Hi Folks,
Just a couple of quick questions for you, I ?think? I know the answers but would appreciate confirmation.
At the end of February (when V.E.D and Mot expired) as an experiment to see if I could reduce my carbon footprint (for the good of the planet), I decided to SORN my car and see if I a) could manage without it. B) save a few pennies per annum.
Results??. A) only really needed to use a car on Four occasions, b) saved a fortune on running expenses, so now am thinking of letting it go altogether.
The first couple of times I needed it, as I hadn?t cancelled my fully comp insurance, I borrowed a friends car (third party cover), the second two times I managed with public transport,(was time consuming, more leg work! bah! humbug etc). however, my insurance has now expired, so assume my borrowing of friends car is now not an option?, and without my own insurance could I still hire a car if I needed to?
Cheers folk
Billy.
{Moved from the 'I have a Question' thread as the question is motoring related - DD}
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"so assume my borrowing of friends car is now not an option?, "
Not on the driving other cars extension on your insurance, as it has expired. You could get your friend to add you to their insurance for the period though - should be pretty cheap.
"and without my own insurance could I still hire a car if I needed to?"
Hiring a car is totally separate from your own insurance arrangements, so yes.
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RichardW
Is it illogical? It must be Citroen....
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Billy
Provided you have a valid licence and a means of payment (credit card) you should have no problem hiring a car.
As an alternative to owning or renting a car, provided you live in a big city, car clubs are starting to become popular. You pay a subscription and you can use a club car when you need it, whether an hour or a week, and pay according to useage.
With both of these suggestions I would recommend doing a forum search as both subjects have been discussed before.
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Roger
I read frequently, but only post when I have something useful to say.
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Cheers for the confimations chaps, was virtually as i thought, but hadn't thought about pestering friend into adding me to his insurance! (sort of reminds me of "Baldrick" -( "I have a cunning plan"!)
:-)
pity we are a small town, rather like the idea of a car pool too!
thanks
Billy.
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IIRC the NCD you have earned to date will die in (two years?) time which means that if you stay as a non motorist for two years and then get a vehicle you are probably going to start your insurance from scratch.
Can someone confirm this?
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i will confirm it till somebody comes along with a 300 page text and says its wrong henry k
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Thats my understanding too henry k ;O)
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You could of course come to an "agreement" with friend(s) to be put down as a named driver on their policy and so keeping your NCD alive, and being able to use their car without hassle if convenient for them.
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Recently I've had quotes of between 6 months and two years for NCD retention.
It's worth asking your current insurer as they are more likely to accept you back with your NCD than another insurer.
Martin
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Insurance for mature drivers is a competitive business. There are starter and other discounts aimed at people in your situation or those acquiring a second car for the first time. You don't need to go back to teenagers premiums!
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Since reading all of your replies, I have given my insurers a ring, and they have indeed confirmed that they will keep my details on file and my NCD alive for two years, furthermore as it's currently 9 years they will welcome me back ,(or pester me every month until i agree :-) )
Hopefully by then (Feb 2008) i should definitely know if the "cunning plan" is working, or that i will have to revert to becoming a "govermental car owning money dispenser" once again.
Tommorrow night me thinks is the time to broach the subject to friend (using a substance that is usually banned from motorists, to help me become a part-time one,! oh! the irony of it!)
thanks all,
Billy.
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