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    So I've been looking around for insurance for my first car and endsleigh seems to have a good balance of price and reviews. Thoughts?

    Though can someone confirm that it doesn't need a black box? On the quote summary, it mentions nothing about a black box. I'm asking because other similarly priced companies need a black box and the next company that doesn't need a black box is about a grand more so it seems unusual that endsleigh don't want me to install a black box for the price.
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    Just call them if you're unsure.
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    (Original post by Zerforax)
    Just call them if you're unsure.
    I absolutely hate phone calls though, do you think i can just e-mail them?
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    (Original post by InadequateJusticex)
    I absolutely hate phone calls though, do you think i can just e-mail them?
    You should practice. It's a likely skill you will need in any decent job.

    I couldn't see an email address or the online chat support on their website.

    Tbh some insurers just want to get more people so they are sometimes a lot cheaper than others. Just depends what the conditions their underwriters have given. If there is no mention of a blackbox, then it won't be required.
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    No, endsleigh doesn't need a box.

    My quote from endsleigh was much cheaper than other companies as well which left me a bit sceptical but they have been fine so far.
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    I'm with Endsleigh and I don't have a box. I think they try and do it a bit cheaper as they specialise in insuring students.
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    (Original post by BaffledPenguin)
    I'm with Endsleigh and I don't have a box. I think they try and do it a bit cheaper as they specialise in insuring students.
    (Original post by Ryan3535)
    No, endsleigh doesn't need a box.

    My quote from endsleigh was much cheaper than other companies as well which left me a bit sceptical but they have been fine so far.
    (Original post by Zerforax)
    You should practice. It's a likely skill you will need in any decent job.

    I couldn't see an email address or the online chat support on their website.

    Tbh some insurers just want to get more people so they are sometimes a lot cheaper than others. Just depends what the conditions their underwriters have given. If there is no mention of a blackbox, then it won't be required.
    Great, thanks guys. Just one more question cos this is stressing me out:

    I've bought a car from a family friend. However, he hasn't sent the logbook back yet (but he will soon). Am i allowed to take insurance out and put myself as the registered keeper/owner, because i will be anyway? I know it takes about a month for the new v5c with my name to come back but i need this car asap for work! So he's gonna send off his v5c and put me as the new registered keeper but can i apply for insurance before i receive the new logbook?
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    (Original post by InadequateJusticex)
    Great, thanks guys. Just one more question cos this is stressing me out:

    I've bought a car from a family friend. However, he hasn't sent the logbook back yet (but he will soon). Am i allowed to take insurance out and put myself as the registered keeper/owner, because i will be anyway? I know it takes about a month for the new v5c with my name to come back but i need this car asap for work! So he's gonna send off his v5c and put me as the new registered keeper but can i apply for insurance before i receive the new logbook?
    Your friend should:

    - complete section 6 of the V5C (‘new keeper or new name/new address details’)
    - sign the declaration in section 8 (you must do this too)
    - fill in section 10 (‘new keeper supplement’) and give it to you - this section is also known as the V5C/2
    - send the V5C to DVLA

    You don't need to wait for the document to be returned from DLVA since you would rely on the keeper supplement. So you can take out insurance and declare yourself as the owner (since the transfer has happened, just DVLA are slow).
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    (Original post by Zerforax)
    Your friend should:

    - complete section 6 of the V5C (‘new keeper or new name/new address details’)
    - sign the declaration in section 8 (you must do this too)
    - fill in section 10 (‘new keeper supplement’) and give it to you - this section is also known as the V5C/2
    - send the V5C to DVLA

    You don't need to wait for the document to be returned from DLVA since you would rely on the keeper supplement. So you can take out insurance and declare yourself as the owner (since the transfer has happened, just DVLA are slow).
    So could i, hypothetically, make him send the form tomorrow (after having done those things) and pay for insurance on the same day? Or would i have to wait a couple of days for dvla to process it before i get insurance?
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    (Original post by InadequateJusticex)
    So could i, hypothetically, make him send the form tomorrow (after having done those things) and pay for insurance on the same day? Or would i have to wait a couple of days for dvla to process it before i get insurance?
    No, you already own the car when you pay and he gives you the new keeper supplement. DVLA just want to update their records too.

    You can insure the same day he gives you the new keeper supplement. I picked up my new car a couple of weeks ago and had it insured from that day with me listed as the registered owner. That's how it's always done.

    The whole point of the new keeper supplement is so that you have proof to show that you are the owner during that gap while DVLA process the other part of the form to show the transfer.
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    (Original post by Zerforax)
    No, you already own the car when you pay and he gives you the new keeper supplement. DVLA just want to update their records too.

    You can insure the same day he gives you the new keeper supplement. I picked up my new car a couple of weeks ago and had it insured from that day with me listed as the registered owner. That's how it's always done.

    The whole point of the new keeper supplement is so that you have proof to show that you are the owner during that gap while DVLA process the other part of the form to show the transfer.
    Ah yeah, that makes a lot of sense, thanks so much! You know your **** I'd rep but PRSOM.

    So his insurance ends on Tuesday midnight (apparently, hes not sure what time exactly..) and he can't cancel it before or else he loses his NCB. What would happen if i insured the car under my name before his insurance expires? So if i insure it on Tuesday afternoon instead of Wednesday? Would that be invalid insurance? I can't find anything on this on the internet, this will be my last question i swear
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    (Original post by InadequateJusticex)
    Ah yeah, that makes a lot of sense, thanks so much! You know your **** I'd rep but PRSOM.

    So his insurance ends on Tuesday midnight (apparently, hes not sure what time exactly..) and he can't cancel it before or else he loses his NCB. What would happen if i insured the car under my name before his insurance expires? So if i insure it on Tuesday afternoon instead of Wednesday? Would that be invalid insurance? I can't find anything on this on the internet, this will be my last question i swear
    Haha it's only because I went through the process recently myself.

    It doesn't matter what he does with his insurance (whether he continues to pay for his policy, cancels or transfers to another vehicle) but you need to insure the car before you collect it from him or drive it anywhere. In the UK, you insure the driver (certain exceptions for "ominubus clause" where you give someone else permission to drive your car) so it doesn't matter if there is overlap.
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    (Original post by Zerforax)
    Haha it's only because I went through the process recently myself.

    It doesn't matter what he does with his insurance (whether he continues to pay for his policy, cancels or transfers to another vehicle) but you need to insure the car before you collect it from him or drive it anywhere. In the UK, you insure the driver (certain exceptions for "ominubus clause" where you give someone else permission to drive your car) so it doesn't matter if there is overlap.
    Really? Cos the only thing stopping me from driving it right now is that i thought the two insurances can't overlap. Its sitting outside my house right now so i thought i had to wait until his insurance finished. They probably wont believe me though and id still have to wait until wednesday. Thanks!
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    (Original post by InadequateJusticex)
    Really? Cos the only thing stopping me from driving it right now is that i thought the two insurances can't overlap. Its sitting outside my house right now so i thought i had to wait until his insurance finished. They probably wont believe me though and id still have to wait until wednesday. Thanks!
    His insurance policy covers him to drive the car (obviously won't have your permission to drive it anymore though). Your insurance policy covers you to drive the car. There's nothing that makes it mutually exclusive. The only reason you know about his insurance situation is because he's a friend.

    Make sure you have your insurance and road tax in place before you drive it (road tax doesn't transfer with the vehicle anymore).
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    (Original post by InadequateJusticex)
    Really? Cos the only thing stopping me from driving it right now is that i thought the two insurances can't overlap. Its sitting outside my house right now so i thought i had to wait until his insurance finished. They probably wont believe me though and id still have to wait until wednesday. Thanks!
    If it's on the road it needs to have tax, MOT and insurance. Even if it's parked and not being driven.
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    (Original post by shaymarriott)
    If it's on the road it needs to have tax, MOT and insurance. Even if it's parked and not being driven.
    Yeah, it has an MOT, been taxed today and the previous owners insurance still hasn't expired yet
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    You need your own insurance. If it gets nicked or burnt out you can't exactly go claiming against the previous owners insurance can you?

    You have the new keeper slip - it's now your car. The former owners insurance is probably now invalid as they'll have presumably declared themselves as the keeper and registered owner or the car at their address - none of which now apply.
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    (Original post by shaymarriott)
    You need your own insurance. If it gets nicked or burnt out you can't exactly go claiming against the previous owners insurance can you?

    You have the new keeper slip - it's now your car. The former owners insurance is probably now invalid as they'll have presumably declared themselves as the keeper and registered owner or the car at their address - none of which now apply.
    No i know, I'm going to get insurance to start this midnight as that's when the previous owner's insurance runs out. Your car doesn't necessarily have to be parked at your house 7 days a week you know
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    (Original post by InadequateJusticex)
    No i know, I'm going to get insurance to start this midnight as that's when the previous owner's insurance runs out. Your car doesn't necessarily have to be parked at your house 7 days a week you know
    The previous owner has sold the car.

    The details s/he gave the insurance company (register keeper/owner etc) are now outdated.

    Therefore the previous insurance is invalid. You should have got insurance immediately. What if (for the sake of argument)the handbrake slipped and it rolled away and hit a child?

    I am quite aware that your car doesn't have to be parked outside your house seven days a week.
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    (Original post by InadequateJusticex)
    No i know, I'm going to get insurance to start this midnight as that's when the previous owner's insurance runs out. Your car doesn't necessarily have to be parked at your house 7 days a week you know
    Not trying to be difficult - just gotta be careful mate!
 
 
 
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