7-day free insurance

[porty]

I have arranged the free Audi 7-day insurance ready for delivery on 1 September, basically because it is the easiest way for the dealer to be able to tax the car. However, I mentioned to my dealer that I would need to agree a handover time so that I could switch over my own insurance. A little later in an email, I got this from my dealer:

"Please remember that you cannot have two fully comprehensive insurance policies running on the same vehicle for the same person at the same time. If you do, they will cancel each other out and you would not be insured by either policy.

With this in mind it would be best to have your existing insurer start the S4 cover for when the complimentary Audi Insurance has finished."

The only problem with this is that the Audi 7-day insurance has a greater excess (£300 to my £100) and will probably not have the optional motor legal protection and protected no-claims bonus that I have. I am aware that insurance policies do have clauses stating that they will not cover what someone else is insuring, but I always thought that that was to avoid being able to claim twice, not that each insurer would refuse to pay, leaving you with no insurance at all.

What do people think?

I have used this free 7-day insurance on my last four car purchases and never thought anything of it. As I have more time with this purchase, I do have time to get my own policy amended ready for 1 September and provide my Audi dealer with my own insurance certificate and cancel the free policy. That would seem the safest thing to do.

[ScottyUK]

I'd take the 7 days and start the new policy at the end of it....infact I did in April and I will in September.......errr actually maybe I won't as I'll just have to transfer my existing policy! doh!!

[porty]

Thanks ScottyUK. The only problem with the 7-day insurance is that my own insurance is better - I have an excess of only £100 (as opposed to Audi's £300), I have optional motor legal protection and I'm not sure about whether my no claims bonus would be protected with the Audi insurance as it is an optional extra on my own policy and something that I wouldn't want to risk being without, even for a week - to lose 7 years no claims bonus for no reason would be a shame, to say the least!

[porty]

I've just checked the policy conditions on the website (which they only direct you towards AFTER you've arranged the insurance in a phone call!) and the free insurance DOES include motor legal protection, but protecting your no claims bonus is listed as an option, at an additional cost, I presume? Still comes down to the excess being much more than my own and, as ScottyUK has said, I will still have my own insurance in existence so I won't really save anything by putting off transferring it by a week because I am moving from one group 18 car (a BMW 335i Saloon) to another.