Buying a new car should always be a positive experience. Whether you are looking for a low-priced used car to get you from A to B or investing in a brand new car you have saved for, you want everything to go as smoothly as possible.
Getting it home safely is always a priority when collecting your new car. This article will let you know everything you need to drive your new car legally.
what does it take to drive a new car home?
Buying a new car can be a bit tricky, but making sure you have everything ready to move legally is essential.
Reading: How long can i drive my new car without insurance
Requirements to drive a new car include:
transfer of ownership
the v5c form is the document that proves the ownership of the car. this form must be updated and in the possession of the new owner.
Usually, the v5c form will be filled out at the dealership’s office where you purchased the car. If you are buying your new car from a private seller, you must be in possession of it and be able to transfer ownership to them.
You will need to update the v5c/2 section with the “new guardian details”. You should always make sure that the details entered in the document are accurate to avoid problems in the transfer of ownership.
The v5c form is also known as the car registration book and is the most important car document you will ever own. if lost, replacements can be requested. You shouldn’t buy a new car if you don’t get the v5c form.
all vehicles must pay taxes. Car dealers often take care of this as an incentive for customers, and if you’re buying from a private seller, you’ll need to make sure the car is taxable or tax it yourself.
Many modern and new vehicles that have low emissions will be exempt from road tax, but the vehicle will still need to be registered, but you will not be charged.
The car’s mot is also needed to make sure it’s roadworthy, and the validity of any insurance policy will depend on whether the car has a mot.
See also: Life insurance for elderly people
Insurance is required for any vehicle driven in the UK. Even if you have insurance on another vehicle, you’ll need to make sure you have valid insurance on the new car.
Depending on your needs, there are a number of insurance options available to new car owners that will allow you to legally drive your vehicle home.
what kind of insurance do I need?
It is a legal requirement that anyone who drives a car has a valid insurance policy. Failure to comply with this can result in a number of penalties including a fixed penalty fine of £300 and six penalty points. more serious cases can be referred to the courts, where unlimited fines or driving bans can be issued.
In some cases, the police will have the power to impound or destroy the vehicle. Anyone caught without the correct coverage can face higher auto insurance costs in the future and have to pay for expenses resulting from accidents.
temporary car insurance
If you’re looking for a new auto insurance policy to get your car home safely, insurance providers will offer you a variety of options.
Using term insurance to get your new vehicle returned to your home through your auto dealer or private seller is a great way to avoid paying a full annual insurance fee.
This is a great option that gives drivers more freedom and saves money when using cars for shorter periods of time. Temporary learner driver insurance is another popular option that will allow learners to practice driving without having to pay for a full annual policy.
How does term insurance coverage work?
A term car insurance policy allows anyone who buys a new car to purchase coverage as early as an hour to drive the car home.
Temporary coverage can be used to save money by not paying for a full yearly policy and making sure the car is properly insured.
There are many reasons why a new owner might not want to pay off their full annual insurance policy right away. it could be that the car is being returned for repairs and won’t be driven for a while, or something as simple as the new owner wanting to shop around for the best priced annual policy.
See also: Do you lose insurance when you quit your job
In some cases, customers may pick up their new car from dealers or private sellers driving their own car, and the insurance will not have transferred in time. this gives the new car owner the option of instant coverage to transport the new vehicle home.
Most term insurance will be full coverage, but some providers may offer third-party services. Comprehensive insurance covers any damage to third-party vehicles, property, or occupants, as well as the policyholder’s vehicle and occupants.
Third party coverage would not cover any damage to the policyholder’s vehicle and would only cover damage sustained by any third party involved in an accident.
temporary auto insurance coverage requirements
Temporary auto insurance will give you instant coverage, allowing you to drive your car home without the expense of an annual insurance policy.
To drive a new vehicle you need to have a valid insurance policy and the requirements are the same as for annual insurance policies.
To enjoy temporary car insurance, you must meet the following requirements.
- have a full UK driving licence
- be between the ages of 18 and 75, with drivers aged between 18 and 21 who have held their license for a minimum of 6 months
- the car must be less than 30 years old
- the number of accidents, claims or losses in the last 3 years must not exceed 2, regardless of fault
- the number of penalty points in the last 3 years must not exceed 6
- resident in the uk for a minimum of 12 months
- has a current permanent address as stated in this application (note that you may be asked to provide proof of residency in the event of a claim)
- have never been denied insurance, had a policy canceled or revoked
- no driving ban in the last 60 months
- no conviction of any crime or any possible pending prosecution.
what length of insurance coverage is needed?
The length of coverage you need to drive your new car home will change based on your needs. Ensuring your car is insured when driving is essential, and you should take all eventualities, including delays or traffic, into account when purchasing your policy.
Driver’s insurance offers short-term coverage that allows you to drive home a car from a dealer or private seller. You’ll have coverage for any accidents that may occur while traveling, but it also means you’re not locked into a long-term policy without shopping around or finding the best deal.
one hour car insurance can be a great option for drivers who know they can safely get the car home right now. Alternatively, you may want to look into one-day cover as it will give you more flexibility. no one can predict the future; all it would take would be traffic jams or an accident to delay you beyond the terms of your policy.
How do I get temporary coverage?
Our quick and easy quotes allow drivers to insure their new car at a dealer or private seller and take it home safely and legally.
term policies allow drivers to comply with UK traffic laws without spending money on policies they won’t benefit from.
See also: How long do they suspend your license for no insurance