Off The Road Car Insurance

[dcc 855]

To cut a long story short...

 

I have a cti which is taxed and insured, I want to swap the insurance onto a new car and keep the CTI insured and taxed, but not to drive it, just to keep it off the road with tax. This is all because of the new laws to insure taxed vehicles. I am sure you can do this, but dont want to fork out over £100 for the pleasure...

 

Anybody here done something similar? Any companies out there who would do it?

[feb 47]

Why don't you return the tax disc, SORN and get the remaining as a refund?

Edited September 6, 2011 by feb

[welshpug 1,657]

saves the new owner from having to insure and tax it, also makes test drives easier, and you dont lose out on the part months when returning the disc.

 

just add the tax on the sale price

 

 

might be worth asking your current insurers as they'll probably do it as a temporary thing?

[jackherer 543]

Off road insurance will cover your car for damage or theft but the DVLA don't care about that, it needs to have 3rd party road risk cover or you need to SORN it.

[feb 47]

Tell me how this law was not forced to the government by insurance companies (and why its only purpose is to make insurances richer) as it has no logic IMHO.

And no, it doesn't stop people from driving uninsured it just makes them drive uninsured and untaxed if they want to.

In a while you should be insured to ... breathe or ... piss.

 

Edit: Hang on a minute, if the government is doing this for our own good to protect drivers being uninsured and save insurances on paying for uninsured drivers, does that mean insurance premiums are going to drop?

 

I bet not because the excuse of premiums going up due to an increase in uninsured drivers has no logic either, if A crashes B, does it matter (regarding insurance premiums) if A is insured or not?

In any case either insurance A or B would pay.

 

I'll get my coat now.

Edited September 6, 2011 by feb

[Miles 331 1 Cars]

Keeps the DVLA people in a job, if they never came up with these idea's they would be out of a job

[feb 47]

Keeps the DVLA people in a job, if they never came up with these idea's they would be out of a job

 

+1000

They need to show they are doing something.

[GLPoomobile 958]

Having read numerous threads since this law was introduced, I'm confused as to why people make this in to a big deal....maybe it's me that's missing something

 

If the car is off the road, and you have no intention of using it, then it doesn't need to be taxed, so SORN it.

 

If you intend to keep it taxed, then that implies that the car will be used at some time, and so they also expect it to be insured. Seems reasonable to me.

 

If you intend to keep it taxed and insured, then there's no problems.

 

If you only want to keep it insured, because you are worried about fire, theft, vandalism etc, then that's not an issue either. If it's off the road, declare it SORN, and still keep an insurance policy on it.

 

 

Sorry if I've got any of the above wrong, but it's been months since I last read the new legislation. I just know that at the time it made perfect sense to me. I don't like defending the DVLA, as they are a well recognised shower of arseholes, but I just don;t see anything wrong with the legislation.

[2-Pugs 57]

Agree 100% with GLP...I don't personally see a problem with it. If you car is taxed or on SORN then there is no problem is there? It's the cars that are taxed but uninsured, or untaxed that they are essentially going after, as a law abiding motorist that seems quite right to me!

 

Back OT though, OP, pretty sure you can get lay-up insurance. Try the classic insurers in the back of Practical Classics and the like. It won't cost much.

[mickie 3]

i just bought a new car, and still have the old car, which never gets used, i'd like to swap the insurance from old to new, but cant because we still need insurance on the old car to sell it with tax. as i dont want to sell it without tax, dont want to sell a sorned car, so im having to spend a lot to insure both, what i'd rather do is not sorn it, and not insure the old car either, but with this new law i cant do that..

 

if i sorned the old car and the new owner wanted tax, he'd have to buy the car, wait for the log book, tax and insure it at a later date, yeah who in their right mind would want to do that..

 

so to keep this car taxed, im forced to insure it, £100 a month, the new law isnt a good idea

[ORB 227 1 Cars]

Try having a forecourt full of cars.

 

They all need to show on the insurance register, some gave tax, some don't.

 

It's a f***in ball ache.

 

We have had to change from a trade 'blanket' policy to individual insurance. Every car that comes in and goes out needs to be individually set up. We probably buy 50 cars a day and sell about the same.

 

Pain in the arse.

[mickie 3]

whats to stop people driving without insurance and tax ? the new law is stupid..

 

a lot more cars will be sold with a sorn..

 

so the buyer wants to test drive the car, he/she'll have to buy the car, wait for the log book to come back, insure the car, then they'll be able to tax it, then test drive the car, decide the cars not for them..

 

drives it off a bridge, the new laws great

[Baz 421]

It does FA to stop the uninsured, all it does is penalise people who have a little used second car/for sale/competition car/toy/classic etc.

 

You only need ONE policy at a time, not 2/3/4, you can only drive one at a time, so why not allow decent, normal human beings to do what they've done for years and remain accountable for thier actions and swap insurance round when they please, there's no law breaking in it and i really can't see how this stupid ruling helps at all.

 

It's a bloody farce it really is, another reason why this country's going down the pan, fast.

Edited September 7, 2011 by Baz

[Cameron 16]

My Mondeo is currently off the road (kept on the driveway) as the insurance expired and seeing as I needed to do some work on it I haven't renewed yet. I don't want to SORN it because then it means I have to go through the ballache of A - SORNing it in the first place and B - applying for a new tax disc and potentially losing money in the process. It makes much more sense for me to just keep it taxed on the drive and insure it once it's back up and running, but with this new law I have to insure it even if it's kept on the bloody drive! WHY!?

 

Surely with this new law the govt. is going to end up out of pocket as more people turn to SORNing their cars rather than keeping them taxed? What retarded idea are they gonna come up with to recuperate these losses?

 

I'm not buying insurance. If I get fined for that, I'm not paying it. f***ing sue me!

Edited September 7, 2011 by Cameron

[chipstick 382 1 Cars]

In a while you should be insured to ... breathe or ... piss.

Technically you pay sewage rates to get your piss taken away.

[Cameron 16]

Piss in the garden - save money on waste water bill, and on plant / lawn feed.

[SurGie 54]

the ammonia will kill the plants, dog piss ruins the grass. Im not sure what you would do about the number 2

[jackherer 543]

Pissing in your compost heap is the thing to do. It wont reduce your water bill though, they dont meter sewage

[Cameron 16]

Oh ok, does waste water only account for sinks / baths etc? I must stop pissing in the shower in that case..

[Baz 421]

 

I'm not buying insurance. If I get fined for that, I'm not paying it. f***ing sue me!

 

Good man, join the boycott!!

[welshpug 1,657]

cue rant about £100 Fine in a few months.....

 

[Andy_C 50]

Try having a forecourt full of cars.

 

They all need to show on the insurance register, some gave tax, some don't.

 

It's a f***in ball ache.

 

We have had to change from a trade 'blanket' policy to individual insurance. Every car that comes in and goes out needs to be individually set up. We probably buy 50 cars a day and sell about the same.

 

Pain in the arse.

 

You need a new broker mate. MID only applies to vehicles which have been with you for more than 14 days and will be driven on The road. If you have trade plates then add them too. I can email you a guide Aviva produced which explains MID perfectly but having to scrap a trade policy is crazy. Let me know if I can help.

[Andy_C 50]

My Mondeo is currently off the road (kept on the driveway) as the insurance expired and seeing as I needed to do some work on it I haven't renewed yet. I don't want to SORN it because then it means I have to go through the ballache of A - SORNing it in the first place and B - applying for a new tax disc and potentially losing money in the process. It makes much more sense for me to just keep it taxed on the drive and insure it once it's back up and running, but with this new law I have to insure it even if it's kept on the bloody drive! WHY!?

 

Surely with this new law the govt. is going to end up out of pocket as more people turn to SORNing their cars rather than keeping them taxed? What retarded idea are they gonna come up with to recuperate these losses?

 

I'm not buying insurance. If I get fined for that, I'm not paying it. f***ing sue me!

 

Fair point and whilst I don't know you personally mate I guess you're a proper bloke who wouldn't use the Mondeo while it's untaxed and not insured.

 

Sadly there are too many who wouldn't give it a second thought and the database being linked to police cars means they can identify uninsured motors immediately and of course now have power to seize and crush - again immediately. The law is intended to rule that if your car is not being used on the road you either SORN it or re-tax (and insure).

 

Ball ache? Absolutely (almost as much as the wife's effing iPad which won't let me type ball ache properly) and I promise you that it's not making insurance companies any money - far from it as few are making money from motor insurance at the moment. I've seen that figures and it's nasty.

 

However MID isn't having the impact originally intended - initial results were excellent with uninsured driver numbers dropping off but it seems to have hit a wall.

Edited September 7, 2011 by Andy_C

[P_Monty 2]

No officer, that isn't a car on my driveway - its a piece of modern art

[mickie 3]

how the hell can you say insurance companies arent making any money ? me and the wife have been insured 10 years now and we havent made a claim..

 

they've made 10k out of us over 10 year, all we got in return is a peace of paper