Insurance when vehicle in for repair

[creampuff]

Insurance on car is about to expire.

Car is in repair shop for about 2.5 weeks as somebody drove into it.

Car is taxed.

Since the car is in a repair shop, can I let the insurance run out and renew it only when I pick it up in 2.5 weeks, thereby saving myself about 2-weeks worth of insurance?

[trashbat]

As ever I could be wrong, but continuous insurance law means you'd have to SORN it and that means handing the tax in. Unless your premium is ridiculous, not even close to worth the hassle.

You'd also have to check with the garage that their insurance covers it to an extent you're both happy with, e.g. they don't park it on the road or anything.

[creampuff]

I would have thought that the continuous insurance would be covered by the garage's insurance. I don't want to SORN it, because what happens when the garage go outside to test drive it. And there are permanently mounted ANPR cameras not that far from the garage.

The other benefit to waiting is the two insurance companies (mine and the chump who drove into me) haven't finished assigning liability yet. I'd rather renew with "no at-fault claims" than an "undecided claim".

[trashbat]

You'll be the registered keeper and it won't be on AskMID, or SORNed, or registered as in trade, so you'll fall foul of the CIE obligations. At least I think so.

I've no idea whether a garage driving a SORNed car is a problem. Probably not on trade plates.

It's a cludge, but I think you'd be better off taking out a policy and cancelling it within 14 days.

Edited by trashbat on Monday 7th July 11:50

[Old Merc]

I'm a garage owner and questioned this type of thing with my broker,as I collect and deliver my customers cars,sometimes they are parked in my driveway etc,what would my position be if the customer's car was uninsured.
As soon as it's handed over the car will be covered by my motor traders policy,the same applies with the OP's car.

[trashbat]

Do you/can you add customer vehicles to the MID? That would solve the OP's problem but otherwise I still think he's breaking the Continuous Insurance Enforcement law. Even though it's insured. You as the garage are probably blameless regardless.

[Old Merc]

[quote=trashbat]Do you/can you add customer vehicles to the MID?
No,if I did I would be on the phone to my insurer every other hour.The point I'm making is that I or my mechanics are insured if we drive a customers car that HE has not insured.What may happen is that this car could be stopped by the police when driven by me because their NPR has flagged it up as uninsured.
Us traders have to be very careful jumping into lots of customers cars very day.They could have no tax,no MOT and be un road worthy etc eitc, 50 years in the trade I could tell a few stories.

[dacouch]

creampuff said:

Insurance on car is about to expire.

Car is in repair shop for about 2.5 weeks as somebody drove into it.

Car is taxed.

Since the car is in a repair shop, can I let the insurance run out and renew it only when I pick it up in 2.5 weeks, thereby saving myself about 2-weeks worth of insurance?

You need to be aware that there can be instances that a customers car could sustain damage at a repairers that would may not be covered by the traders motor trade insurance.

There's a small chance that if the car was stolen or caught fire that the Motor Trade Insurers may not pay out due to it not being the traders fault