Cheap Monthly Car Insurance

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Your Questions About One Day Car Insurance Uk

June 23, 2013

James asks…

Where can I find a car transport service that need drivers?

Are there any services out there where people drive other peoples cars accross the country? Does anyone need their car driven accross the country?

Administrator answers:

Yes. Here are some answers to the question from different people on http://travel.guardian.co.uk/askatraveller/story/0,8915,427599,00.html

• I have done ‘driveaways’ across America twice, totalling over 10,000 miles. The main company is Auto Driveaway, 310 S Michigan Ave, Chicago, Illinois (www.autodriveaway.com). All you need to do is phone their nearest office (from a choice of 60) to find out where they have cars going to. It is without doubt the cheapest way to get around America, as it doesn’t cost anything. There are however, some downsides: 1 You don’t get very long to complete the journey – you are expected to cover approx 150-200 miles daily (you may get a day or two extra for longer journeys).
2 Once you arrive, you have to hand the car back – when you may need it the most.
3 Your route is laid out for you, for insurance reasons – which will invariably mean travelling mostly by the Interstate Highways.

• We did a driveaway coast to coast in 1990, from a company called Dependable in New Jersey. We’d found it impossible to organise from home; you just turn up and look in Yellow Pages – there are lots of driveaway agencies in each city. You pay a deposit ($200 for us) refundable by the owners and make sure you have adequate insurance. If you want to go more than a few hundred miles, there must be two drivers each over 25 with a clean full UK licence. Take the contact details and address of the car’s owners and get in touch a few days before you want to drop the car off. Ours offered to let us use it for the rest of our holiday!

Www.driveaway.comRichard Lyon

• In addition to holding an international driver’s licence and being at least 21 (preferably 25), you need to be happy driving around 350 miles a day, leaving a cash deposit, not driving off the agreed route and paying for all the petrol you use. One major drawback of the scheme is that there is no guarantee that there will be a car going anywhere you want to visit, but if you are willing to be flexible about your destination it’s a marvellous way to explore the US.

• A useful email address is www.autodriveaway.com – they have offices throughout the USA. Things to remember are that they often have a time limit for taking the vehicle from one place to another, and that place may not necessarily be the easiest to get away from once you have arrived there. However, you can sometimes get a very nice car to drive and all you have to pay is a refundable cash deposit (provided you haven’t destroyed the car), and for gas, which is peanuts in the States.

• It is certainly possible to tour the USA cheaply by relocating a car from one location to another. These are commonly known as ‘driveaways’. You would be well advised to arrange this before you leave – check out www.autodriveaway.com. You can register your details online and state preferred dates and locations, but you will need to be flexible. All you will pay is a bond (refundable when you deliver the car in one piece) and the cost of fuel. However, there are drawbacks – the driveaway company will give you limited time to deliver the car and in many cases will limit your mileage, which may clash with your sightseeing plans.

• It is easy to travel across the States by driving and delivering somebody else’s car. All you need to do is look up Driveaway Agencies in the yellow pages. Every city and virtually every medium-sized town will have at least one. You need an international driving licence, which you can get here, you must be over 21, and you’ll have to pay a deposit of about $300-$400 which you get back when you deliver the car. You normally have a time limit, which is more than enough to stop on the way, visit places and take it very easy. Sometimes there is a mileage limit, which is also very generous. So, apart from the deposit, you only pay for the petrol. The cars are usually in excellent condition, sometimes brand new. It can be difficult to get a car to exactly the place you want to get to, so it’s advisable to take one in the same direction, or that has to be delivered halfway through. Once there, pick up another one.

I have used Driveaway cars several times to travel around the US. Look up in their Yellow Pages under Automobiles – Driveaway. The basic premise is that someone is moving and is either flying or has more than one car. You drive their car, usually pick up from their house or the driveway office and deliver it wherever. You pay for the petrol – but if there’s more than one of you works out very cheap. The driveway company sorts out all the insurance etc for which the car owner pays a fee. You are expected to take a direct route, but are allowed usually a 10% ‘diversion’ as well and are expected to drive for maybe six hours a day. I have used this method to drive from New York to Miami (five days) then Miami to Los Angeles (eight days), then back across from Los Angeles to Washington DC. Is easily the best and cheapest way to see the real USA. It’s best if you’re flexible about where you want to go to. Cars are usually new and good models as it is the richer Americans who use this method to transport their cars. Have a nice day.

• In February this year my fiance and I drove from LA to Washington DC in nine days in a driveaway car. The trip covered much of the legendary Route 66 including Las Vegas, Hoover Dam, Grand Canyon, Nashville and Memphis. It was a great way to get a taste of the USA in a short time for very little cash as all you pay for is petrol. Ideally you will need a travel companion to share the 300-400 miles per day required. Driveaways are a bit of pot luck as the agencies only know what cars they will have to go where a few days in advance so you need to be flexible. You will need proof of ID and about $400 cash deposit which is refunded after delivery of the vehicle.

CC

Helen asks…

Can my friend drive my car with a UK license?

My friend is visiting me (in Phoenix, AZ) in a few days from the UK (Scotland). I’m pretty clear that he can drive here with his license, however, can he drive my car? I mean, insurance and all. Of course I’ll have to check with my insurance company for specifics, but can anyone give me a general answer?

Administrator answers:

With your permission, yes he can. As a tourist his license remains valid while visiting. Some insurance policies will restrict permission drivers under a certain age, so check that if he’s under age 25.

Laura asks…

what are the preparations you need if your planning on driving from the UK to Germany?

In terms of , car checks. Knowledge of the road. The journey is about 800miles to Frankfurt. Would it be wise to do it in one day? I’ve passed my test only six months ago.

Administrator answers:

Be absolutely certain that your insurance covers you for EU motoring. Don’t rely on assumptions from whatever you think the words on the certificate mean. You must phone the insurance company and discuss the dates that you’ll be overseas for (allow an extra day or two at the end in case you’re delayed coming back). You may have to pay a small extra premium.

If you are in the AA or RAC or Green Flag then call them and add Continental Recovery to your membership. This means that they’ll bring your car home if it breaks down or you have an accident. Without this cover it could cost you £hundreds to repatriate a wrecked or irreparable car.

Give the car a thorough service and make sure that everything is working according to manufacturer’s specification. Include tyres (and the spare), oil, water, lights, windscreen washer fluid and everything else that’s included in the maker’s Owner’s Handbook.

Have a full tank of petrol before you start your journey. Fuel in Germany is a bit cheaper than ours but you don’t want to be mucking around topping up your tank too soon.

Research your route and make a list of important junctions and motorways on a neat sheet of paper. This so that you can look out as you approach each motorway junction (Autobahncroiz or “AC”) and make sure that you’re in the correct lane for your exit.

You are a very inexperienced driver and will certainly not have the slightest idea what it’s like on a de-restricted German motorway. Do NOT be tempted to join the speed merchants. The Germans have more accidents on their motorways than we do – don’t be one of them.

Carry spare bulbs for your head lights, side lights, tail lights and indicators. You can ready made spare bulb sets for most car types from Halfords for about £12. You must also carry an emergency triangle or the politzai will fine you (and you’ll still have to buy a triangle).

Do not attempt to do this in one day. An experienced driver who is familiar with continental driver may be able to do this. But for you it would be an unfair stress on your experience as well as your passengers’ comfort and safety.
Your average speed will not be anywhere close to 70mph because of channel crossing times, queues, roadworks and dozens of other factors. Because you’ll be driving on the “wrong” side of the road, be looking out for road signs and be subject to traffic laws that are slightly different from ours you will be wise to take your time. Your fuel consumption will rise by about 15% if you drive at 70mph instead of 60mph so that’s a very expensive 10mph.
For safety you should stop about every two hours to clear your stress and de-kink your joints. Have a toilet break and a cup of tea and a walk around.

Plan your journey and route and pre-arrange an overnight stop at a cheap hotel (eg one of the Formel One chain) somewhere around 300km from Calais.

Fit a GB sticker to your rear bumper, next to the number plate or on the rear window. Don’t stick it to the body or boot lid or you’ll mark the paint when you peel it off. Carry your insurance certificate, driving licence and passport with you at all times.

Don’t touch alcohol at all if you’re driving over there. They do not like it and a spell in a German or French police cell could spoil your holiday.

If you’re “cut up” by a German or French (or worse, a Belgian) driver do not retaliate (you’ll nearly always lose). Just shrug your shoulders, smile and yield to them. It may cost you a few seconds but after a short while you’ll learn to laugh at them and your stress (and your passenger’s stress) will go down. Just take your time and enjoy the ride.

Have a credit card or pre-paid charge card to buy petrol. You don’t want to use your cash euros in a garage.

Richard asks…

is there any halal insurance companies in UK who do taxi insurance?

I’ve tried Salaam insurance. They are not taking any new customers.

Administrator answers:

UK: Sharia car insurance now available
You no longer have to be concerned that your insurance company is speculating in hog futures. Britain is becoming more diverse, which means Britain is becoming Sharia compliant. One day, if this trend continues, Britain will discover that Sharia is not quite as kuffar-compliant as British officials might imagine.

“Sharia car insurance: For the first time, Muslims can buy policies in line with Islamic law,” from the Evening Standard, August 17 (thanks to Bark):

Muslim drivers are, for the first time, being offered insurance that obeys the teachings of the Koran.
Salaam Halal Insurance provides the same services as conventional companies but it is compliant with Islamic law. This means it cannot invest in any organisation associated with gambling, alcohol or pork. It is also not allowed to take financial risks or speculate with revenue.

Halal insurance – known as takaful – differs from standard British products because the risk is shared between policyholders. Drivers pay into a fund, which is then invested in sharia-compliant ventures and any profits are put back into the fund.

Claims are paid from the pooled sum and any surplus cash is distributed in the form of a discount for the following year’s premium. This is in addition to any conventional no-claims bonus….

Chief executive Bradley Brandon-Cross said: ‘The face of Britain is changing and it is the responsibility of British institutions to cater for such changes and welcome diversity.’

Steven asks…

How much money would I need for a 5 month trip to USA?

We are going as 3 boys for our gap year (18yrs old- 19yrs old) and we want to know roughly how much we would need to save each.
We were going to buy a cheap car out there to then sell when we finished our trip. We are going to stay in cheap hotels/travel lodges/camp sites.
Also to pay for food and everything we would want to know how much altogether taking all that in mind. We would like to visit some popular attractions as well.

Administrator answers:

Airfare depends on several factors, and you don’t say when you want to travel or to where you will fly, but prices between the UK and USA are $800 to $1200 each.

The first answer mentions couch surfer. Another organization is SERVAS, which is a global network of travelers & hosts who have passed a background check: www.servas.org

You can save on accomodations by using hostels, camping, and staying with hosts but you will probably have to stay in hotels some of the time. You can get hotel rooms with two beds and add a rollaway bed to stay all in one room, but budget a minimum of $100 per night for the times you will need a real hotel.

You can save by purchasing food in grocery stores, but your trip can’t be completely restaurant-free. Budget $50 >> per person per day << for meals and incidentals.

Realize that entrance fees to some attractions are quite expensive. For example, Disney World is $50 per day.

You do not have to be a citizen to buy a car or register it. Insurance is required and may be expensive, so check with the auto club whereer you live about "trip insurance". Remember to include fuel ($3 per gallon/20 miles per gallon) and maintainenece costs (including tires) when calculating your budget. Note that you are almost certainly going to get much less for the car when selling it than what you paid.

You are probably from a country that participates in the Visa Waiver Program. If yes, you can only stay in the US for 90 days at a time. To stay longer will require a visa:

http://www.travel.state.gov/visa/visa_1750.html

In any event, 5 months is a long time to just travel around. Consider working for a program like http://www.ccusa.com/country.aspx and then traveling around. Note that CCUSA is just an example and you can find many option by searching "international exchange programs USA". Carefully check any program that looks interesting as not all of them are a good deal.

Good luck!

Ken asks…

I have just moved back to UK with my italian car. I have italian insurance and road tax.?

I’m planning to stay in UK for a year. I have an italian license. My car‘s just been serviced in Italy and is all ok. It only has kms on speedometer. Does anyone know what I have to do in UK so as everythings legally correct?

Administrator answers:

Our US friend is incorrect UK thankfully still uses miles per hour,
Check with your Italian insurers that you are covered for insurance in UK. If you are it may be for third party only in which case you may wish to and would be wise to make it fully comprehensive. Your Road Tax is OK until it expires and you may have to register it in UK and have an MOT if it is more than three years old. Your driving licence is OK for one year (not a year and a day) only after which you will need to take a British driving test

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