Insuring a car off the road.

[98elise]

I'm going to take one of my cars off the road for about 6 months, possibly longer. I'm going to use my NCD on another car, so whats the best way to insure the car off the road?

Confused won't let you put in zero miles.

[TVdinneR]

98elise said:

I'm going to take one of my cars off the road for about 6 months, possibly longer. I'm going to use my NCD on another car, so whats the best way to insure the car off the road?

Confused won't let you put in zero miles.

Declare it SORN with the DVLA, then you wont be required to insure it.

[xRIEx]

You could try looking at a multicar policy, that might be the easiest of ways to transfer the NCB.

Alternatively, do a change of vehicle on your existing policy to the one you're going to be driving; then take out a new policy for the one off the road. The cover you want is Laid Up (Accidental Damage, Fire & Theft (ADF&T) or Fire & Theft). I'm not aware of companies that will do this for you from the outset, you may be able to take out a policy and then remove road use afterwards.

[98elise]

TVdinneR said:

98elise said:

I'm going to take one of my cars off the road for about 6 months, possibly longer. I'm going to use my NCD on another car, so whats the best way to insure the car off the road?

Confused won't let you put in zero miles.

Declare it SORN with the DVLA, then you wont be required to insure it.

I still want it covered against theft though.

[JPearson]

98elise said:

TVdinneR said:

98elise said:

I'm going to take one of my cars off the road for about 6 months, possibly longer. I'm going to use my NCD on another car, so whats the best way to insure the car off the road?

Confused won't let you put in zero miles.

Declare it SORN with the DVLA, then you wont be required to insure it.

I still want it covered against theft though.

+1 on this remark last thing you want is it being nicked !

[E30M3SE]

Look into Laid up insurance policies.

[98elise]

xRIEx said:

You could try looking at a multicar policy, that might be the easiest of ways to transfer the NCB.

Alternatively, do a change of vehicle on your existing policy to the one you're going to be driving; then take out a new policy for the one off the road. The cover you want is Laid Up (Accidental Damage, Fire & Theft (ADF&T) or Fire & Theft). I'm not aware of companies that will do this for you from the outset, you may be able to take out a policy and then remove road use afterwards.

I might try on a multi car, my new car is insured with Admiral. The savings between a full policy and laid up would be small if I can use the NCD on both.

[LuS1fer]

I can't click on your profile in work but if either is old enough to be a classic (my 2005 Mustang qualifies) the classic line insurance don't require NCB.

[OlberJ]

Can you get laid up insurance still?

I thought with the new rules on SORN and insurance it made this impossible?

[xRIEx]

OlberJ said:

Can you get laid up insurance still?

I thought with the new rules on SORN and insurance it made this impossible?

If the car is SORN'd it doesn't need to be insured.

[OlberJ]

Yes, i know but can you insure it against theft if it is SORN?

[xRIEx]

OlberJ said:

Yes, i know but can you insure it against theft if it is SORN?

Yes - SORN is a requirement of no insurance; no insurance is not a requirement of SORN, i.e. you can have insurance if you wish.

[OlberJ]

Can you show me where it says that please?

Reason i am asking is that they recently changed some rules with regards to a car being taxed and insured.

If it's not taxed, it has to be sorned.

And if it's insured it has to be taxed.

If it's taxed it has to be insured.

It was to cut down on uninsured drivers.

I'm wondering if someone has the definition or wording now in place? At work and can't go trawling the DVLA website.

[crofty1984]

E30M3SE said:

Look into Laid up insurance policies.

This.

[Liquid Tuna]

I've looked into this as I'm about to do the same, for possibly longer than 6 months. In the end I decided I'm going to SORN it and NOT insure it. I'll stop it getting nicked by parking it without any spark plugs in it, brimmed with oil to the top of the engine with oil and I'll take the battery off it. It'll help if you can stick it in a garage as well.

[OlberJ]

Liquid Tuna said:

I've looked into this as I'm about to do the same, for possibly longer than 6 months. In the end I decided I'm going to SORN it and NOT insure it. I'll stop it getting nicked by parking it without any spark plugs in it, brimmed with oil to the top of the engine with oil and I'll take the battery off it. It'll help if you can stick it in a garage as well.

I had 2 Mr2's sitting on my drive.

One with no engine in front of one with an engine but not connected up.

No wheels on either of them, on axle stands.

Some piekeys came along with a hi-ab during the day and lifted both cars, police weren't interested. I'd quite like to find out if it is now possible to insure a car while it is off the road and SORN'd.

[Ash From Flux]

Laid up policies are usually set for 12 months but can obviiously be cancelled, however as they can be quite inexpensive you would not normally get a refund when you cancel them. That's worth bearing in mind.

[crofty1984]

OlberJ said:

Can you show me where it says that please?

Reason i am asking is that they recently changed some rules with regards to a car being taxed and insured.

If it's not taxed, it has to be sorned.

And if it's insured it has to be taxed.

If it's taxed it has to be insured.

It was to cut down on uninsured drivers.

I'm wondering if someone has the definition or wording now in place? At work and can't go trawling the DVLA website.

It's my understanding that if a car is taxed then it has to be insured. The "thinking" being that if you have a car taxed, why aren't you using it on the road?

So if you have to take the insurance off a vehicle. You have to declare it SORN.

You CAN have an insurance policy on the car and keep it on SORN, such as layup insurance.

The legislation is to stop taxed cars having no insurance, not to stop insured cars having no tax.

I assume it's like having house contents insurance, etc. It's not so much "a vehicle" being insured as you're not using it for transport. It's just a "car shaped possession" that you don't want getting nicked.

[xRIEx]

OlberJ said:

Can you show me where it says that please?

These links say what you must (or must not) do to comply with the law; they don't state what you may do within the law.

http://www.direct.gov.uk/en/motoring/owningavehicl...

http://www.direct.gov.uk/en/Motoring/OwningAVehicl...

OlberJ said:

And if it's insured it has to be taxed.

If it's taxed it has to be insured.

First statement is incorrect, second statement is correct.

[RizzoTheRat]

I had a Fiesta insured through the NFU (broker, can't remember who the underwriter was though) when I started uni and woulldn't be using it for a while. Phoned them up and they quite happily dropped it to fire and theft only, which cost a pittance.