Insurance on a car returned to the dealer

[Dave Hedgehog]

My car has gone back and the dealer will be keeping it for a few months before i pick up its replacement, can i cancel the insurance?

I now have the private plate off it and a new V5 with the original number on it.

Edited by Dave Hedgehog on Sunday 13th May 15:39

[Fox-]

More info needed.

Your car has gone back? If its your car you can do what you like with it insurance wise provided it isn't on a public road and is SORN.

If its actually a car belonging to a lease company or its on a PCP where they own it and not you then a condition of the agreement is that it is comprehensively insured therefore until such time as you have ended the agreement, you must continue to abide by it.

[Dave Hedgehog]

its my car, its going to be p/x'd when the new one comes, its not currently sorn (cant take the plate off a sorn car?)

dealer has the car and the new tax disc, no idea what they are doing with it, assume its off road

[Fox-]

If it belongs to you, it isn't financed and it's parked in the dealers premesis and not on the road and you've declared it SORN then by all means cancel the insurance - its totally legal. Just be aware that you might have a problem if it gets nicked or something, as I've no idea what sort of arrangement you have with the dealer regarding liability etc.

[Dave Hedgehog]

Fox- said:

If it belongs to you, it isn't financed and it's parked in the dealers premesis and not on the road and you've declared it SORN then by all means cancel the insurance - its totally legal. Just be aware that you might have a problem if it gets nicked or something, as I've no idea what sort of arrangement you have with the dealer regarding liability etc.

so i would need to sorn it to uninsure it

txs

[abbotsmike]

Dave Hedgehog said:

so i would need to sorn it to uninsure it

txs

Not quite. Legally the car has to be insured at all times while it is taxed and on the road. As RK it is your responsibility to insure this is the case. If you want to cancel the insurance you need to SORN it to avoid being fined.

I'd actually say the wisest move is to speak to the dealership, as it sounds like a very odd scenario to me.

[Noger]

If the dealer has the car (you are no longer " keeping" it) and you have filled in the V5 then even though you are still the RK you would not be liable.

[Dave Hedgehog]

I doubt the dealer would want to be RK as this will add to the keeper tally on the V5

It will be less hassle just to keep it insured, I will swallow the 150 it's going to cost me