Continuous Insurance

adrianjudd

Now that it is a legal requirement to have insurance at all times a car is kept on the road, even when the car is not being driven. Is it possible to get an insurance policy that allows a car to be kept on the road, but not driven, i.e. A policy with an annual mileage of 0 miles?

I have a car I don't plan to use for some time. But do plan to use at some future date. Previously, I could keep it on the road uninsured (but still MOT'd and Taxed).

TrickyWicky

Not that I'm aware of! I tried with mine and they were still not giving me a decent price but one of about £60-80 per month.

We've all been stitched up mate. The absolute minimum cover some policies will give you is laid up cover but thats purely for cars eg project cars sat under a tree etc. It provides no 3rd party which is the legal requirement for cars kept on the road or taxed. Of course 3rd party T&T doesn't save you more than a tenner over fully comp these days.

It's not about stopping the little chav down the road from using his uninsured Metro or Corsa at all. If he wants to do that he's still going to regardless of CIE. It's about getting more cash out of people by force and if you don't have a driveway you're screwed.

poppasmurf_bewdley

adrianjudd wrote: »

Now that it is a legal requirement to have insurance at all times a car is kept on the road, even when the car is not being driven. Is it possible to get an insurance policy that allows a car to be kept on the road, but not driven, i.e. A policy with an annual mileage of 0 miles?

I have a car I don't plan to use for some time. But do plan to use at some future date. Previously, I could keep it on the road uninsured (but still MOT'd and Taxed).

I don't think you could! If a vehicle is on a public road, it has to be insured as well as taxed and MOT'd, and that has always been the law.

TrickyWicky

poppasmurf_bewdley wrote: »

I don't think you could! If a vehicle is on a public road, it has to be insured as well as taxed and MOT'd, and that has always been the law.

You're correct, you couldn't keep it on the road uninsured as it was classed as being 'used' even though it wasn't being driven.

You could however keep it legally 'on the road' tax wise. IE you could keep it on your drive taxed without insurance and just insure it as and when you needed. Thats been removed even for classic car owners now.

It's a dreadful new rule from yet another draconian government who don't give a damn about those who they lied to in order for their votes.

mikey72

Be careful what you wish for.

How many times have I seen "all the uninsured drivers add £70 to your polict", re-interated on here with absolutely no evidence to back it up.
Well, after a lot of lobbying by the insurers, they have the opportunity to ensure we have to buy their product, and it's been well supported by the ones who no doubt want to save the £70.

I haven't seen it back yet oddly enough.

s_b

mikey72 wrote: »

Be careful what you wish for.

How many times have I seen "all the uninsured drivers add £70 to your polict", re-interated on here with absolutely no evidence to back it up.
Well, after a lot of lobbying by the insurers, they have the opportunity to ensure we have to buy their product, and it's been well supported by the ones who no doubt want to save the £70.

I haven't seen it back yet oddly enough.

there was a thread about axa insurers refusing a payout on a cat d car last week well ive been looking into their t and c's and found this

We may choose to repair your car with recycled parts, where appropriate. Parts used may not have
been made by the car's manufacturer but will be of a similar standard.

the reason i bring it up is copart uk owned by copart usa has probably taken over the salvage rights of most insurers with a possible view to selling second hand parts back to bodyshops on the scale as in america currently 38% of repairs at approved bodyshops over there are s/h parts
my thinking is as we are all hit by higher and higher insurance costs the abi will put forward this as a way of reducing insurance costs

to me it stinks the way its probably going to come to happen,
remember you heard it from me first

Notmyrealname

adrianjudd wrote: »

Now that it is a legal requirement to have insurance at all times a car is kept on the road, even when the car is not being driven.

IT HAS ALWAYS BEEN A LEGAL REQUIREMENT FOR A CAR KEPT ON THE ROAD TO HAVE AN INSURANCE POLICY IN FORCE.

Is it possible to get an insurance policy that allows a car to be kept on the road, but not driven, i.e. A policy with an annual mileage of 0 miles?

No. You can get lay up policies but they stipulate off road parking.

TrickyWicky

mikey72 wrote: »

Be careful what you wish for.

How many times have I seen "all the uninsured drivers add £70 to your polict", re-interated on here with absolutely no evidence to back it up.
Well, after a lot of lobbying by the insurers, they have the opportunity to ensure we have to buy their product, and it's been well supported by the ones who no doubt want to save the £70.

I haven't seen it back yet oddly enough.

But as I stated earlier, how does that stop the chav down the road from taking his untaxed and uninsured corsa on the road? - It doesn't.

All it does it make life difficult for the rest of us. As for the extra £70 in the premium, they have no intention of reducing it because they know that CIE will make no difference to the uninsured drivers situation. I had a spat with my insurers over this very issue on the phone the other day at renewal time. Despite 5 years NCD my premium has gone up again and despite CIE, they refuse to knock off the uninsured driver contribution.

In short, we've been screwed over and there is no need to be careful what you wish for.

Like I said in this or another thread, someone needs to start an epetition against this draconian piece of legislation.

mikey72

TrickyWicky wrote: »

..............In short, we've been screwed over and there is no need to be careful what you wish for.

Like I said in this or another thread, someone needs to start an epetition against this draconian piece of legislation.

Someone did something over the uninsured drivers.
If you didn't like what they did, maybe you should start the epetition.

TrickyWicky

mikey72 wrote: »

Someone did something over the uninsured drivers.

No they didn't. What they did was to target the law abiding drivers. They've done nothing to target the actual problem itself.

mikey72 wrote: »

If you didn't like what they did, maybe you should start the epetition.

While I could start a petition I don't have the time to promote it or keep trying to drum up support for it.