Insurance for a car I can’t drive

SvenvB

Apologies if this has been answered already, but I can’t find it anywhere.

 I have recently had to surrender my license temporarily on medical grounds. Unfortunately my flat has no off street parking, so my car is parked outside on a public road. My insurance company have told me that they can’t give me insurance because I don’t have a license, but I can’t declare it SORN due to its location. 

Any advice would be most welcome as my cover runs out next week.

Thanks in advance 

Herzlos

How long is temporary?

Can you get someone else to insure or store it off the road?

I'd also be wary about it running out next week; it's presumably already invalid since you don't have a license, but at least it won't fall foul of the not being insured thing.

DullGreyGuy

You're really into specialist broker territory unless you have a friend/relative who would be happy to insure it in their name but then 1) they cannot use your NCD on the policy and 2) if something happened to the vehicle and a claim was made it would go against their insurance history. 

Car_54

OP, best and easiest solution is probably to sell the car, and buy another when you get your licence back.

DVLA are notoriously slow in reinstating licences in these circumstances.

SvenvB

 Herzlos said:

How long is temporary?

Can you get someone else to insure or store it off the road?

I'd also be wary about it running out next week; it's presumably already invalid since you don't have a license, but at least it won't fall foul of the not being insured thing.

Thanks
Still waiting to hear back from the DVLA, could be anything from 3 months to 12 months. 

Car_54 said:

OP, best and easiest solution is probably to sell the car, and buy another when you get your licence back.

DVLA are notoriously slow in reinstating licences in these circumstances.

If it’s any longer than 3 months then that’s the plan. However, I’ll almost certainly lose money, so want to avoid this if short term 

SvenvB

DullGreyGuy said:

You're really into specialist broker territory unless you have a friend/relative who would be happy to insure it in their name but then 1) they cannot use your NCD on the policy and 2) if something happened to the vehicle and a claim was made it would go against their insurance history. 

In-laws could potentially put it on their drive so I can go SORN, but I would still want to insure it against theft at the very least. Was hoping that it could be insured as a possession rather than a vehicle somehow, but looks unlikely.

prowla

Could you lend it to someone for the interim?

DullGreyGuy

SvenvB said:

DullGreyGuy said:

You're really into specialist broker territory unless you have a friend/relative who would be happy to insure it in their name but then 1) they cannot use your NCD on the policy and 2) if something happened to the vehicle and a claim was made it would go against their insurance history. 

In-laws could potentially put it on their drive so I can go SORN, but I would still want to insure it against theft at the very least. Was hoping that it could be insured as a possession rather than a vehicle somehow, but looks unlikely.

In that circumstance you can get Fire & Theft Only insurance, also known as laid up insurance, and so no third party risk cover. Again its a niche product and as such premiums are not always as cheap as you'd hope and in some circumstances a legitimate driver getting mass market normal insurance may be cheaper than the specialist FTO policy.

sheramber

Does your partner have a driving licence?

SvenvB

sheramber said:

Does your partner have a driving licence?

Unfortunately not, that would have been ideal 

400ixl

You can buy insurance specifically for cars which are SORN'd.

https://www.gocompare.com/motoring/sorn-a-vehicle/

As has also been mentioned it can be called laid up insurance, the main thing there is that some insurers only cover classic cars on some of these policies, so check for that limitation.