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Laid Up Car Insurance

Discussion in 'Insurance - Sponsored by Sky Insurance' started by tompearson, Oct 8, 2010.

  1. tompearson
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    tompearson It's all in bits

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    [Oct 8, 2010]
    I have a car that is currently off the road and declared SORN. My current policy has been fine until now as I have a valid MOT. This is going to change at the end of this month when the my insurance cover ends, swiftly followed by my MOT and I plan to get going with the spanners fitting the modifications I have assembled.

    Anyone got any recommendations for companies that will do laid up insurance and are also good for modified cars when back on the road?
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  3. jojo
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    jojo S3 Drift King! Staff Member Moderator

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    [Oct 8, 2010]
    Best bet is for specialist insurance companies like AdrianFlux or Herts Insurance Consultants(HIC). I believe they have policies for laid up cars. IIRC, they come with a limited mileage allowance like 100 miles for you to move the car around, or at least get to to an MOT station etc.
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  4. tompearson
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    tompearson It's all in bits

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    [Oct 10, 2010]
    I have a quote from AdrianFlux but I was hoping to find something to compare it with (seems pricey once back on the road) and it is proving trickier than I thought. I haven't tried HIC yet though so will give them a ring tomorrow. Thanks.
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  5. skyinsurance
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    skyinsurance Site Sponsor Site Sponsor

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    [Oct 11, 2010]
    HIC is Adrian Flux, they will not undercut each other. Try a google seach on laid up cover.
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  6. aragorn
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    aragorn "Stick a V8 in it!" Staff Member Moderator VCDS Map User

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    [Oct 11, 2010]
    If its parked up off the road, presumably with its guts hanging out, what exactly are you insuring against?
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  7. tompearson
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    tompearson It's all in bits

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    [Oct 11, 2010]
    Theft of the parts. But I have also heard of several people having cars which were under going work lifted from the drive or even back garden by over-enthusiastic scrap collectors (thieving pikey scum with a pick up).
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  8. tompearson
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    tompearson It's all in bits

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    [Oct 13, 2010]
    Forgot to ask, but I assume that this reply means that you don't do it?

    Not having much joy with google as the car isn't a 'classic' (by age anyway) and limited mileage doesn't work for me because all the insurers state the policy is invalidated without an MOT (despite being declared SORN)
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  9. skyinsurance
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    skyinsurance Site Sponsor Site Sponsor

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    [Oct 13, 2010]
    Apologies but no, this is not something we offer.
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  10. s3_kev
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    s3_kev Stage2'd!!!!!!

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    [Nov 30, 2010]
    i had a r5gtt stolen from out side my house years ago when laid up in same state as you plan, ended up costing me £££'s as it was later found and recovered. thanks alot i thought, deffinanlty worth insuring
    #9

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