Third party, fully comp or agreed value - talk about it here

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Anyone know of a company that will insure a car that is not mine, While mine is off the road for 5 days. I have been offered a triumph for one of our camping weekends, but FJ dont want to know (What a surprise!)

If the other Triumph is insured with another driver then you can be added to their's for about &163;15-20.

Due to the owners policy we are unable to add drivers to it. To be honest FJ have been nothing but hassle which is surprising as they are normally quite good at taking the money but when it comes to claiming they like several others are not forthcoming.

Will they insure in the name of the owner of the car with you as a named driver?

We have two Triumphs insured on the same club policy in my wife's name with me as named driver but as I am the registered owner they have endorsed the policy to say that.

No, because the owner already has an insurance policy on the vehicle (not FJ) so they will not insure the vehicle twice.

There must be a way around this?

There is a way around it, get a policy with an insurer who has the "driving other cars" extension on the policy however you'll find that quite hard as it's being removed. It only gave Third Party Only cover anyway but was still a monumental pain in the backside from an admin perspective. The "corrrect" way to do it is to get yourself on the policy that already covers the car.

No insurer is going to cover you for a few days, it simply isn't worth the hassle and the cost - they will have to charge you Insurance Premium Tax and administer that so they just say no. The theoretical min cost would be about &163;30.

If the car was hired to you then you may be able to add it onto your policy - in other words if you entered into an agreement whereby you paid something to the owner and you were contractually bound to be liable for any damage then you might be able to get FJ to insure it - the "hire" needs only be a token. Again the theory is sound but the practice is not so easy - FJ don't HAVE to do it for you and seems like they won't.

There isn't an easy and cheap way around it - I'm afraid modern insurance solutions are packaged and not easily tailred to real people's needs, not unless youare prepared to pay through the nose for it

Another way is to find a company that refunds unused insurance on a prorata basis if you cancel an annual policy. You then take out an annual policy and cancel it a couple of weeks later, this is just like short term insurance apart from an upfront investment.....

I do know that Direct Line used to refund any unused policy on a prorata basis, I once bought a brand new Rover with a years free insurance a couple of months after I had renewed my direct line policy so needed to cancel the policy . Direct Line refunded the full 10 months insurance cost that was outstanding on the policy. This certainly impressed me, so much so that when my free insurance expired I went straght back to them so they had retained me as a satisfied customer.

My understanding is that you can't insure the same car twice - I've come up against this when buying cars before - I can't start my insurance til the other person has cancelled theirs. It's probably something to do with liability - if the car is stolen while parked in the street, who decides which insurer pays?

Looks ideal but I tried my own Triumph and computer says no. It recognised the rego as a Triumph but because they don't have insurance grouping info for a Mk4 Spit it falls outside their scope of cover. OK it's a Gitfire and modified but I doubt their system is good enough to pick that out - it is registered as a 2 litre Spit Mk4. I tried my old Herald, that was a standard motor but again, computer says no

Well worth a try though

Sue, I tried it for our Stag and won't work. says the vehicle is too old and doesn't meet with their criteria!!!
Nigel says if you are struggling for next wekend you can always borrow "Millie". He'll put you on the insurance.

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