Should we risk it?

[QuestionableMouse]

Might be long sorry.

Been with a friend to pick up her new car. She had everything sorted online but when she checked her insurance, it's still showing her old car rather than the new one. We're on a trading estate miles from anywhere (and 60 miles from where she lives.)

The dealer made a big deal about locking all of the cars in a huge shed before he left due to people trying to steal them. It all feels a bit abandoned and friend is uneasy about leaving the car if we could get a lift, which isn't looking likely.

Her partner is at work and not answering his phone, and the only person who could drive that far on my side of things is at home alone with a toddler and baby.

So do we risk potentially driving with no insurance? The phone line for the company is closed and the website is no help either!

No nasty comments please. My own cars are fully taxed, tested and insured and so are hers usually!!

Does the dealership not issue temporary 5 day insurance with the sale? I've always had that with my cars. (Mainstream dealers but second hand cars).
If she thinks she's insured, could it be the website isn't up to date? If yes, I'd drive home.

Is she fully comp on the previous car? Would that not allow her to drive this one 3rd party anyway?

You can get temporary insurance I think? It should be quite cheap to just get insurance for tonight and then she can sort everything with the insurance company tomorrow?

If she is the main driver on her insurance she will normally be insured to drive any car with the owners permission. She'll only be covered Third party fire and theft.

Yeah you can get 1 day insurance (or more). I've done it when we've bought cars before and it's only cost me around £20-£30. It doesn't show up on the database but checks out of you were to get stopped by police.

Just get temporary insurance. Costs £20-30 for 24 hours. You can do it on your phone in a couple of minutes.

Some advice on here is wrong. The car you are driving MUST have its own insurance policy too.

She no longer owns the other car. Temp insurance is a good call thanks.

Tbh I just want to get away from the site and back to somewhere more populated. Not sure if it's just because it's so quiet and empty but it's creepy AF.

If she updated the details online then she should have an email confirming the change. If so, then I would assume that she is covered.

No email from them. It hasn't gone to junk either. She definitely updated it though--I was sat next to her at the time.

6i she updated it then she is covered. It may just take a while to update their systems

But it will be time stamped fon when she updated o she should be good to go

I don't know if this varies by insurance company, however for mine any change I submit online which may involve a change in premium isn't done in real time.

Instead it goes over to the team who then email me a quote and I need to accept the change in costs (except for when I changed my driving license type, that time they did the change straight away). Is it possible her insurance works the same way? No change comes into effect until the confirmation email is received.

I would advise a temporary insurance just to be sure, or could you drive her car and she drive yours? As then you should both be able to use your third party extensions on your insurances.

We bought new car and were stopped by police on the way home as driving along motorway and they have automatic number plate recognition, the stopped us specifically to check we had insurance as had now shown up on system. I think temporary is essential.

try Calling 101 and asking if it’s showing as insured?

Is she fully comp on the previous car? Would that not allow her to drive this one 3rd party anyway?
Not necessarily.
If she is the main driver on her insurance she will normally be insured to drive any car with the owners permission. She'll only be covered Third party fire and theft.
No longer true.

Funnily enough this was detailed on on a police programme recently as a driver was pulled and stated that they were covered third party for their new car as they were fully comp on their own insurance. The police man said this is no longer the case and did state the reasons, which I won’t bore you with but the upshot is you need to specifically check.

www.confused.com/car-insurance/guides/driving-other-cars-on-your-car-insurance

try Calling 101 and asking if it’s showing as insured?

As pp said this won’t necessarily be up to date. We were pulled 2 days after buying a car we were insure for as it showed as no insurance. We were able to show the officer the email on our phone detailing the insurance which had been purchased when buying the car so we were insured to drive it home.

You are only covered third party driving another car IF the car is actually insured. You are not insured even on a different cars insurance if the car you are driving does not have it's own insurance.

Are you fully comp on your car? Could you drive it back?

Ok just read TheBigFatMermaid post - did not know the other car had to be insured so scrap what I said.

You can get a day insurance online takes 10 mins around £30

Wow that wasn't fun.

We're safe and insured (for the day, by the RAC) but had a really horrible scary few minutes. A security guard for a neighbouring business came out and was very aggressive, shouting and banging on the car because we were parked up by their gates. (it was a big wide road and we weren't blocking anything.)

Currently stopped at a services having a cuppa then heading back to hers to get my car. I'm so damn glad she didn't go alone!

Are you going to follow up aggressive security guard with a complaint to the company? After all, you were legally parked on the street outside their property,