Not sure if anyone here can help me, but I need to move my EP mustang from one side of the state to the other for a Solo (Kalamazoo to Detroit MI) for 1 day. just for the sake of argument, Trailer is not an option. The car is street legal (and not very competitive because of it.) Is there any way that I could insure it for a day, or even a week in order to transport it cheaply?
I'm inclined to say that this is a question you need to ask your insurance provider.
I'd tell them the truth, that it's a registered non-op vehicle that's street legal, and that you need to transport it between two locations on a specific day. Just leave out the bit about racing it when you arrive.
I have three licensed vehicles and of my two mazdas (depending on which one's running or not) I frequently slap insurance on one of them for a week or two while the other's being fixed. The 323 beater is primarily for winter, but it's good in a pinch if the other pos aren't running. My truck sits in the backyard, if I'm going to be doing dump runs, I'll put insurance on it for a month or so.
This tip came directly from my insurance guy.
My Miata stays in the garage for the winter. When I bring it out for the summer, if that decision falls on a weekend, my insurance guy has instructed me that I need to call his office and leave on his answering machine a recording that I have taken the car out of the garage - start the insurance. The recording makes it legal and when he comes into the office on Monday he will "do the paperwork" that will have insured the car from that Friday night.
Of course, if I go to pull the car out and it will not start, just call back and he will not start the insurance.
What he was trying to tell me was:
Call on Friday after 5 pm and get a statement on the answering machine.
Enjoy the car for the weekend.
If the weekend goes down incident free then call back before the office opens on Monday.
Result is you have coverage if you need it but have canceled the policy before they started charging you.
Of course, if there is an incident, keep the policy in effect until the incident is resolved.
jrw1621 wrote: This tip came directly from my insurance guy. My Miata stays in the garage for the winter. When I bring it out for the summer, if that decision falls on a weekend, my insurance guy has instructed me that I need to call his office and leave on his answering machine a recording that I have taken the car out of the garage - start the insurance. The recording makes it legal and when he comes into the office on Monday he will "do the paperwork" that will have insured the car from that Friday night. Of course, if I go to pull the car out and it will not start, just call back and he will not start the insurance. What he was trying to tell me was: Call on Friday after 5 pm and get a statement on the answering machine. Enjoy the car for the weekend. If the weekend goes down incident free then call back before the office opens on Monday. Result is you have coverage if you need it but have canceled the policy before they started charging you. Of course, if there is an incident, keep the policy in effect until the incident is resolved.
It quacks like insurance fraud.
DILYSI Dave wrote:jrw1621 wrote: This tip came directly from my insurance guy. My Miata stays in the garage for the winter. When I bring it out for the summer, if that decision falls on a weekend, my insurance guy has instructed me that I need to call his office and leave on his answering machine a recording that I have taken the car out of the garage - start the insurance. The recording makes it legal and when he comes into the office on Monday he will "do the paperwork" that will have insured the car from that Friday night. Of course, if I go to pull the car out and it will not start, just call back and he will not start the insurance. What he was trying to tell me was: Call on Friday after 5 pm and get a statement on the answering machine. Enjoy the car for the weekend. If the weekend goes down incident free then call back before the office opens on Monday. Result is you have coverage if you need it but have canceled the policy before they started charging you. Of course, if there is an incident, keep the policy in effect until the incident is resolved.It quacks like insurance fraud.
But does it float?
Well.....State farm allows you to drive a vehicle home without insurance. some sort of Grace period.
I bought a VW for my son and wanted to drive it around, troubleshoot it and then drive it 400 miles to deliver it to him in college. I explained this to the gecko, they added it to my policy (liability only) and told me that if it was dropped within 30 days, I probably wouldn't even be charged. I wasn't.
I'd say just call your insurer, tell them you want to add a car to the policy temporarily. If they ask why, just say that you want to drive it for a couple of days and want everything to be legal - you don't have to say where you are going.
(Disclaimer: 25+ year policy holder, no infractions and no claims in at least 15 years, 4 other cars with full coverage on the policy)
I've never tried a 'temporary' policy, I'm not sure such a thing exists down here in South Cackalacke. You get a 6 month or 1 year policy.
If you have an existing policy and you buy a car that car is automatically covered for 15 days to the limits of whatever your policy is, starting on the date written on the bill of sale or title assignment. If you are not going to license it immediately you have to let the highway dept know, or they will hit you with a $400 fine for late registration. 
So what I have done many times is have the seller sign the title over but not date it. Yeah, I know: sneaky. 
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