Sorned car in locked garage, let insurance lapse
Discussion
Cant edit title spelling errors should be
In locked car let insurance lapse
Got a Z4 3.5i as summer car which SORN over winter months. Its in a locked garage. In previous years have always kept insured fully comprehensive. Have tried to save by getting a laid up policy but have always found this lacking in terms of cover or minimal saving against leaving compressive insurance in place. Renewal beginning of April but like all other insurances gone up 25% and maxing out comparison sites can't find a cheaper quote.
Considered leaving and renewing early May -depending on weather. Any consensus on doing this and if so what additional security measures do you take?
In locked car let insurance lapse
Got a Z4 3.5i as summer car which SORN over winter months. Its in a locked garage. In previous years have always kept insured fully comprehensive. Have tried to save by getting a laid up policy but have always found this lacking in terms of cover or minimal saving against leaving compressive insurance in place. Renewal beginning of April but like all other insurances gone up 25% and maxing out comparison sites can't find a cheaper quote.
Considered leaving and renewing early May -depending on weather. Any consensus on doing this and if so what additional security measures do you take?
Edited by twokcc on Sunday 19th March 18:30
Crikey, that took some reading.
I've had SORNed cars uninsured for a few months on a couple of occasions, once on my drive, once in a secure-ish car park. I didn't do anything specific about security. In both cases I'd have been annoyed rather than financially distressed by a total loss, not sure I'd do it with anything especially valuable or prone to theft, but the reality is that most cars go through their entire lives without being nicked.
I've had SORNed cars uninsured for a few months on a couple of occasions, once on my drive, once in a secure-ish car park. I didn't do anything specific about security. In both cases I'd have been annoyed rather than financially distressed by a total loss, not sure I'd do it with anything especially valuable or prone to theft, but the reality is that most cars go through their entire lives without being nicked.
Lo-Fi said:
GPTchat wrote this, right?
Ha, no chance. I asked it to write a question like this and here is its output: ChatGPT said:
"As an avid BMW Z4 3.5i enthusiast, I'm contemplating whether to opt for fully comprehensive insurance or a 'laid-up' policy during the winter months when my car is off the road and SORN registered. The car is stored in a locked garage during this period. Has anyone in this community had experience with either option for a high-performance vehicle like the Z4 3.5i, and which do you think is the better choice considering the storage location? I'm also curious about any potential cost savings between the two options. Keep in mind that my policy renews in April. Thank you in advance for your insights."
Is it in a locked garage at your house, or in a lock-up somewhere else? I've heard quite a few sad stories about cars in separate lock-ups being vandalised / burned out, conversely if the car's in a garage at home then it feels subjectively a lot safer.
As said the main risks are fire or theft, fire doesn't seem that likely to me as it's not a BMW diesel ;p and a fairly modern car. As said battery out would seem to minimise this risk.
Is it convenient to park another car in front of the garage? that would further reduce the chance of it being stolen I guess.
Personally I reckon ok if it's at your house, not if it's in another location.
samoht said:
Is it in a locked garage at your house, or in a lock-up somewhere else? I've heard quite a few sad stories about cars in separate lock-ups being vandalised / burned out, conversely if the car's in a garage at home then it feels subjectively a lot safer.
As said the main risks are fire or theft, fire doesn't seem that likely to me as it's not a BMW diesel ;p and a fairly modern car. As said battery out would seem to minimise this risk.
Is it convenient to park another car in front of the garage? that would further reduce the chance of it being stolen I guess.
Personally I reckon ok if it's at your house, not if it's in another location.
This pretty much sums up my opening questions.As said the main risks are fire or theft, fire doesn't seem that likely to me as it's not a BMW diesel ;p and a fairly modern car. As said battery out would seem to minimise this risk.
Is it convenient to park another car in front of the garage? that would further reduce the chance of it being stolen I guess.
Personally I reckon ok if it's at your house, not if it's in another location.
My personal decision tree would be.
If it’s in a locked and alarmed garage at home, I would consider a laid up policy.
But, if it’s in public block of garages, I would want full cover theft insurance.
TonyRPH said:
rainmakerraw said:
<funny stuff>
That's funny, but oh so accurate.Maybe more PH'ers should use ChatGPT - just think of the improved spelling and grammar!
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