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Still need to insure a car if its off the road ?
#1412913
25/02/2013 20:50
25/02/2013 20:50
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Joined: Jun 2008
Posts: 315 Kent
Rob_78
OP
Club member 1081
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OP
Club member 1081
Making a profit
Joined: Jun 2008
Posts: 315
Kent
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Just wanted to know if I were to take a car off the road say for a year, would I still need to insure it even if its stored away in a garage ?
Cheers
LE 557 - full on resteration in progress
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Re: Still need to insure a car if its off the road ?
[Re: Rob_78]
#1412969
25/02/2013 23:27
25/02/2013 23:27
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Joined: Dec 2005
Posts: 8,417 Lightwater, Surrey
DaveG
Club Treasurer Member 311
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Club Treasurer Member 311
Je suis un Coupé
Joined: Dec 2005
Posts: 8,417
Lightwater, Surrey
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And as long as nothing happens to it when in the garage,eg: roof falls in, leak ruins the paintwork etc., or someone breaks in and trashes it...you might want to consider 'off road' cover if there is such a thing?
1996 Portofino 20vt & 2000 Pearl White Plus 1985½ & 2016 2017 Fiat 124 Spider + XF Sportbrake
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Re: Still need to insure a car if its off the road ?
[Re: Rob_78]
#1413124
26/02/2013 20:55
26/02/2013 20:55
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Joined: Sep 2009
Posts: 5,018 ation
szkom
Club member 2000
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Club member 2000
Forum is my life
Joined: Sep 2009
Posts: 5,018
ation
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Just thinking out load here; but might you be covered by your house/contents insurance if the garage is at your house?
Last edited by szkom; 27/02/2013 13:20. Reason: against damage while the car is off the road
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Re: Still need to insure a car if its off the road ?
[Re: enfant_teribl]
#1413251
27/02/2013 13:57
27/02/2013 13:57
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Joined: Sep 2006
Posts: 17,227 FCSS 01684 593187
Countrycruising
Club Rep Europe, member 914
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Club Rep Europe, member 914
Forum veteran
Joined: Sep 2006
Posts: 17,227
FCSS 01684 593187
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When a car is SORN'd, are you allowed to drive it to a MOT garage, or to get it repaired? Yes you can drive it to an MOT station when SORN, but it must be booked in and insured.
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Re: Still need to insure a car if its off the road ?
[Re: szkom]
#1413414
28/02/2013 10:04
28/02/2013 10:04
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NeilWilliesInsurance
Unregistered
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NeilWilliesInsurance
Unregistered
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Unfortunately, motor vehicles are usually specifically excluded from Household Insurance Policies.
There are 'laid-up' motor policies that provide cover for a car for Fire and Theft Only whilst in a garage - I can arrange one of these, if interested please give me a call.
Thanks Sarah
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Re: Still need to insure a car if its off the road ?
[Re: Rob_78]
#1413609
01/03/2013 10:09
01/03/2013 10:09
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NeilWilliesInsurance
Unregistered
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NeilWilliesInsurance
Unregistered
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All policies we offer are 12 month motor policies, so whether you were to take out a Fire & Theft/Laid Up policy or a Comprehensive policy it would have to be a 12 month policy.
Unfortunately you cannot take out one policy that is a combination of the two to cover a 12 month period. You can obviously take one out and cancel it and then take out another but both would be non-refundable, so you would end up paying twice!
What I do is take out a limited mileage policy for 12 months, bearing in mind our car is always sorn during the winter months, calculating the mileage we expect to do during the period it will be on the road. This way we benefit from a reduced premium due to low miles and have fully comprehensive cover at all times, just in case, you never know what might happen.
Thanks Sarah
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