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  • FIRST POST
    • ftsos
    • By ftsos 12th Aug 17, 11:31 AM
    • 100Posts
    • 6Thanks
    ftsos
    Car insurance suggestions for special situations
    • #1
    • 12th Aug 17, 11:31 AM
    Car insurance suggestions for special situations 12th Aug 17 at 11:31 AM
    Hello Everyone,

    I need some advise. My car insurance due for renewal. I believe I have 7 years no claims. So I wanted to know if there was a car insurance for people who are mostly abroad or who drive very little. Please don't misunderstand I do not want insurance for abroad, I just need it for the UK.

    I know I probably won't be in the UK most of the time in the next 12 months. I know I won't be here at least 10 of the 12 months. But because of the uncertainty of my situation if things don't work out so well abroad I wanted to keep my car and keep it insured. Just in case.

    Please let me know if there is any insurance with lower premiums for unusual situation like this?

    Many thanks.
Page 1
    • FutureGirl
    • By FutureGirl 12th Aug 17, 11:35 AM
    • 1,018 Posts
    • 415 Thanks
    FutureGirl
    • #2
    • 12th Aug 17, 11:35 AM
    • #2
    • 12th Aug 17, 11:35 AM
    What do you want it to be insured against? Where will the vehicle be kept?
    • ftsos
    • By ftsos 12th Aug 17, 12:59 PM
    • 100 Posts
    • 6 Thanks
    ftsos
    • #3
    • 12th Aug 17, 12:59 PM
    • #3
    • 12th Aug 17, 12:59 PM
    Thanks for your reply. The vehicle will kept on the road in front of my house. The car is not valuable at all. If I came to the UK for a week or two, I want a car to drive, and I only need third party insurance in case I had an accident.

    What do you want it to be insured against? Where will the vehicle be kept?
    Originally posted by FutureGirl
    • ftsos
    • By ftsos 12th Aug 17, 1:00 PM
    • 100 Posts
    • 6 Thanks
    ftsos
    • #4
    • 12th Aug 17, 1:00 PM
    • #4
    • 12th Aug 17, 1:00 PM
    I am basically looking at living abroad, but I will still pay my taxes here, because my tiny business is registered here as a UK national, its the system I know and trust. I am going with my wife and daughter, I am afraid things may not work out, so I may fall flat on my face and have to come back, so at least initially, I am trying to keep some things going here.
    Last edited by ftsos; 12-08-2017 at 1:01 PM. Reason: add
    • Quentin
    • By Quentin 12th Aug 17, 1:47 PM
    • 33,486 Posts
    • 17,366 Thanks
    Quentin
    • #5
    • 12th Aug 17, 1:47 PM
    • #5
    • 12th Aug 17, 1:47 PM
    Because you are leaving the car parked on the road then it needs to be insured "normally" (ie not just against laid up perils like fire and theft), and not "special occasional" cover


    So don't confine yourself to TP, look at comprehensive cover which is usually cheaper than TP cover.


    Follow the MSE car insurance guide for tips (link amongst quick links at the top of the page)
    • agrinnall
    • By agrinnall 12th Aug 17, 4:14 PM
    • 18,703 Posts
    • 14,415 Thanks
    agrinnall
    • #6
    • 12th Aug 17, 4:14 PM
    • #6
    • 12th Aug 17, 4:14 PM
    Sell the car and hire one on the few occasions you need one when you are back in the UK.
    • ftsos
    • By ftsos 12th Aug 17, 5:08 PM
    • 100 Posts
    • 6 Thanks
    ftsos
    • #7
    • 12th Aug 17, 5:08 PM
    • #7
    • 12th Aug 17, 5:08 PM
    This makes the most sense. Its what I wanted to do. My wife is one of those people whose whole life is surrounded by fear, so she wants to keep it just in case it doesn't work out.

    Sell the car and hire one on the few occasions you need one when you are back in the UK.
    Originally posted by agrinnall
    • agrinnall
    • By agrinnall 12th Aug 17, 10:28 PM
    • 18,703 Posts
    • 14,415 Thanks
    agrinnall
    • #8
    • 12th Aug 17, 10:28 PM
    • #8
    • 12th Aug 17, 10:28 PM
    This makes the most sense. Its what I wanted to do. My wife is one of those people whose whole life is surrounded by fear, so she wants to keep it just in case it doesn't work out.
    Originally posted by ftsos
    I imagine it's an argument that you can't win, and probably not even worth trying, but it's even easier to buy another car if you need one than it is to sell one that you don't need in the first place.
    • ftsos
    • By ftsos 12th Aug 17, 11:48 PM
    • 100 Posts
    • 6 Thanks
    ftsos
    • #9
    • 12th Aug 17, 11:48 PM
    • #9
    • 12th Aug 17, 11:48 PM
    I know you are right. Even better, ZipCar or similar service which I have had in the past. But it took me 2 years to convince my wife to give life abroad a try. Better quality of life for the money etc And arguing this is not worth it for me right now. Thanks

    I imagine it's an argument that you can't win, and probably not even worth trying, but it's even easier to buy another car if you need one than it is to sell one that you don't need in the first place.
    Originally posted by agrinnall
    • Geoff1963
    • By Geoff1963 13th Aug 17, 12:33 AM
    • 1,056 Posts
    • 678 Thanks
    Geoff1963
    There are specialist insurance policies for classic cars which often do very low mileage, but they will come at a premium.
    because of the uncertainty of my situation . . . I wanted to X. Just in case.
    Money can solve a lot of emergency situations, and is flexible enough to be available for any of them.

    Cars deteriorate when they sit around, so you may find it doesn't work when you need it to. How about selling it to someone who will keep it "active" and let you have it back if necessary.
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