Hi,
The dealer who I have bought a new CRV off is ringing me tomorrow to give me the registration number of the CRV.
She has told me I need to insure the car before they can deliver it to me which, as I have not ordered a new car since the 90s, I find a bit strange.
For example, what happens if the car arrives and it has scratches, is damaged in some way, etc, and I decided there and then to reject it and not pay for it? I thought, as the acr would be delivered to my driveway, that I could insure it after it has arrived, I have given it the OK and accepted it.
I am not sure why I have to insure it prior to even seeing it or is this normal nowadays? Btw, the Honda sales blurb says they cover you with 7 days insurance when you buy a new car so I am doubly confused about the need to insure it beforehand?
Also, can anyone point me to a good resource - is there one here on HJ - about how to check over a new car before accepting it?
Thanks,
T.
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If the car is brand new it needs Ins to get registered!
If the garage registers first you will be the 2nd owner.
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well if its new from a main dealer id be pretty relaxed
if its second had or pre reg they still need your insurance certificate to tax it, and they are not supposed to hand it over untaxed
some insurance companies (norwich union i seem to remember is one) will give you 7 days insurance for free simply for getting a quote off them for 12 months cover, that is enough to get it taxed
alternatively there are web sites selling car insurance in one days chunks, aimed at folk borrowing a friends car for a one of holiday or similar, or driving a car home from an auction etc
so many ways of resolving keeping the law happy
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tawse,
I'm surprised the dealer didn't offer the seven days cover, it simplifies things from their point of view.
With the CC3, the dealer gave me a reference number, the car's reg number, and a telephone number to ring Ford's insurance company.
They took proposal details over the phone, emailed the cover note to the garage who were able to register the car in my name.
I changed my existing insurance - another short phone call - to start the day after I picked up the CC3.
Nothing wrong with the Ford cover, I don't suppose, but there was no point in counting out the full seven days.
Getting back to your car, I'd ask the dealer about the seven days cover, although there's not a lot you can do until the CRV is at their premises.
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I think that you will find that all the short term insurance stuff comes with the caveat that 'this policy may not be used to tax a vehicle'.
I dont see the problem tbh. You're going to be insuring it anyway. If really concerned then I'm sure you get the chance to cancel an insurance policy within 7 or 14 days anyway. check the t&c with your insurer.
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I think tawses issue is that if it gets damaged on route, will they end up making a claim on his nice new insurance . Suspect they are suggesting that the car should be delivered at the sellers risk, i.e on their policy.
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I think that you will find that all the short term insurance stuff comes with the caveat that 'this policy may not be used to tax a vehicle'. >>
When I recently bought from a dealer, they offered me the free NU cover such as this one
www.autof.co.uk/?page=norwichuniondriveaway
That was used to tax the vehicle and I then sought competitive quotes and started a new Polciy with another Insurer after the 7 days free cover was used up.
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re "I think that you will find that all the short term insurance stuff comes with the caveat that 'this policy may not be used to tax a vehicle'." not at all
ive bought a new ford, you can ring their insurance company up, get a quote, they fax the dealer a cover note for 7 days and hey ho you can drive away never having paid for any insurance, sure they hope you will subsequently take their cover up but im sure many do not
bought a new fiat, similar deal they give you number at norwich union which will give you a quote for 12 months cover and issue insurance for 7 days for free and email the dealer details, again car on road and taxed never having paid for any insurance
so its possible you can get free cover for 7 days in exchange for them giving you a quote
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When I recently bought from a dealer they offered me the free NU cover such as this one www.autof.co.uk/?page=norwichuniondriveaway That was used to tax the vehicle and I then sought competitive quotes and started a new Polciy with another Insurer after the 7 days free cover was used up.
I thought that this was the point of the Honda 7 day insurance - they make a big thing of it on their website and in the CRV brochure.
Below is from the CRV brochure
Honda Happiness Complimentary 7-Day
Driveaway Insurance**
This cover offers market-leading levels of
protection and comes with the added
comfort of a 3 year authorised repairer
guarantee on Honda Genuine parts, should
you need to claim following an accident.
The asterisks point to 'term and conditions' apply.
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If you've bought it on finance the Finance company will want to see an Insurance Policy.
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To get the "norwichuniondriveaway" 7-Day Insurance, I had to phone their call centre using a dedicated phone number and quote the code given by the dealer.
The NU agent then took all my details and details of the car as required per a normal car insurance quote, and gave me a quote & ref. no. in case I wanted to extend the Insurance after the 7 day free period. The & day cover note was faxed direct to the dealer, who then used that to get the car VED, and gave me a printout to show that I had 7 days of cover.
I checked it on askMID and sure enough the car was shown as insured.
In other words, to get your "Honda Happiness Complimentary 7-Day Driveaway Insurance" you will most likely have to first phone a happychappie and go through the same process I went through.
Edited by jbif on 19/03/2009 at 23:04
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As per jbif's post above. I was offered the 7 day Honda insurance when I bought new before Christmas and accepted it and they used it to tax the car. No problem with that and their years quote was good too - although I didn't use it...and can't remember why right now.. but was perfectly happy with the service. It's all connected to the Honda Happiness after care / accident service / breakdown service.
Edited by KB. on 19/03/2009 at 23:37
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Thanks KB - odd why they have not offered it to me then and have asked me to get my own insurance. They are ringing me on Friday morning to tell me the reg and I will certainly question this as the 7-day insurance is all over Honda's website and obviously part of their sales pitch to customers.
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Btw the Honda sales blurb says they cover you with 7 days insurance when you buy a new car ...........
I couldn't find this on the Honda website but, nevertheless and notwithstanding, my guess is that it's a sprat to catch a mackerel in that they hope you'll continue with Honda insurance after the 7 days is up.
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If you took your car in for a service and they damaged it, you wouldnt expect to be claiming on your own policy - If they want an insurance policy then I'd just "insure it" Theres no way they could claim of you if you havent paid for it and you werent driving it - the car isnt anything to do with you at that stage.
I'm guessing that its not your property until you sign for it/pay for it. Generally you cant insure something you dont own, but whats odd is in the past I have insured courtesy cars on my own policy for the day or two which I dont understand in hindsight.
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When i took delivery of my new CRV last week, it came with 7 days fully comprehensive cover. They say the reason is so you can drive straight out of the showroom fully covered. It also means that the supplying dealer can get it registered in your name as someone said it is illegal not to have the car registered without insurance. Also it gives Honda insurance (under written by Zurich) the chance to quote in the future. I took delivery of mine under Honda insurance and later put my own insurance on. Take the Honda insurance out its free and for 7 days.
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" Generally you cant insure something you dont own"
Exceptions though - you should insure a house once you have exchanged contracts - if it burns down you then have recompense, which you may struggle to get from the vendor.
I don't understand the fuss. It's a new car - few if any dealers will send a car out in such a state that it gets rejected on delivery. Insure it from the day before delivery, so it comes taxed and ready to go.
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Thanks all.
The Honda dealer rang this morning, gave me my reg number and before I had time to ask suggested that I take advantage of the Honda 7-day free comprehensive insurance and began to give me details of how to go about getting it.
I had to ring a number, give a reference number, etc, and the insurance company (Zurich it appears), will send the info to the Honda dealer today. I had to go through a full quote process so, as others have stated, it appears to be a fishing process to hook in new customers. Nothing wrong with that and, in the meantime, I am happy to take use of the insurance so that the vehicle can be reigstered in my name.
The dealer asked me to have the car insured from Monday, so I insured it from the 9AM on Monday morning, as they want 7 days to get it set-up and then hopefully get me the car by next week.
T.
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The dealer asked me to have the car insured from Monday so I insured it from the 9AM on Monday morning as they want 7 days to get it set-up and then hopefully get me the car by next week.
Eh?? That means you don't get the use of the 7 days free cover? They only need insurance for registration and tax, which can be done the day before you pick up, and long after they have had "7 days to get it set-up" - presumably that means the PDI.
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Eh?? That means you don't get the use of the 7 days free cover?
See blow (typo)... or better still, see below :-)
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" Generally you cant insure something you dont own" Exceptions though - you should insure a house once you have exchanged contracts - if it burns down you then have recompense which you may struggle to get from the vendor.
Yes, once you exchange contracts the buyer is repsonsible for the property so should arrange insurance from the time and date of exchange.
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>> " Generally you cant insure something you dont own" >> >> >>
I thought you could insure anything in which you had an insurable interest? And conversely, were debarred from insuring something without an insurable interest?
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I don't understand the fuss. It's a new car - few if any dealers will send a car out in such a state that it gets rejected on delivery. Insure it from the day before delivery so it comes taxed and ready to go.
It's not a fuss. It is just that I have not bought a new car in a long time and have no idea how the process works nowadays. My last new car was 11 years ago and I have forgotten the process from then, have no idea if it has changed and would not know anyhow.
Also, having been ill with stress for a few years I am prone to worry about things that perhaps other people would not. I didn't use to worry about them myself many years ago but, heck, there you go. Thankfully, it is getting less and less nowadays :-)
I am begining to get excited about it coming though. As other HJers commented on here, buying the car should be a boost and, yes, I am looking forward to it. Alas, one of my neighbours appears to be the ex of a footballer and he turns up here each week in the most amazing expensive looking makes and models. Since March 1st I have seen 3 or 4 new 09 plates - BMWs, Audis, VWs and some model I did not recognise - parked on the driveway. Well, I think he is a footballer ;-)
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"Generally you cant insure something you dont own"
I don't own the weather, but there are policies out there that allow me to insure against bad weather at an outdoor event, which is what is described (see above) as an insurable interest.
I think the OP would be well-advised for the vehicle to be covered before it leaves the dealer. If there was an accident en-route, and the car was damaged, but already in the OP's name and paid for, then the OP could, as a last resort, claim on their own insurance.
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When I used the seven-day cover, Ford's insurance company asked first if I wanted a full quote.
I said 'no', and all the operator did was confirm the vehicle and my name and address, so I was saved going though the full quote process.
Agree with oldnotbold, I'd want the car insured before it leaves the dealer.
It's hard to see how tawse could be liable if the car falls off the back of the trailer on the way to his house, but it's not worth even that tiny risk, just for the sake of asking for cover to start a few hours earlier.
Edited by ifithelps on 20/03/2009 at 13:19
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Hi,
Just want to pick you brains on this people.
I had a call from the dealer this morning who said they would be delivering the car on Thursday April 2nd.
I had the vehicle registration docs come through the post yesterday showing the car as being first registered to myself on March 30th - next Monday.
The free 7-day Honda driveaway insurance runs out on Monday March 30th at 9AM so I am not sure when I should insure the car from?
Should I insure it from 9AM on Monday March 30th or, as I will not take delivery of it until Thursday April 2nd, shoudl I insure it from then?
Thanks,
T.
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Play safe and insure it from the beginning of the day it's registered to you. The registration date and insurance date then coincide. I've always found that insurance commences nominally at midnight, but it's usually stated as commencing at 00:01 hours.
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