'Named drivers' and insurance on other vehicles

martin*martin_2

I am pretty sure that you do not need an MOT or TAX to insure a car. It will be insured then but you will not be legal to drive it on the public highway unless when going to and from a pre-booked MOT test appointment (and the car being in a reasonable condition) or bringing it to premises where it is booked in for repairs to pass the MOT. From the insurer's view point it is the lowest risk possible: They cover liability for a non-existing risk as you are not driving the car. PS: Do not forget to declare SORN on old vehicles that are off-the-road with no tax. You must declare it without them asking now! Otherwise you will get a fine of at least £ 30.00!!
Alternatively you might be better off to insure it for only 7 months and then get your partner to insure it for 7 months if you can find an insurance that is cheap and also gives a decent refund for the remaining 5 months. Also, but I am no expert on this, it might be worth looking into insuring a small motorcycle/scooter instead ofa car ???????

andy88_2

I have driving other cars on my policy but wouldn't intend to use it. The broker has said that such cover is only intended for temporary use, possibly unforeseen, and will always be restricted to 3rd party only. Use such as that by the OP or the mechanic brother mentioned (who should have trade insurance if it's his own business) is not intended. Consequently any such claims will always be thoroughly investigated.

Sorry for adding comments when this was dormant for so long. I hope that the original question was resolved without any of the complicated rigmarole described. I wouldn't bother with any of it. When cover on a 2nd vehicle is required in future, it will nearly always be possible to get a good introductory discount on the basis of no claims as a 2nd named driver. Years ago, I had 2 cars for a while; I think the Mini started with a 30% discount.

andy88_2

I forgot to say - some insurers will add a 2nd car on the same policy, either permanent or temporary. (My father was able to insure a car for £40 for a month for my brother visiting from abroad.) If yours will do this, you should have the full no-claims history ready-included