Day insure drive away cars
In most states, car dealerships won’t allow you to drive off the lot before you show proof of car insurance for your new vehicle. And for good reason -- car insurance is required in nearly all states. Also, no dealer wants to be blamed if you total your new car five miles down the road and wind up making payments on a car you no longer can drive.
When to get insurance on a new car
If you already have car insurance for your current vehicle, then your existing policy may offer temporary coverage for your new car for a limited time. If you’re not certain if your policy extends coverage, give your agent a quick call to check before picking up your new vehicle.
If your current car insurance policy does automatically extend coverage to a new car, you won’t be required to inform your auto insurance company before buying a car, but don't wait too long after your purchase to notify your insurer.
Policies that extend coverage to new cars typically give you anywhere from seven to 30 days to inform your car insurance company that you purchased a new vehicle. It's important that you know exactly how long you have and inform your insurer about your new car within this grace period. Otherwise, you could unknowingly end up driving without insurance.
Be sure to find out if your extended coverage includes collision and comprehensive. If it doesn't, your finance or leasing company will require you to add these physical damage coverages to your new car policy immediately.
If you don't have a policy already in place, get car insurance quotes while you're still shopping for a car and make sure you compare insurance rates by car model. You don't want to be in the middle of purchasing your new vehicle and discover you can't afford the insurance on it.
Insurance when buying a new car
Some car insurance policies only cover a new vehicle if it’s replacing a vehicle on your policy and only extend the same coverage. For instance, if you only had liability insurance for your old car, your new car will only have liability coverage. If you find this to be the case, call and add the new car to your policy while at the dealership to have collision and comprehensive coverage in place before you drive off the lot.
Other auto insurance companies’ policy terms automatically provide a new car with comprehensive and collision for only a few days, two to four is common, if all the vehicles on your policy have liability only coverage.
That limited coverage window allows you to get home and call the insurer, which is especially helpful if you’re buying a car during the weekend and your agent isn’t available for you to add your new vehicle to your policy.
Other auto policies extend the physical damage coverage for a longer period of time if you have these coverages on at least one of the other cars on your policy.
Rules are all over the place with car insurance companies, and can also vary according to state laws. For instance, in Texas, insurance companies must give a newly obtained vehicle the same amount of coverage as your car with the most coverage. That means if you have one car with collision and comprehensive and a second car with liability and then you add a third car, it will have collision and comprehensive extended to it.
But, in Texas, if you’re replacing a car on your policy you’re extended only the same coverage as the car the new car is replacing. And any new automatic coverage in Texas only lasts up to 30 days so during that time you must inform your insurer of the new car and decide what exact coverages you want on it.
Whatever your extension period is, if you wait past the deadline to notify your insurance company you will lose coverage on the new vehicle. This could get you in trouble with your state department of motor vehicles and your finance company, not to mention bring about major financial difficulties if you get in an accident.
Know your auto insurance options
If you're buying your first car, you need to shop around and get a car insurance policy lined up before you buy your new auto. That usually means you’ll need to call from the dealership to formally start the policy by providing the insurer the vehicle identification number.
If you're already insured and the dealer asks to see proof of insurance before you can burn rubber, show your current insurance card if you know there is automatic coverage. The dealer should accept that as proof. If you’re asked to provide something more, most car insurance providers can email or fax proof.
Keep in mind if you're leasing a vehicle you may need to upgrade your coverage -- leasing companies require you carry higher liability limits. Typically, your insurer can get you the coverage you need within 24 hours.
If it's time to shop for auto insurance, Insure.com provides a list of the best car insurance companies as ranked by policyholders.
Is temporary insurance easy to buy?
Yes, you can buy car insurance for one day. Short term insurance like this is a tried and tested product with hundreds of thousands of regular users. Prices are very reasonable, buying a policy is extremely quick and easy, and since it is done online you can get a policy at any time of day or night you wish, from the comfort of your own home. Policies can be bought for any number of days between a single one and a maximum of 28; and although there are certain conditions (for instance you must be over 19, with a reasonable car to insure and a fairly decent driving record) the vast majority of motorists, whether British born, temporary residents or visitors, will have no problems with the short proposal form.
What can you insure?
You can insure a car which belongs to you, but which you have perhaps kept off the road for a while; or you can cover one that you have borrowed from a friend, neighbour, relative etc. Alternatively you can lend your own car to someone else who can insure it in a similar way. Provided that the car you wish to cover is registered in the UK, is unmodified and is not a personal import it is likely to be on the insurers' database, which means that it can probably be covered.
Which driving licences are acceptable?
You can apply if you have a full driving licence from one of these countries which you have held for at least a year. UK learner drivers may also be accepted. Non-UK residents should provide their temporary UK addresses on the application form, not their home addresses.
Does it take long?
The simple proposal form only takes a matter of a minute or so for getting a quotation; and then provided that you have the registration details of the car you want to cover it is only another couple of minutes before you can pay for the policy online and download your documents.
When does cover begin?
You have the choice of either arranging cover to start at some time in the near future, or immediately. This means that you can have your insurance arranged in good time if you are going to need it soon, but in an emergency it can be arranged extremely quickly.
Is it expensive?
Obviously on a cost-per-day basis a full year's policy usually works out cheaper but short term cover can still be surprisingly economical and premiums are generally far lower than they were before specialised companies came into the market. Plus: the insurers give a lowest price guarantee! it only takes a very short time to get a quote so why not see for yourself.
Is it safe?
All insurance companies operating in the UK have to be authorised and regulated by the Financial Conduct Authority which of course gives access to the Financial Services Compensation Scheme in the unlikely case of an insurer becoming insolvent.
How are documents delivered?
You are sent a link to your documents a moment or two after you have bought your policy. You can download these and print them on your home printer if you wish, but this is not a legal requirement. However, bearing in mind that the details of the insurance cover will probably not be on the Motor Insurance Database (which police forces check up on from time to time) for several days it is very advisable that when you are buying any insurance, including short-term insurance, you carry the cover note with you for the first few days just in case you need to present it.
Car insurance for one day can be a very useful product indeed, so you may wish to bookmark this site - you never know when you may need it in the future!
Ford Insure 7 Day Driveaway cover means that when you purchase your new or pre-owned Ford from your Ford Dealer, you don’t have to worry about setting up your new insurance straight away. You can concentrate on enjoying your vehicle.
The benefits of 7 Day Driveaway cover:
- 7 days complimentary cover
- Peace of mind that you’re immediately covered
- More time to arrange new or change your existing insurance
For more information on 7 Day Driveaway cover please speak to your local Dealer and download the 7 Day Driveaway policy summary.
7 Day Driveaway cover is only available via your Dealer.
FCE Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register number 204469. FCE Bank plc acts as an insurance introducer in relation to Ford Insure. In relation to this same product, Ford Motor Company Limited is an appointed representative of FCE Bank plc. FCE Bank plc (registered in England with company number 0772784) Registered office: Central Office, Eagle Way, Brentwood, Essex CM13 3AR.
Ford Insure is sold and administered by Europa Group Limited which is authorised and regulated by the Financial Conduct Authority.
Ford Insure 7 Day Driveaway Insurance is underwritten by Allianz Insurance plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
INS2017/031 Exp 09/02/2018