Insurance for non SORN car that's not being used

[mattnunn]

Dear All,

We've just bought a new car and need a couple of weeks to prepare and sell the old one, due to the new rules it's my understanding that if you have a car taxed it must have valid insurance, the only way you can have a car that's not insured is to declare it SORN.

I don't want to declare it SORN as I think it will effect the resale potential (it's only a 2K Volvo V40) and prevents people taking a test drive, but Sheila's Wheels (it's the wifes car) are suggesting it'll cost £118 + £45 to have the policy transferred to the new car and keep the old car as a second temporary car for a max of 49 days.

Is this reasonable, seems like a lot to me. Is there any other way of getting a policy for the car which will do 0 miles and not go onto a public highway until sold? (with short test drives the only possibility).

Regards

M

[andy-xr]

Is Day Insure type insurance an option for you?

[mattnunn]

andy-xr said:

Is Day Insure type insurance an option for you?

I'm not sure what that is but as far as understand the new regulations state unless a vehicle is SORN it must be insured, even if off the road, surely someone must do a very cheap 0 miles tpft policy?

[andy-xr]

I have a car on a laid up policy, but it's just that - insured to be in the garage under a sheet

[richardxjr]

I thought most mainstream insurers had an affordable cross-over cover for this occurrence. Direct Line do, up to 90 days. Max £30 I think, if that.

How much of that extra premium is purely for the change of main vehicle? Is the £45 for the cross over cover, if so that's not bad I suppose.

[mattnunn]

richardxjr said:

I thought most mainstream insurers had an affordable cross-over cover for this occurrence. Direct Line do, up to 90 days. Max £30 I think, if that.

How much of that extra premium is purely for the change of main vehicle? Is the £45 for the cross over cover, if so that's not bad I suppose.

Thanks for the reply, no the £45 is to change from the old car to the new (£25 admin + £20 premium on new car) the other charge is to have second car on policy for 49 days but is almost 50% of the original premium I was paying on the original car.

[richardxjr]

Well that now looks slightly less than reasonable. Got you over a barrel though really, as you won't gain by shopping around.

Perhaps try dayinsure or the like, but I bet it will come out as more though.

For just a couple of weeks, if it were me and the car wasn't of huge value, I'd stick it in the garage uninsured and risk a fine for this stupid pointless new tax.