Car in garage for long time insurance?

[Upatdawn]

If a car is in a workshop for maybe 3 months, what is the best plan regarding insurance?

i know DVLA can warn the owner about a possible fine

"The registered keeper of a vehicle that appears to be uninsured will be sent an Insurance Advisory Letter (IAL). This letter will advise them their vehicle appears to be uninsured and unless they take action they will receive a penalty from the DVLA."

At which point would it be best to SORN it?

This is besides the question of does the garage insurance cover potential loss?

(its a main dealer BTW)

[Saleen836]

If it currently has insurance just leave it running,or if the insurance runs out while in the garage just renew as normal, doubt it would be worthwhile cancelling insurance just because the car will be off road for 3 months

[jondude]

Unless your renewal is early within that period (so it lapses), cancelling will cost you admin fees and loss of another year's NCD.

Insurers rarely if ever refund premiums on days left (yearly £365, you cancel on day 300 and get 65 back) but their own pro-rata rates which typically mean zilch once the policy is 4- 5 months in - and little back before that. It will be in the conditions, as will the admin charge.

If you are building NCD it is best to leave it, at least you won't risk an accident in that period

[ARHarh]

Just sorn it when it goes in if you want to it will then not need insurance and you wont get a letter. You may also get a tax rebate. But if it was me I would just keep it taxed and insured therefore you won't get a letter or any admin to deal with.

[Sheepshanks]

Upatdawn said:

This is besides the question of does the garage insurance cover potential loss?

Certainly be worth checking and getting something in writing if you'te going to rely on it - I've seen a few disputes about cars being stolen or destroyed by fire (both within the vehicle and the premises) and apparently the garages insurance doesn't usually cover it.

[Upatdawn]

the insurance is for taxi use, and it ran out 17th feb, i wasnt renewing that, plus ive had to find/insure a banger for transport, taxi insurance is £1600

as soon as its fixed im getting rid of it

[Old Merc]

If the car is in a Main Dealer workshop it will be covered by their motor traders policy. Mind you its advisable to keep your own private policy as well.