"Parked car" insurance

[anonymous-user]

[redacted]

[MitchT]

If it's going to be parked on the road then it can't be SORNed which means (and correct me if I'm wrong someone) that it'll have to be insured as it would if it were in use. Probably won't make much difference to the premium anyway and it'll be useful to be able to press it into action if you need to unexpectedly.

[elanfan]

Just ask your usual insurer for laid up AD fire and theft cover.

[Titfer]

elanfan said:

Just ask your usual insurer for laid up AD fire and theft cover.

It's not laid up as it is parked on the road.

Might be worth looking at the providers that charge by the mile.
Cheapest way would be to park it on your drive and leave one of the other cars on the road.

[Monkeylegend]

elanfan said:

Just ask your usual insurer for laid up AD fire and theft cover.

I would be surprised if this covered a car left parked on a public road but I stand to be corrected.

When I was looking at it for one of my cars it had to be parked off road in a locked/secure garage or similar.

[TwigtheWonderkid]

elanfan said:

Just ask your usual insurer for laid up AD fire and theft cover.

That would be illegal for a car kept on the road.

[whirlybird]

FFS, Its only a Kia, junk it

[KungFuPanda]

MitchT said:

If it's going to be parked on the road then it can't be SORNed which means (and correct me if I'm wrong someone) that it'll have to be insured as it would if it were in use. Probably won't make much difference to the premium anyway and it'll be useful to be able to press it into action if you need to unexpectedly.

Who mentioned SORN?

[Earthdweller]

How much is the difference in premium likely to be ?

Negligible I’d have thought?

Insurers would probably see an unattended car left for months as a higher risk than one in regular use

I’d just keep the insurance as normal or look at multi car insurance to lower costs .. plus you’d still have the option to drive it occasionally and keep it all working properly or if your other car was faulty

[jondude]

What happens if the car is parked but taxed and MOT'd (no insurance)?

Do the police try to contact the owner via DVLA records and then clamp the car with a note it will be towed and crushed if no proof of insurance (or fine paid for same) is sorted within 48 hours?

I know when I change insurer the police database (MID) is rarely updated for days, meaning yes so far as the police ANPR check goes, I am not insured.

(I do actually make sure I park on the drive during this period as yes, don't want to wake up and the car is clamped or gone!)

[KungFuPanda]

Earthdweller said:

Insurers would probably see an unattended car left for months as a higher risk than one in regular use

I don’t think so. A vehicle that is being used regularly surely has a higher risk of causing damage / injury to a third party rather than one that remains parked up.

[davek_964]

anonymous said:

[redacted]

Surely you could keep the car you're not using on the drive and start parking one of the cars you are using on the road?

[matt2911]

anonymous said:

[redacted]

It’s an offence to have it taxed but not insured and they don’t need it attended to post you the advisory letter and then post the fine.

Google Continuous Insurance Enforcement.

[Pica-Pica]

I would say you should insure it (legally have to if on the road). I would look for the cheapest insurance mileage, but I would suspect that declaring an extremely low annual mileage would not give any savings, and may indeed raise questions with the insurers.