My wife is part-exchanging her car tomorrow (4th August) and I have a question about car insurance. If she changes the insurance for tomorrow (kicks in at 00.01 tomorrow morning) is she still covered to drive the car to collect her new one?

I've tried contacting her insurers but it's all online and it takes 24 hrs for them to reply.

You can't, as far as I know, have two policies for the same vehicle at the same time. If the old cover stops at 00.01 she is not covered. You need to contact the insurers to arrange a changeover time for (say) half an hour after she trades in the old car, then waits till the new cover starts.

I recently changed over cars for a brand new car and made the change online with the insurance company.

True to form, after completing payment it said the current car was covered up until the midnight the night before, yet I needed to drive the car to the dealership the next morning.

I did contact the insurance company and they said that both cars are covered on the day of switch over to which I asked 'it would be nice if your web site made it clear'.

There are plenty of people that change over cars and need the insurance to cover driving the old car to the dealership and cover the new car from when driving away.

20 odd years ago you would have had to put in a time for the insurance to switch over and hoped you didn't get stuck in traffic driving the old car to the dealership.