Mobility car and insurance

meandmine30

Spoke to the lady reviewing my pip 'worsening of conditions' she said I have been awarded the enhanced mobility for certain and will be recieving the confirmation letter soon. 

So I decided to phone the garage and get a jump on things and today the garage said the vehicle I need won't be available until late September.

Well here's the dilemma, our current insurance is due for renewal at the start of August, it's a difficult car to insure and expensive so how do I wrangle paying 2 months extra insurance?! Anyone else had the same problem? /Anyone have a solution for me pleeeeeease? Thanks in advance

poppy123456

meandmine30 said:

Spoke to the lady reviewing my pip 'worsening of conditions' she said I have been awarded the enhanced mobility for certain and will be recieving the confirmation letter soon. 

So I decided to phone the garage and get a jump on things and today the garage said the vehicle I need won't be available until late September.

Well here's the dilemma, our current insurance is due for renewal at the start of August, it's a difficult car to insure and expensive so how do I wrangle paying 2 months extra insurance?! Anyone else had the same problem? /Anyone have a solution for me pleeeeeease? Thanks in advance

Best thing to do is to ring your insurance company and ask because they will have their own policy.

wilko

@meandmine30 As Poppy states contact your current insurer after you have your award notification letter and explaining your situation. They may charge you a full 12 months insurance then a pro rata refund for the short term insurance when you cancel your present insurance to take on the mobility car

meandmine30

Thanks guys! 

twonker

wilko said:

@meandmine30 As Poppy states contact your current insurer after you have your award notification letter and explaining your situation. They may charge you a full 12 months insurance then a pro rata refund for the short term insurance when you cancel your present insurance to take on the mobility car

Be aware that the refund will not be pro rata. You could both write off your car and the car you hit the day after the policy starts or indeed on the last day of the policy.
It's all about risk assessment. 

CockneyRebel

Please excuse my curiosity, what car do you have that makes it difficult and expensive to insure ?

meandmine30

CockneyRebel said:

Please excuse my curiosity, what car do you have that makes it difficult and expensive to insure ?

Hi, it's a t4, they all came off the lot as commercial vans so we first had a fight on our hands to get the DVLA to acknowledge we weren't driving a minibus (that's what the old owners left the log book saying?!) Then we had to go to a broker to get it insured, it was very expensive and my husband has had a license for over 20 years and no claims etc. We have 5 children, 2 in pushchairs and a dog wheelchair and shopping and bags and just general rubbish so it was the only one we could afford that was big enough, it saved our life really, we love it and are going to struggle to part with it