insurance related question for off road car

[R4PID]

Hi all,

Took my car off the road recently as I bought a new one and transferred my current policy over to the new car. The car has since been sat off the road on my drive. Now one of my neighbours has reversed into the car whilst backing out of there drive. Can I still claim against her insurance to have the damage fixed? I'm sure I can but what's the best way of going about this, anybody know?

[ZOLLAR]

R4PID said:

Hi all,

Took my car off the road recently as I bought a new one and transferred my current policy over to the new car. The car has since been sat off the road on my drive. Now one of my neighbours has reversed into the car whilst backing out of there drive. Can I still claim against her insurance to have the damage fixed? I'm sure I can but what's the best way of going about this, anybody know?

Yes you can claim off her insurance, If you need legal assistance try contacting your home insurer as you may have legal cover on your policy that may help.

[Proxy]

Wait, she reversed into your car while it was on your driveway?
How did she manage to reverse out of her own drive & hit YOUR car on YOUR drive?

Tisn't making sense in my head.

[R1 Indy]

why was your neighbour reversing onto your drive??

but yes i see no reason why you can't claim.

i take it your neighbour has admited fault?

[R4PID]

Proxy said:

Wait, she reversed into your car while it was on your driveway?
How did she manage to reverse out of her own drive & hit YOUR car on YOUR drive?

Tisn't making sense in my head.

Backed out of her drive and didn't apply enough lock, so ended up hitting my car which was parked on my drive. Narrow road, drives directly opposite each other.

[Proxy]

R4PID said:

Backed out of her drive and didn't apply enough lock, so ended up hitting my car which was parked on my drive. Narrow road, drives directly opposite each other.

Ah, makes sense now.
I thought your meant your neighbour next door!

Anyway, back to your original question...
I would try to claim, but I'm not sure how it'll go if the car has been SORN'd ... I really don't know much about it, I've never had to make a claim before! (yet....)

[mrmr96]

FYI, in case you were not aware, there's now rules that require all cars be either taxed and insured, or SORN. (i.e. it's mandatory to insure a car if it's not SORN.) Not having a go at anyway, or providing any advice or suggestions. Just making you aware of it.

It's called "continuous insurance enforcement" and came in pretty recently. (i.e. this year.)

[R4PID]

mrmr96 said:

FYI, in case you were not aware, there's now rules that require all cars be either taxed and insured, or SORN. (i.e. it's mandatory to insure a car if it's not SORN.) Not having a go at anyway, or providing any advice or suggestions. Just making you aware of it.

It's called "continuous insurance enforcement" and came in pretty recently. (i.e. this year.)

Triffic - which makes it a huge pain when you buy one car before selling the old one and have to transfer insurance over.

[mrmr96]

R4PID said:

Triffic - which makes it a huge pain when you buy one car before selling the old one and have to transfer insurance over.

What I usually do (and I believe it's quite common) is to buy the new car and swap the insurance policy onto that, but in the same phone call to the insurance company have them 'add the old car back on' which they can do on a temporary basis to cover this situation. It's quite common to have two cars on the one 'single car insurance policy' while you're selling the old one.

Your insurance company may not do this, but most do I believe, although it's not particularly cheap. I think I paid £2/day and renewed in 14 day increments until the old car sold.

The 'continuous insurance' thing is more of a pain if you have a low value car, which you'd not really want storage insurance for, off the road for a bit. I had an old car I wasn't using but didn't want to sell, so I parked it on my private land off the highway and cancelled the insurance. I left it taxed so that if I ever needed to use it I could get 'day insurance' or something to take it out. This scenario is no longer possible because that car will need to be either properly insured, or declared SORN. This means you can't take it out for a spin by using 'day insurance' as there would be no tax on it. The only option, if you want it available (taxed) for occasional use is to buy a full on insurance policy for it.