Discussion
Hi,
Im looking for some information with regard to obtaining insurance and road tax whilst currently serving a ban.
In recent months I picked up a 32 month Ban for a first offence (not only the ban but other things also). The ban will be reduced to 24 months on attending a drink aware course. The offence even though I was quite over the limit I was not driving the car and nor were keys in ignition. Stupid as that was still on my part, this is a different topic im taking up legally.
Last year I spent a considerable amount of money on a car, and now im in a position of weather i keep it or sell it. Currently my insurance company let me switch the insurance over to my girlfriend as she lived in the same house. However we will be living separate soon which means I think my current insurer will cancel the policy.
Are there any options out there I can take with regard to having it fully insured somehow and also taxing it? I really do not want to sell the car as financially I would be hitting a great loss.
I hope this is a case allot of people will read and learn from also.
Thank you in advance.
Im looking for some information with regard to obtaining insurance and road tax whilst currently serving a ban.
In recent months I picked up a 32 month Ban for a first offence (not only the ban but other things also). The ban will be reduced to 24 months on attending a drink aware course. The offence even though I was quite over the limit I was not driving the car and nor were keys in ignition. Stupid as that was still on my part, this is a different topic im taking up legally.
Last year I spent a considerable amount of money on a car, and now im in a position of weather i keep it or sell it. Currently my insurance company let me switch the insurance over to my girlfriend as she lived in the same house. However we will be living separate soon which means I think my current insurer will cancel the policy.
Are there any options out there I can take with regard to having it fully insured somehow and also taxing it? I really do not want to sell the car as financially I would be hitting a great loss.
I hope this is a case allot of people will read and learn from also.
Thank you in advance.
If it‘s not going to be driven, you can declare it SORN (Statutory Off Road Notification), provided it‘s on a private driveway or in a garage - i.e. not parked on the road. You can get insurance policies from the likes of Adrian Flux that cover fire and theft only, i.e. policies for car storage. They are generally quite affordable, I was quoted about £65 per year fire and theft only for storing my BMW in a private garage.
k off but what happened? That's quite a hefty ban...B17NNS said:
That's a hefty ban (maximum?). I'm assuming drunk in charge?
On its own drunk in charge isn't even a mandatory ban at all - penalty depends on the circumstances. Drunk in charge is however a minimum penalty of 10 points which can make life exciting if your licence isn't squeaky clean.please concentrate only on below. would appreciate it if anyone has some ideas:
the problem is my HPI agreement requires it to be insured full comp. Then i have the situation of getting the car to the garage for year 1 and 2 service to keep in with the 3 year warranty.
storage is an option, but still have the issue of getting it serviced and ideally out and about now and again by someone to keep it ticking over.
Any suggestions?
the problem is my HPI agreement requires it to be insured full comp. Then i have the situation of getting the car to the garage for year 1 and 2 service to keep in with the 3 year warranty.
storage is an option, but still have the issue of getting it serviced and ideally out and about now and again by someone to keep it ticking over.
Any suggestions?
You can not insure it fully comp including road risks as you do not hold a licence for that vehicle. Check the T&Cs of any policy and you'll see this. The advice you've had regarding laid up policies is the correct answer this covers fire and theft and damage on a car stored off-road and SORNed. That will suffice for your HP company.
Anyone who has Driving Other Cars on their own policy that does not require the other car to be insured can drive your car on a Third Party Only cover basis for a quick run.
Anyone who has Driving Other Cars on their own policy that does not require the other car to be insured can drive your car on a Third Party Only cover basis for a quick run.
oOoiceoOo said:
please concentrate only on below. would appreciate it if anyone has some ideas:
the problem is my HPI agreement requires it to be insured full comp. Then i have the situation of getting the car to the garage for year 1 and 2 service to keep in with the 3 year warranty.
storage is an option, but still have the issue of getting it serviced and ideally out and about now and again by someone to keep it ticking over.
Any suggestions?
Do you have a kindly old relative with a good claims history that lives locally? Insure them on the car, it'll be much cheaper - and they can drive it to the service as well. the problem is my HPI agreement requires it to be insured full comp. Then i have the situation of getting the car to the garage for year 1 and 2 service to keep in with the 3 year warranty.
storage is an option, but still have the issue of getting it serviced and ideally out and about now and again by someone to keep it ticking over.
Any suggestions?
Is the car less than a year old? If so, sell it. It'll be worth so much less when you get your license back, so if you keep it, you are also taking a big loss. Insuring it and worrying about the logistics of servicing adds insult to injury. You'll only have a fraction of that 3 year warranty left when you get your license back.
LoonR1 said:
You can not insure it fully comp including road risks as you do not hold a licence for that vehicle. Check the T&Cs of any policy and you'll see this. The advice you've had regarding laid up policies is the correct answer this covers fire and theft and damage on a car stored off-road and SORNed. That will suffice for your HP company.
Anyone who has Driving Other Cars on their own policy that does not require the other car to be insured can drive your car on a Third Party Only cover basis for a quick run.
Loon is the resident guru on insurance, so that sorts that bit of the thread out, and we can concentrate on the story about the keys.Anyone who has Driving Other Cars on their own policy that does not require the other car to be insured can drive your car on a Third Party Only cover basis for a quick run.
Do carry on.
LoonR1 said:
You can not insure it fully comp including road risks as you do not hold a licence for that vehicle. Check the T&Cs of any policy and you'll see this. The advice you've had regarding laid up policies is the correct answer this covers fire and theft and damage on a car stored off-road and SORNed. That will suffice for your HP company.
Is this true? If you are the owner/RK of a vehicle do you have to have a licence to insure it? Can you not insure it for (named) others to drive but hold the policy in your name? Beggarall said:
Is this true? If you are the owner/RK of a vehicle do you have to have a licence to insure it? Can you not insure it for (named) others to drive but hold the policy in your name?
I'm sure there are the odd specialised policies out there that may do this but every mainstream policy that you come across will have that stipulation in there of ten qualified with the words "and is by banned or otherwise disqualified from driving". B17NNS said:
The amount of times I've driven to a pub knowing I'll leave the car overnight and subsequently popped out to the car mid session to get a pack of smokes or a jacket doesn't bare thinking about. Scary charge this.
You would have to do a lot more than this to be done for drunk in charge. Gassing Station | Speed, Plod & the Law | Top of Page | What's New | My Stuff