Does my car insurance pay for both cars
Not Using My Car: Does it Need Insurance? By: Sally Aquire - Updated: 6 Jan 2017 | *Discuss Tweet
I have a car which is currently out of Mot and the insurance is due to expire soon, but it is taxed. It is parked in the street and is not currently being used. Is this legal?
I am due to go into Hospital next week for an operation and will be out of action for some time, I would rather not pay for an insurance renewal if I am unable to use the car.(Mr Daniel Westnutt, 9 September 2008)
The law states that all registered vehicles that are being used on public roads must be both taxed and insured. If you are caught without insurance, you can be fined and given penalty points on your driving licence. You can potentially be Disqualified from Driving for a while too. Although you are not legally obliged to insure vehicles that are currently off the road and being kept in private garages or on private land, you should make sure that your car is insured if it is being kept on a public road. There are also practical reasons for making sure that any vehicles registered by you are fully insured, regardless of where they are being kept. Your car can be involved in an accident without being on the road – the handbrake could fail, an electrical fault could start a fire or the car could be stolen. Without insurance, you are not covered for these types of situations.
If you are not going to be using your car for over a month, you can contact your insurance company and ask them to suspend your insurance cover during this period. They may also refund part of your insurance premium for this period too. This applies if your absence from driving is not related to the insurance cover (for example, you cannot usually do this if you have made a claim because your car has been stolen or damaged). The refund is usually paid when your insurance cover is reinstated again (i.e. when you begin driving again). Insurance companies such as Direct Line and RAC operate in this manner. During the suspension period, your car will still be covered for loss or damage that occurs as a result of theft or a fire, provided that it is locked away in a garage.
What type of insurance do I need?That depends on where you intend to keep your car while it is not in use. If you are going to be parking your car in your garage to take advantage of suspended insurance cover while your car is off the road, you need to get insurance that covers you against theft and fire, but this will not cover you against third party accidents (which shouldn't really be a problem if your car is locked away). If you are going to be parking your car on a road, you need to be covered for third party accidents as well.
Do I need to do anything else?You need to inform the DVLA that your car is going to be off the road for a significant time through the Statutory Off-Road Notification (SORN)certificate, which you can request from them. Using your car while the SORN is in place will result in a fine of up to £5000 and a possible prison sentence. The SORN lasts for a year, and must be renewed if you need to keep your car off the road longer than this. This can be done online at the DVLA website if you have a V11 form, a V58/1 form or a V5C form. Alternatively, you can do it by phone instead. If your local Post Office branch issues tax discs, you can take your V11 form there too. If you want to apply by post, you can request the SORN V890 form, and return it to DVLA, Swansea, SA99 1AR. Previous Page Next Page You might also like... Hand Held Speed Gun: Should Ticket be Issued On the Spot? Is it Legal to Remove Front Passenger Seat of Car? Driving Without Lights On: Due Care and Attention? Legal to Use Mobile Phone in Stationary Car with Engine Running? Should I Have a Parking Ticket for Shop Car Park? Share Your Story, Join the Discussion or Seek Advice.. [Add a Comment] Hi can i keep my car in private driway without insurence? Many thanks for answers. Domi - 6-Jan-17 @ 9:16 PM I have parked my car in the garage with no insurance but taxed. Would I be fined for keeping my car without insurance but in my house garage with tax? Thanks Rana - 30-Dec-16 @ 5:04 AM I have lost my licence for drink driving. 6 months into my ban my car nowners has no insurance or tax but does have a valid mot. I need to have the car taken to be stored at my brothers house until I get my licence back in November. How can I do this legally. Adam - 16-Dec-16 @ 6:18 PM Sian - Your Question:I want to buy a car but I'm not sure if it is legal to park it in the car park at The back of my house; I have to designated parking spaces with my house and I'm not sure if I need insurance and MOT etc to park it there?Our Response:If the property does not belong to you (from what you've suggested the car park spaces do not form part of your property), then you will need insurance and tax. If you take it on a public road, you will also need an MOT. NoPenaltyPoints - 13-Dec-16 @ 12:01 PM my son has been issued a court order as his bike was taxed but not insured.it was in my garage and not used as he passed his driving test and got a car taxed and insured that. I taxed the bike as I thought that was the right thing to do but now I find that it is an offence and he is in trouble. The court have said that he would have been sent letters but we never received anything until last month advising we would be going to court.we filled this in explaining that the bike had been sold, but the next letter is a court summons.Please advise what we can do and would this be points on my sons new licence? concerned parent - 9-Dec-16 @ 12:13 PM My car has been impounded by bailiffs. I have declared it SORN, as I do not intend to pay the ridiculous amount over parking tickets which are worth the car itself. Now the problem lies with the Insurance. Since I have insured my car for a year and have only 3 months usage of insurance gone on it, and have the remaining 6 months of insurance to go.As I do not intend to buy another vehicle can the insurance company refund me or will they want to keep it insured despite the circumstance.Also can a claim be made on insurance for impounded/scrapped cars? Deeza - 8-Dec-16 @ 11:19 AM Hi, I have a pretty complex problem: I am looking to buy a car in the UK but as an international on a foreign license the insurance is too expensive. Since I only intend to drive twice a month, I am looking to use temporary insurance (on a 3-day basis each time) whenever I want to drive. My question therefore is: Can I own and keep the car having paid my tax without a continuing insurance policy? Or must I declare it SORN every time I decide I won't be driving it for two weeks until I do so again on a 3 day insurance policy? If that happens, whenever I use my V5c to pay for tax again, will I get a refund and will proof of my temporary insurance cover for those 3 days be sufficient to un-SORN the car? Thanks WSLee - 8-Dec-16 @ 1:01 AM I've declared a SORN, and am intending to scrap the vehicle, however, I may need to temporarily move it back onto the public road for ease of collection. Would I have to retax the vehicle? Eric - 24-Nov-16 @ 5:02 PM I have a car that is my project car and i need to repair it before use on the road again, it is currently sorn and on my Fathers driveway, i am planning on moving house soon and the new house has a parking bay infront of it which is off the road, would i be able to park it there being sorn or would it need to be taxed and insured? Danny - 13-Nov-16 @ 6:09 PM HI can i keep my car in private driway without taxes, mot and insurence? Many thanks for answers. giesiuss - 13-Nov-16 @ 3:02 PM kanyaw - Your Question:Hi me n my husband went to tesco last week having no insurance due to me being sick and having a disablity while he was waiting for me in the car parke police had stopped and askd him for insurance and they pounded our car now im realy worried dont knw whats gona happen next any ideas please help meOur Response:The usually penalty for driving without insurance is a fixed penalty of £300 and 6 penalty points. If goes to court you could get an unlimited fine or even disqualified from driving. NoPenaltyPoints - 4-Nov-16 @ 11:33 AM Hi me n my husband went to tesco last week having no insurance due to me being sick and having a disablity while he was waiting for me in the car parke police had stopped and askd him for insurance and they pounded our car now im realy worried dont knw whats gona happen next any ideas please help me kanyaw - 3-Nov-16 @ 2:52 PM jakey - Your Question:There is a van parked outside my house for a few months. It has road tax but no MOT. Is this legal?Our Response:It's not usually legal to park a vehicle on a public road without an MOT. Is the vehicle old enough to need an MOT? Have you reported this to the police or DVLA? NoPenaltyPoints - 24-Oct-16 @ 11:09 AM There is a van parked outside my house for a few months. It has road tax but no MOT. Is this legal? jakey - 22-Oct-16 @ 8:30 AM I could not afford insurance for my car and it had been parked by the side of the road and when I noticed it was gone phoned the police the gave me a company name on contacting them they say they had the car there for 3 weeks but I had been staying with my girlfriend and never got a chance to try and find a place now there saying the car has been destroyed despite the car costing me £4500 is this common practice Colshyboy - 26-Aug-16 @ 10:10 AM I have a car parked in the street outside my house because of unforeseen circumstances I could not afford insurance how long has police got before they can destroy the car is there any point in destroying a perfectly good car this is what there saying has happened I live in Glasgow I hadn't been informed my car had been uplifted or perhaps I could have put it somewhere until I could sell or insure the car Colshy boy - 26-Aug-16 @ 9:59 AM golsapo - Your Question:If I put tax without insurance to leave it parked up untill I can afford to get insured or has to have both ??Our Response:You cannot buy tax without valid car insurance. You would need somewhere off road/private to park the vehicle and declare it SORN until you have funds to pay for insurance (note if the car is stolen/catches fire - while uninsured, you will have to pay for a new vehicle yourself). NoPenaltyPoints - 5-Aug-16 @ 12:46 PM if i put tax without insurance to leave it parked up untill i can afford to get insured or has to have both ?? golsapo - 4-Aug-16 @ 12:02 PM Dazza872 - Your Question:I need to declare my car as sorn but still want it insured it will be parked on a private drive whats the best insurance to take and who with ie cheapestOur Response:We cannot recommend specific companies unfortunately. NoPenaltyPoints - 3-Aug-16 @ 2:11 PM I need to declare my car as sorn but still want it insured it will be parked on a private drive whats the best insurance to take and who with ie cheapest Dazza872 - 2-Aug-16 @ 5:05 PM BJS - Your Question:Allowed neighbor to use my private drive for 1 week. 2 months later vehicle still there, it's really ticking me off as have asked numerous times for him to remove. Car is not taxed or insured and I'm pretty sure is not SORN. How can I get the vehicle towed off my private drive without cost to me. I own my own home. Please can someone give me some advice. ThanksOur Response:Can you give the neighbour a final ultimatum? You could try asking the police but as it's a private arrangement between you, they may not be interested/able to act. Your only other option would be to pay someone to tow it away and then claim the costs back from your neighbour via the small claims court. NoPenaltyPoints - 1-Aug-16 @ 10:21 AM Allowed neighbor to use my private drive for 1 week. 2 months later vehicle still there, it's really ticking me off as have asked numerous times for him to remove. Car is not taxed or insured and I'm pretty sure is not SORN. How can I get the vehicle towed off my private drive without cost to me. I own my own home. Please can someone give me some advice. Thanks BJS - 31-Jul-16 @ 6:05 AM I've just got a new car and it's free insurance runs out on 01/08/16, since I'm away on holiday until 05/08/16 this is when I've set my new policy to start. Is it okay to leave the car outside a relative's house during this period I am away on holiday? ES - 27-Jul-16 @ 4:01 PM We have very limited parking outside our house,and use a small 8 bayed car park opposite our house.This past two weeks,it appears we have a new neighbour nearby who has parked 3-4 cars in this carpark,which have never moved .None of them are taxed.These cars have taken 4 valuable spaces. Is this illegal..Can we report him.We are all desperate. tub - 24-Jul-16 @ 5:52 PM my cars learner insurance ran out and as i was taking my test 2 weeks later i didnt renew the insurance. Yesterday received a notice to pay as the car was not sorn and today i passed my test. Do i need to include this on the insurance application kel - 7-Jul-16 @ 9:11 PM big ed - Your Question:Ive just bought a car but can't afford the insurance till the end of next week should I still ring dvla?Our Response: If the car is going to be parked on the road, it will have to be insured. If you cannot insure it you will need to keep it on your private property and SORN it. NoPenaltyPoints - 13-Jun-16 @ 2:16 PM ive just bought a car but can't afford the insurance till the end of next week should i still ring dvla? big ed - 10-Jun-16 @ 7:12 PM I want to store my car against damage, fire and theft for the next few months. It won't be driven during this period. What is the name of the lowest cost-type insurance for this purpose? dkn2k - 30-May-16 @ 9:39 PM Anne - Your Question:Can you park a car in a layby with no tax or insuranceOur Response:No, a car that has no tax or insurance must be kept on private land. If it's going to be unused for some time you must declare a SORN with the DVLA. NoPenaltyPoints - 9-May-16 @ 2:26 PM Can you park a car in a layby with no tax or insurance Anne - 6-May-16 @ 10:49 PM Share Your Story, Join the Discussion or Seek Advice... Title: (never shown) Firstname: (never shown) Surname: (never shown) Email: (never shown) Nickname: (shown) Comment: Validate: Enter word:
For my auto insurance (which only consists of cars), I use Wawanesa insurance. I’ve had them for over 5 years now and as far as I can tell, they are a decent provider with decent benefits. I insure my 2000 convertible Toyota for about 50 a month which covers liability, collision repair, and theft. I’ve had more than a couple of incidents that involved my insurance.
My first car under that insurance, a 2003 Toyota Matrix, was hit multiple times. One was my fault, and one was a hit and run. Each time I paid my deductible on the insurance and had the damage repaired. At one point I forgot to pay a parking ticket and my license was even suspended. My insurance bill took a pretty big hike and I was paying almost double what I’m paying now.
Lucky, a year of good driving habits and no marks on my record got my yearly payment reduced. Backtracking to before that – each time my car was hit, it was handled in a different way. Once, Wawanesa sent an inspector out to my place. This would be the guy with the company logo on the polo shirt and a clipboard. He took a visual inspection and then drove on back to the office.
Another time, I actually had to drive my car to an inspector to get another visual examination. I didn’t mind that since I had actually moved 100 miles away from my original location. My insurer has a decent amount of locations in the major cities of the U.S. – so that’s a plus. Switching cars on my insurance is pretty straightforward and hassle-free and I was able to handle it over the phone.
One thing I must say: I wish I was able to register a car using my insurance company, instead of having to physically go to the DMV. A couple of my friends have policies that allow them to basically register a car over the phone or at a local office. They completely skip the hassle of spending a day in the DMV.
I’m not too keen on how well my insurer covers valuables or stolen goods in my car. I haven’t had a valuable theft in any of my cars so I’m not too worried about that. I AM, however, worried about getting my convertible top slashed. The deductible will probably cost as much or less than the repair, and my payments would go up.|
The average new car in the U.S. is sold for over $32,000. That’s a hefty chunk of change, and with electrification and autonomous vehicle tech, that figure could get even higher. The question is: how high? How much, for example, are people willing to pay extra for self-driving technology? According to a new study by a professor at Cornell, the answer is about five grand.
The study, written in our favorite scientific journal, Transportation Research Part C: Emerging Technologies, by Richardo Daziano of Cornell, Mauricio Sarrias of Universidad Catolica del Norte in Chile, and Benjamin Leard of Resources for the Future, asked 1,260 people from around the country a number of questions in a “discrete choice experiment focused on energy efficiency and autonomous features.”
After running the data from the responses through several models (you can read all about their methodology in their full report), the study estimated that the average American household would be willing to spend $3,500 on partial automation and $4,900 on fully autonomous car tech. This, of course, is in addition to the already high prices of new cars today.
Studies like this one could be a big deal for automakers, some of whom are likely reluctant to spend enormous swaths of cash on development of self-driving technology, for fear that the return on the investment could be slim. But a $4,900 premium—if true—should at least quell some of their concerns about investing in research and development in the field.
(On the other hand, if you start selling fewer cars because the only thing left is just fleets of autonomous cars that everyone shares, a $4,900 premium doesn’t help if you’re selling no cars atl all.)
The study does make note that opinions on the tech vary widely, with people who are “more knowledge about current abilities of automation” tending to be willing to spend over 10 grand on the tech, and others who aren’t as well-versed on autonomy saying they don’t want to spend a dime. This might suggest that a campaign educating people of the capabilities of self-driving vehicles could up that $4,900 even further.
The study also admits that their report’s main weakness is that, because it’s a discrete choice experiment, all of the respondents were just making hypothetical choices, which could differ from what they’d decide if actually buying a car.
Considering all the sensors and software that goes into it, $4,900 seems fairly low—that’s about half of what it costs a Ram 2500 owner to opt for the Cummins Diesel. Whether automakers will come anywhere close to that $4,900 figure, we’ll find out in due time.