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Suspending car insurance- is it possible?
My sons car is off the road at the moment as it needs work doing on it. He isnt able to get the work done as he is out of work at the moment and having a course of chemotherapy so he is only getting sick pay.
His monthly insurance payments are taking two thirds of his benefit and as he cant use the car at the moment its dead money.
Does anyone know if its possible to 'suspend' insurance or is he better to cancel it altogether. Someone has told him that if you cancel it is held against you when to try to re-insure.
Is that true?
His monthly insurance payments are taking two thirds of his benefit and as he cant use the car at the moment its dead money.
Does anyone know if its possible to 'suspend' insurance or is he better to cancel it altogether. Someone has told him that if you cancel it is held against you when to try to re-insure.
Is that true?
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Comments
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We can all pontificate on here but your best bet is to speak to his insurer.
The biggest problem wil be the finance element of paying monthly might make it uneconomic to cancel.
But talk to them and explain the problem.0 -
Do you have somewhere secure to store an uninsured car?
Just thinking what ifs stolen damaged etc.0 -
Expect a hefty fine from the DVLA if it's taxed and not insured.“I may not agree with you, but I will defend to the death your right to make an a** of yourself.”
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^^ +1. You no longer have a choice, you must have continuous insurance cover on any vehilce that's not been SORN'd.0
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Someone has told him that if you cancel it is held against you when to try to re-insure.
Is that true?
This is true if the insurer cancels the cover (due to non payment, false disclosure or fraudulent behaviour for example) but cancelling it yourself, within the terms, is usually not an issue - other than that he won't accrue any NCB for this year by cancelling the cover early.Hi, we’ve had to remove your signature. If you’re not sure why please read the forum rules or email the forum team if you’re still unsure - MSE ForumTeam0 -
It would be in the garage and its only 3rd party anyway.0
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To add to my previous post, you can insure a car for zero mileage/storage. I believe this cover is very cheap......“I may not agree with you, but I will defend to the death your right to make an a** of yourself.”
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Strider590 wrote: »Expect a hefty fine from the DVLA if it's taxed and not insured.
Only if it hasn't been SORN'ed."You should know not to believe everything in media & polls by now !"
John539 2-12-14 Post 150300
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