Non-driver car insurance policy

athorn

Hi,
Has anyone heard of non-driver car insurance policies? my mum has got one of these from Saga but we're looking around to try and get a more competitive quote. She doesn't drive but has got a car left from when her husband passed away which we need it insured until it is sold. Any ideas? Thanks

superfran_uk

If she's not using it then it should be registered SORN - you won't have to insure it then although it can't be driven.

Info here: http://www.taxdisc.direct.gov.uk/EvlPortalApp/application?origin=vnav_bar.jsp&event=bea.portal.framework.internal.refresh&pageid=Declare+SORN

scheming_gypsy

superfran_uk wrote: »

If she's not using it then it should be registered SORN - you won't have to insure it then although it can't be driven.

does SORN pay out if it's stolen then....

Flyboy152

superfran_uk wrote: »

If she's not using it then it should be registered SORN - you won't have to insure it then although it can't be driven.

Info here: http://www.taxdisc.direct.gov.uk/EvlPortalApp/application?origin=vnav_bar.jsp&event=bea.portal.framework.internal.refresh&pageid=Declare+SORN

That is assuming the OP's mother has somewhere off road and secure to store it.

Hammyman

She needs to look at a "Lay Up" policy which is common in the classic car scene. Try Adrian Flux and Chris Knott insurance brokers.

atrixblue.-MFR-.

Hammyman wrote: »

She needs to look at a "Lay Up" policy which is common in the classic car scene. Try Adrian Flux and Chris Knott insurance brokers.

cant use that type of insurance unless she has somewhere to store it. has to be minimum third party risk to be kept on street.

laid up policy is exactly that its stored away.

Hammyman

atrixblue.-MFR-. wrote: »

cant use that type of insurance unless she has somewhere to store it. has to be minimum third party risk to be kept on street.

laid up policy is exactly that its stored away.

Where in the OPs post does it say it is parked on the street?

athorn

Thanks for your replies. It is kept in a garage, we only want it insured incase something happens - garages do get broken into! and also so that I can drive it for a test drive for someone as we are trying to sell it....

atrixblue.-MFR-.

Hammyman wrote: »

Where in the OPs post does it say it is parked on the street?

and neither did op say until now it was garaged;) so i did not asume this was the case, and hence why i said UNLESS SHE HAS SOMEWHERE TO STORE IT!

OP not clear yet, but is it your intention to keep it taxed? and insured? to aid in being able to attract someone to buy it private be a smooth process with the new taxing law?

if so your inbetween the devil and the deep blue sea, people think laid up policy will enable them to keep the tax as its technically insured, BUT in order to keep tax you need a minimum of third party risk included in the policy to do this.

a laid up policy will be great to cover fire and theft, but laid up policy's dont include third party risks wich is the minimum requirement you have to have in order to be able to drive it on a public road and have tax.

if you were to have this type of policy you would still have to SORN the vehicle and not be able to have tax as you would have to send it back to the DVLA, now with laid up policys you can purchase third party risk (dont know if theres a minimum block of days you have to purchase though or whether you can purchase one day cover) and effectivly your insured to drive but will be untaxed leaving you open if you were to go out on the public road to a £60 fine if you were ever stopped by police for no tax, or rather the driver would be, you wouldnt be able to purchase a min of 6 months tax due to the policy not having thirdparty risks on it and the insurance company would not update your documents, so if you were stopped as MID said no insurance a call to the by the police the insurance company would state your covered for that day(s).

Flyboy152

Why can't the car be insured in your mother's name?

Does the registered keeper have to be your mother?

InsideInsurance

So you want Fire & Theft Only cover (FTO)?

Its not that common but a broker will be able to get you quotes