised it should be arriving the 3rd week in May.. Hurrah you say as it means its just around the corner, however unfortunately its now not arriving till 2nd or 3rd week in June (no idea why!)

Unfortunately my poor little MK3 Golf runs out of MOT at the end of May, and my insurance renewal was due on the 2nd June.

I wouldn't mind re-MOTing it (even tho my plan is to have it off the road and do some work to it) but the insurance is a bit of an issue - I rely heavily on being able to get about and have several long distance road trips I need to undertake in early June, herein lies the conundrum.

Originally friends suggested I should renew my policy then just switch to the new vehicle - which sounds fine, however the company I am with at the moment specialise in modifications (because of my modifications etc) and cannot offer me a competitive quote on the Scirocco as well, so id be paying a premium for renewing with them for a year (and switching the policy to the Scirocco) when the car is due so soon. (Around about £300 a year extra!)

However the company that I intend to go with while offering me a nice low rate for the Scirocco, will not insure for modifications so I cannot start a policy with them and switch to the Scirocco.

I was wondering if anyone had any ideas about what I should do, or suggestions of any kind really.

Hiring a car for the times I need works out far too costly.
Leasing company won't give me a courtesy car, and either way I wouldn't have insurance.
Short term insurance policies cost as much as a year would so that's also pointless exercise.
And work won't let me borrow the pool cars for personal use without insurance (work use is fine as its under their insurance etc).

My only option currently is to get myself added as a named driver on my dads insurance and borrow his 4x4 for a bit, this would be fine but the brakes are a bit iffy and not sure what the cost would be yet - so before I go down this route id like to hear if anyone has any handy ideas!

Any help would be greatly appreciated! I just can't wait to get my new car!

[wigit]

i hired a corsa for £99 a week for a week while i waited for the roc with 1car1.com so there are deals out there

[rako]

Why don't you do short term insurance?
Just type in google and you'll find a lot of stuff and offers on that. I done that to my T3 camper once for a week for something like £40-50 from what I can remember

[skirkybaby]

Thanks guys - will look into renting.

Tried short term insurance and the best I could get with the modifications I have was like £650 for the period I needed it... same price as a year!

I might just get added to my dads truck insurance as mentioned as thats probably the cheapest option.

[maisbitt]

You could take out fully comp on the Scirocco when the insurance runs out and you'd be covered 3rd party on the MK3 Golf (Just don't prang it). Slight risk there - all depends how much the MK3 is worth if you did prang it.

You'd need the reg number for the Scirocco in order to insure it.

Would your current insurer not extend your insurance on a month by month basis also?

[maisbitt]

You could take out fully comp on the Scirocco when the insurance runs out and you'd be covered 3rd party on the MK3 Golf (Just don't prang it). Slight risk there - all depends how much the MK3 is worth if you did prang it.

You'd need the reg number for the Scirocco in order to insure it.

Would your current insurer not extend your insurance on a month by month basis also?

[Evil Derboy]

.

[skirkybaby]

Hey thanks for everyone's help and advice, unfortunately my insurance company wasn't interested in extending my current policy to cover, and my MOT bill would have been over £100 - so in the end i got the old man to add me as a named driver for 30days to his Shogun insurance (he has a company car he drives about most of the time anyway) so I'm cruising about in a 2.8ltr 4x4 desperately awaiting my Scirocco, for the firmer ride if anything!

Sad to see my Golf finally go off the road... hopefully ill spend some dosh on it when I can and have it tip top for some rally/track days or fixed up for my missus to drive, will have to see how things pan out!