Temporary Car Insurance
Thread Starter
Instructor
Joined: Jul 2013
Posts: 147
Likes: 45
From: Toronto, CA
Temporary Car Insurance
So I've bought a '69 Coupe in Arizona and I want to drive it home to Toronto. My insurance company won't cover a car until it's registered in my name.
Anyone know a place that offers temporary trip insurance?
Anyone know a place that offers temporary trip insurance?
Advanced
Joined: Feb 2019
Posts: 77
Likes: 23
From: Pgh Pa
Why not Have them send the Title paperwork, then register it. I dont know of any insurance Co. that will insure a car not in your name. Maybe if you were a dealer?
Last edited by elmo771; Nov 19, 2019 at 12:46 PM.
Team Owner
Joined: Jan 2006
Posts: 37,637
Likes: 3,118
From: Crossville TN
You don't want to have it insured by a 'regular' car insurance policy. You need to have "Agreed Value" insurance that will cover the car for its actual worth, rather than for Black Book value. Call Hagerty, Grundy or other collector car insurer to find out what you need to do. As a last resort, you could have the car shipped to your location (or, at least, into Canada) so that you can take possession in your country.
Drifting
Joined: Jun 2008
Posts: 1,495
Likes: 134
From: Blanco County, TX
You mean you are required to have the car in their physical presence to register it? How does that work if you buy a project car that doesn't run? If you have to have the car in your possession to register it, but you can't insure the car until it's registered seems like a bit of a Catch-22. Around here and I think in most states now, you have to submit proof of insurance to register a car. I doubt Canada is much different. I think you need to ask more questions.
I don't know if Hagerty insures in Canada, but I insured a '74 F-350 with Hagerty and it wasn't titled or registered in my name at the time I got coverage. There is nothing in their application process that asked me for evidence of a title or registration, or whose name it was in. All I needed was my name, a VIN, and a credit card number. I already had a policy with them, however. It didn't run so I couldn't get it inspected, which is required for registration. My regular carrier will also automatically cover me for a period of time after I buy a new car, even if I haven't told them about it.
If the seller keeps the plates, how are you going to drive it up to Canada without plates? Do they have a temporary registration process? We can get a temporary registration here for 30 days without an inspection, but you still need insurance.
I don't know if Hagerty insures in Canada, but I insured a '74 F-350 with Hagerty and it wasn't titled or registered in my name at the time I got coverage. There is nothing in their application process that asked me for evidence of a title or registration, or whose name it was in. All I needed was my name, a VIN, and a credit card number. I already had a policy with them, however. It didn't run so I couldn't get it inspected, which is required for registration. My regular carrier will also automatically cover me for a period of time after I buy a new car, even if I haven't told them about it.
If the seller keeps the plates, how are you going to drive it up to Canada without plates? Do they have a temporary registration process? We can get a temporary registration here for 30 days without an inspection, but you still need insurance.
Race Director
Joined: Mar 2016
Posts: 14,406
Likes: 8,212
From: Napa Valley California
I have purchased numerous cars in my many years.
There has always been a clause in my auto insurance policy that covers me when I purchase a new vehicle.
It is something like 30 days from the date of purchase.
This is something that you might want to ask your insurance company about.
It is no different than when you would buy any new or used vehicle off a sales lot.
Just make sure everything is correct on the bill of sale.
I would contact Arizona Department of Motor Vehicles and find out if they require a "Release of Liability to be filed with them when you purchase the vehicle.
If they do, get one and have it ready to be signed by the seller when you pick up the car.
Even though you are taking the car to Canada, it will protect you from any tickets, liens or other actions assessed against the vehicle before you took possession.
And don't assume the seller will do it or that he will mail it for you.
Do it yourself if the State requires it.
Good luck and send us photos of your road trip.
There has always been a clause in my auto insurance policy that covers me when I purchase a new vehicle.
It is something like 30 days from the date of purchase.
This is something that you might want to ask your insurance company about.
It is no different than when you would buy any new or used vehicle off a sales lot.
Just make sure everything is correct on the bill of sale.
I would contact Arizona Department of Motor Vehicles and find out if they require a "Release of Liability to be filed with them when you purchase the vehicle.
If they do, get one and have it ready to be signed by the seller when you pick up the car.
Even though you are taking the car to Canada, it will protect you from any tickets, liens or other actions assessed against the vehicle before you took possession.
And don't assume the seller will do it or that he will mail it for you.
Do it yourself if the State requires it.
Good luck and send us photos of your road trip.
Racer
Joined: Jul 2018
Posts: 428
Likes: 182
From: Green Bay WI
I have two cars insured by Hagerty and the others with State Farm. Last time I bought another car either gave me a certain amount of time after the purchase to get all of the paperwork done which means they cover the car from the date on the bill of sale. I'm pretty sure that's what I remember.....................
Le Mans Master
Joined: Aug 2005
Posts: 6,541
Likes: 1,975
From: Temple Terrace Florida
I agree. Your insurance company should cover the car from day one. Get the title, bill of sale and a copy of the registration and fax it to your agent as proof. You should be able to get a 30 temp. tag from either AZ or Canada. I insure cars all the time when I buy them for my company fleet. In fact in Florida, you cannot register a car until you get insurance, not the other way around. Jerry
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