The policy only provides cover from its stated start date and time. If the handover date changes, the insurer can confirm whether the commencement date can be changed before cover begins.
How insurers commonly treat this
- An early start can mean paying for cover before the vehicle is received.
- A late start can leave the vehicle uninsured when responsibility passes to the buyer.
- A quotation can usually be obtained while the delivery date is still provisional.
What the quotation may ask for
Quotation forms use the information supplied to determine which insurers can offer cover and on what terms. Where the available answer does not accurately describe the circumstances, the insurer or comparison provider can clarify how that information is recorded.