Insurance - is this legal?

[AnnieB]

Here a conundrum for you.

I’m going to be a tiny bit vague here because I don’t want this question to come back and bite me in the bum

Our current Motorhome is insured with Company A and as we are changing the camper we contacted them about altering the policy. Because of the base vehicle they insist that a tracker is fitted before they insure it but as most fitting companies fit at your home address we wouldn’t be insured to drive it home, even though the tracker would be done the following day.

We can’t get it done at the dealers because they use a mobile company and couldn’t arrange it immediately.

So we contacted another insurance company who will insure us prior to fitting the tracker but they are a lot more expensive.

So, if we go with Company B and drive home, fully insured, then cancel the policy and go back to Company A (as we didn’t cancel our original policy for the current van) are there any legal implications? I think there is a cooling off period for cancelling policies but if not then there would be a fee but even so the policy with Company A is a lot (lot) cheaper than with Company B.

 

[Bubba]

Ask the dealer to borrow their trade plates.

 

[gpat]

Is it likely to be stolen on the drive back?

 

[gpat]

Ask the dealer to borrow their trade plates.

I thought only the owner of the plates could drive the vehicle

 

[ROCHESB]

Our dealer offered 14 day 'free' cover which didn't need an alarm or tracker. We ended up insuring with our old company who also didn't require alarms/trackers, a few weeks later we paid VanBitz a visit for an alarm and non-starter to be fitted.

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[Andy 63]

Ask the dealer to borrow their trade plates.

I believe trade plates are for road fund not insurance.

 

[AnnieB]

Is it likely to be stolen on the drive back?

Unlikely with 2 of us and the dog aboard. I did ask about that and also suggested my husband and the dog sleep in it on the drive until tracker was fitted but that didn’t influence their decision

 

[Emmit]

If you obtain Insurance from Company B then cancel it, they will charge you 'something'
In addition, theoretically you cannot insure the same product using two different Insurances.....
So, in theory, you should cancel your Insurance with Company A to finish immediately before Company B takes over.
Please note that word 'theory'
You could ignore that word and run the risk should anything untoward occur.
Clint/Harry comes to mind.
Do you feel lucky?

 

[David and Sally]

Our insurer gave us a few days leeway to get an alarm fitted.

 

[Reallyretired]

I had my tracker fitted by the dealer. More expensive than some, but my problem was the same as the op. Insurance company required proof it had been fitted before they would insure.

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[mitzimad]

you can buy daily insurance for cars not sure about motorhomes

 

[Lazyboy]

I would not do as you suggest as I don't believe it is legal to insure one vehicle with two different companies. My suggestions would be tell existing insurer you will have to cancel and go elsewhere or depending on where your dealer is, ask them to drive it to your home on their trade plates which will cover tax and insurance. You then have it home. Sleep in it until tracker fitted. May be worth giving LV a call. They did not push us for alarm or tracker (although we have both) and the premium is very competitive.

 

[denisejoe]

Trade plates are used by car dealers for test drives

 

[AnnieB]

I have Googled ‘is it illegal to insure car (etc) with more than one company’.

Moneysupermarket.come say it isn’t illegal but it would be if anyone made claims from both companies for the same accident.

As far as cancellation goes I think there’s a cooling of period before cancellation charges apply but I’m more than happy to pay a cancellation fee (£30-£40). I don’t want to get something for nothing, just want to be covered for the 24 hours until tracker is fitted.

 

[David and Sally]

Are you absolutely sure your insurer won’t give you grace as you have booked a fitting?

AIB did for us.

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[RedFrame]

Is the tracker not for the theft side of cover? If you speak to company A and ask if the underwriters will allow you to waive theft until the tracker is installed?

Edit: This assumes you own the vehicle outright.

Cheers
Red

 

[POH]

had the same problem with current van when we bought it in March couldn't get in to vanbitz until June so ended up going with Performance direct yes more expensive but their cancellation charges were ridiculous so stuck with them for the year then shopped around and went with Comfort in the end.

 

[gus-lopez]

I have Googled ‘is it illegal to insure car (etc) with more than one company’.

Moneysupermarket.come say it isn’t illegal but it would be if anyone made claims from both companies for the same accident.

If you do insure with more than opne company you have to notify each & in the event of a claim they each take a proportion of the claim.

 

[AnnieB]

Are you absolutely sure your insurer won’t give you grace as you have booked a fitting?

AIB did for us.

I’m sure. Rang them back after arranging the tracker and they were insistent that I wouldn’t be covered for driving it home.
The person I spoke to said it was the underwriters who wouldn’t allow flexibility..

 

[AnnieB]

had the same problem with current van when we bought it in March couldn't get in to vanbitz until June so ended up going with Performance direct yes more expensive but their cancellation charges were ridiculous so stuck with them for the year then shopped around and went with Comfort in the end.

Cancellation would be £40 max, but as the premium is a couple of hundred pounds more then it’s a bullet I’m happy to bite

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[Lazyboy]

Trade plates are used by car dealers for test drives

Trade plates can be used to deliver vehicles to customers (as I did many times) provided that the vehicle is legal i.e. tyres etc and it must be driven by an employee of the company that holds/owns the plates. Trade plates negate the requirement for road fund licence and the trade plate holder (company) would/should be in possession of a motor traders insurance policy to cover any vehicles they drive. Trade plates should NOT be lent to anyone to facilitate driving/delivering vehicles.

 

[Old Gibber]

I had this problem, but I'm insured with Comfort and they give a number of days grace to get it fitted. Found an on-line company who were superb and it was fitted within a couple of days.
https://www.trackerfit.co.uk/stolen-vehicle-trackers/car-trackers.html

 

[Lenny HB]

Can you get the dealer to drive it home for you on trade plates?

 

[AnnieB]

I had this problem, but I'm insured with Comfort and they give a number of days grace to get it fitted. Found an on-line company who were superb and it was fitted within a couple of days.
https://www.trackerfit.co.uk/stolen-vehicle-trackers/car-trackers.htm

Comfort are the company I’m talking about. They wouldn’t budge.

 

[David and Sally]

Comfort are the company I’m talking about. They wouldn’t budge.

Have you tried AIB?

Motorhome Insurance from AIB | Call for Quotes from AIB Insurance

AIB insurance tailored policies from a variety of the UK's leading motorhome insurer as it is an essential purchase for any motorhome owner

www.aib-insurance.co.uk

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[Pausim]

There is a motor insurance database of all vehicle insurance. If one of the insurance companies gets a whiff of something odd they might just check the data base to see if someone is up to something. When it comes to insurance I would always be cautious because I don’t want any black marks or question marks making my future insurance difficult.

 

[Lenny HB]

Comfort are the company I’m talking about. They wouldn’t budge.

They normally give 30 days to fit alarm or tracker.
Just re-read your first post you said because of base vehicle. I assume its a Trannie rather than a Fiat or Merc.

 

[Scotch mist]

Comfort are the company I’m talking about. They wouldn’t budge.

Comfort also gave me a few day grace ( fiat based )

 

[Nanniemate]

Do you like prison food - could be fraudulent

 

[AnnieB]

They normally give 30 days to fit alarm or tracker.
Just re-read your first post you said because of base vehicle. I assume its a Trannie rather than a Fiat or Merc.

Yes, they said it was because its a Ford