insuring car after end of lease

Car_54

kmb500 said:

Car_54 said:

You need to speak to a decent broker. You need fire & theft (and accidental damage?). But why third party?

Doesn't all car insurance have to be third party, unless it is SORNd?

Anyway I am not planning on insuring the car.

If I am not allowed to drive the car then clearly at that point, the contract no longer applies.

Fair point - if you can't SORN it.

Q. Why aren't you allowed to drive the car?  A. Because the contract says so.

So if the contract no longer applies, surely you can drive the car?

Clearly this is nonsense. The contract applies, and f you don't insure the car you're taking a big risk.

Herzlos

Yup the continuous insurance stuff means it needs 3rd party if not SORN, and kmb500 can't SORN as he's not got the V5 (because it's not his car).

Scrapit

kmb500 said:

Car_54 said:

You need to speak to a decent broker. You need fire & theft (and accidental damage?). But why third party?

Doesn't all car insurance have to be third party, unless it is SORNd?

Anyway I am not planning on insuring the car.

If I am not allowed to drive the car then clearly at that point, the contract no longer applies.

What the consequences if its not insured? If its part of the contract shouldnt it be defined? What is the term of the contract? If you insured it but lockdown continued for months or years (ab absurdum) would it still apply? I certainly wouldn't be paying out on insurance for someone else's benefit.

Car_54

The OP needs to speak to Leaseplan again (and again, and again). They must have hundreds of customers in this position, so a change of mind must be possible.

pippacorn

I'm in same position with Leaseplan, only my end of contract is 5th May.  They have offered me a 6month or 12 month extension, neither of which I accepted.  I was quoted £250 for a month insurance which I can't afford.  I was hoping to find a better answer but it looks like I'm about to have a fight on my hands.

Can we charge drive rental space if we have to store a vehicle that belongs to someone else?  That rental should surely include the cost of the insurance...  

kmb500

Scrapit said:

kmb500 said:

Car_54 said:

You need to speak to a decent broker. You need fire & theft (and accidental damage?). But why third party?

Doesn't all car insurance have to be third party, unless it is SORNd?

Anyway I am not planning on insuring the car.

If I am not allowed to drive the car then clearly at that point, the contract no longer applies.

What the consequences if its not insured? If its part of the contract shouldnt it be defined? What is the term of the contract? If you insured it but lockdown continued for months or years (ab absurdum) would it still apply? I certainly wouldn't be paying out on insurance for someone else's benefit.

well exactly, if they kept refusing to collect my car for years, that means I have to insure it for years? Seems unlikely.

Also, that's the other thing... they are refusing to collect it. It's not that they are "unable" to... there is no restriction on them doing this. Vehicle/fleet management companies have not been instructed to close; employees have simply been advised to "work from home if it is possible". (Clearly, the collection drivers cannot work from home...)

They are just refusing to  and that's their choice. I don't see why they can choose to not collect it and i am liable for insurance.

Car_54

Difficullt to see how a collection driver could get to you while maintaining social distancing.

dannyrst

If you feel strongly against it, send them a letter outlining your position, don't insure the car and don't drive it. Video and photograph the outside and inside of the car and wait and see what happens (if anything).

kmb500

dannyrst said:

If you feel strongly against it, send them a letter outlining your position, don't insure the car and don't drive it. Video and photograph the outside and inside of the car and wait and see what happens (if anything).

That's what I am currently planning on doing. Thanks.

Car_54 said:

Difficullt to see how a collection driver could get to you while maintaining social distancing.

social distancing is not the law, it's not required in any shape or form, it's just advice. Plenty of workplaces are not adhering to strict social distancing measures.

Car_54

social distancing is not the law, it's not required in any shape or form, it's just advice. Plenty of workplaces are not adhering to strict social distancing measures.

True. But the Health and Safety at Work Act 1974 is law, and it requires employers to ensure the health, safety and welfare of their employees, and in particular to provide a safe system of work.

Requiring employees to flout the current governement advice would be a flagrant breach, which would risk severe penalties for the employer.