Car insurance while in garage long term

maxmycardagain

If your car was in a dealership long term, would you renew your insurance or does the dealerships insurance cover it?

Owner has had to insure another car while waiting for hers to be fixed, which could be months

Grey_Critic

Back in my day when customers were provided with courtesy cars by either ourselves or the insurers then the customers insurance would be transferred to the courtesy car. Very important when someone managed to demolish a row of 7 or 8 vehicles whilst under the influence.

We supplied the details of the car to the insurance company and had to call when the customer collected his car after repair to inform them.

The car being repaired was covered by our insurance whilst in for repair

Sandtree

Have you SORNed the car? If not then you are legally obliged to keep the car insured yourself. 

If you are SORNing the car then you could choose not to insure it (assuming its not got finance secured on it) but would be sensible to advise the garage to ensure they dont move it onto the road without the appropriate measures.  There will always be a potential risk that the dealership doesnt have appropriate insurance and is on the borderline of going bust and so keeping insurance could be prudent but most probably would accept that risk (or not think about it)

laidbackgjr

The dealership insurance will only cover it against their liabilities (i.e. they damage it), which wouldn't include theft or damage by outside act (e.g. wind blowing down tree or vandalism).

So you'd probably want to keep at least 3rd Party, plus if it's parked on a public road (some dealerships overspill) it would need to be taxed and insured to remain legal and the dealership insurance wouldn't cover this aspect.

maxmycardagain

it wont get stolen.... engine has blown up

Bigphil1474

A blown up engine won't stop some toe rags from nicking it and stripping it for spares, depending on the car. They could just tow it away.

Car_54

laidbackgjr said:

The dealership insurance will only cover it against their liabilities (i.e. they damage it), which wouldn't include theft or damage by outside act (e.g. wind blowing down tree or vandalism).

So you'd probably want to keep at least 3rd Party, plus if it's parked on a public road (some dealerships overspill) it would need to be taxed and insured to remain legal and the dealership insurance wouldn't cover this aspect.

Third party doesn't cover fire theft or vandalism.

Also, it needs to be taxed and insured even if it's off the road, unless it's SORNed,

Sandtree

maxmycardagain said:

it wont get stolen.... engine has blown up

Can still be lifted/dragged onto a low loader even if everything has ceased up... did once watch a Mercedes G63 being taken out of a parking space and onto a low loader in the local train station car park as wasnt aware of the dollies they use to make it manoverable before lifting it. I've always assumed it was being taken for parking violations rather than stolen as it did have stickers on the window but I may have just sat and watched a crime. 

maxmycardagain

Sandtree said:

maxmycardagain said:

it wont get stolen.... engine has blown up

Can still be lifted/dragged onto a low loader even if everything has ceased up... did once watch a Mercedes G63 being taken out of a parking space and onto a low loader in the local train station car park as wasnt aware of the dollies they use to make it manoverable before lifting it. I've always assumed it was being taken for parking violations rather than stolen as it did have stickers on the window but I may have just sat and watched a crime. 

Thinking she might be happier id it does get taken....maybe its at the back behind all the other total wrecks

Sandtree

maxmycardagain said:

Thinking she might be happier id it does get taken

She? The car? The mechanic? Your partner? Your neighbour?

maxmycardagain

Sandtree said:

maxmycardagain said:

Thinking she might be happier id it does get taken

She? The car? The mechanic? Your partner? Your neighbour?

take your pick