Insuring a car which won't be driven on that policy?

[Kiltie]

My mother has stopped driving.

It's been decided to keep her car though so that people visiting her can use it.

The assumption is that they will be insured themselves.

We didn't re-insure the car (it's a 14 year old Polo).

It's taxed and MOTd.

I now discover that this is an offence (and we've incurred a £50 fine).

The car is kept in a garage all the time.

Seems daft that we have to insure it but the law is the law.

Does anyone know if there's any kind of policy that would suit this? (e.g. a zero miles policy)

[Kiltie]

Lordbenny said:

Shirley you can insure it for fire and theft only? What do people do if they have an expensive classic they are restoring over a few years and not driving for example?

I suppose they'd put the car on a SORN though.

I don't want to do this as I want to be able to use the car.

[Kiltie]

Ace-T said:

Laid up zero mileage policies are available. Getting Mot is tricky as you will have to day insure and then tell the laid up policy insurance the mileage has changed. It is a bit of a minefield and I am not sure the insurers would be keen. Probably best you keep and use or get rid.

I though that would be ok though as the policy wouldn't actually cover the car being driven.

If I was taking it for an MOT, it would be insured via my own policy.

[Kiltie]

Rickyy said:

Most policies that allow you to drive another car third party, usually stipulate that the car must be insured.

AFAIK, visitors won't be able to hop in the car and drive it, unless the car is insured to be driven on the road. Happy to be corrected, but has always been the case when I've had the "drive other car" entitlement on my policies.

Not to mention the trouble it may attract with ANPR.

Aha, this makes sense ... and I'm thinking I've perhaps been mistaken. Thanks.