10 replies to this topic

[BusheyTrader]

Hi,

I've invested a few hundred pounds in replacement panels for Spike to replace the stuff swept off the floor.

I guess I should get him insured in case the worst happens further along the rebuild. Any idea who's best for this out there and the most classic Mini friendly?

(My TR7V8 costs only £10 more at £130 for 3,000 limited mileage compared to laid up in the garage going nowhere)


Thanks,


Adam

[AVV IT]

Don't bother with HIC for laid up insurance, they recommended it to me, but then when I rang back up to arrange it a few months later they told me there was no such thing!!

I'd give Footman James a call. I don't know if they do laid up insurance, but they are the most classic mini friendly insurance company I've dealt with so far.

[Nathan94]

Don't bother with HIC for laid up insurance, they recommended it to me, but then when I rang back up to arrange it a few months later they told me there was no such thing!!

I'd give Footman James a call. I don't know if they do laid up insurance, but they are the most classic mini friendly insurance company I've dealt with so far.

If you did that though it'd have to b taxed which is more money

But then I suppose you could always drive it then if you needed to :)

[stickycreambun]

As a guide - when Oscar was last on the road last year, when my insurance expired from Footman James I was offered renewel for about £137 I think it was, or laid up cover for I think about £60.

[wainesworld]

Adrian flux told me they dont do laid up insurance however as my fully comp is only £150 I went with that.

[AVV IT]

Don't bother with HIC for laid up insurance, they recommended it to me, but then when I rang back up to arrange it a few months later they told me there was no such thing!!

I'd give Footman James a call. I don't know if they do laid up insurance, but they are the most classic mini friendly insurance company I've dealt with so far.

If you did that though it'd have to b taxed which is more money

But then I suppose you could always drive it then if you needed to :)

Erm.....I'm fairly sure that if a car is taxed then it needs to be insured, not the other way around. So if you want to pay money to insure a car that is not on the road then that is entirely up to you, there is no legal obligation for you to tax it. (obviously a car that is off the road and is not taxed has to be on a SORN). Besides "laid up" insurance is more like home contents insurance than motor insurance any way. It doesn't provide you with the third party cover required for the vehicle to be driven on the public highway and therefore would not appear on the motor insurance database. Therefore in the eyes of the DVLC/Police a car with "laid up" insurance wouldn't be insured anyway.

Edited by AVV IT, 01 January 2012 - 06:58 PM.

[BusheyTrader]

Road Tax can't be issued without valid insurance but it's up to you if you want to insure your car if you declare it off the road / SORN.

For £60 or so I'd be glad to insure it for a year laid up / rebuilding just in case the worst happens.

And the worst does happen sometimes..........................

Cheers,


Adam

[AVV IT]

Road Tax can't be issued without valid insurance but it's up to you if you want to insure your car if you declare it off the road / SORN.

Yes it's always been the case that you need to have insurance to get a tax disc, but I think that Nathan94 was referring to the recent change in the law that means that any car that is taxed now has to remain insured. If your insurance policy lapses and you do not renew it, you now have to surrender the tax and SORN the vehicle otherwise you receive an automatic fine. It's an attempt to try and reduce the amount of uninsured drivers out there and to prevent people from taking out an insurance policy just in order to get a tax disc, then cancelling the policy having only paid the first months premium.

[BusheyTrader]

Ok, I see what you're getting at. A couple of years ago I couldn't get my Triumph MOT'd before the road tax ran out. I SORN'd it in advance for the following month but kept it insured to keep it protected. 2 weeks later it went through its MOT and I retaxed it from the beginning of the month.

I copied this off the DirectGov website. http://www.direct.go...rance/DG_186696
If you're the registered keeper of a vehicle, it must be insured at all times.
The exceptions are:

• if you have made a SORN for the vehicle
• if your vehicle has been kept off-road since before SORN came into force on 31 January 1998 – unless it was brought back into use
• if your vehicle is recorded as stolen, passed or sold to the motor trade or between registered keepers
• if your vehicle is recorded scrapped or permanently exported by the Driver and Vehicle Licensing (DVLA)

Those Police, Camera, Action programs on the TV are full of drivers who've paid just 1 month's insurance premium to get a tax disc on their motor. The ANPR patrol cars still recognise them. A bit of inconvenience is worth it if it helps keep them off the road.

Edited by BusheyTrader, 03 January 2012 - 09:55 PM.

[Nathan94]

I might get some of this laid up insurance if it's around £15 a month.

And because it's not proper insurance if some one smashed it up, would it affect my no claims?

[AVV IT]

I would imagine that any claim would still effect your no claims, as laid up insurance is still a form of motor insurance after all. But you would have to check with the individual insurer to be sure.