Insurance cancelation / suspension question.

[Orkney]

Insured with the good peeps @ AON - would they be able to put the insurance policy on hold or would it have to be cancelled for a refund of the remaining time on the 12 month policy?

Asking as just realised the MOT expired a month ago (whoops ) thought it was this month actually. Anyway decided that its as good a time as any to set about the long awaited bodywork makeover, so effectively scabby will be off the road for 3 months or so.

Being the thrifty sort dont see any sense in it being insured hence wondering if the company are happy enough to put a policy on hold?

[LouiseM]

Probably best to just give them a call and ask. Their phone lines will be open shortly.

Mind you, I'd still want to keep the car insured if it was off the road. What if someone steals it or it gets damaged?

[alex_holden]

You might be able to change it to an 'off the road' policy which still covers it for fire and theft. Don't forget to send off a SORN.

[Orkney]

Covered with all that on the smallholders policy - buildings, sheds and any machinery in them etc.
Zero chance of theft anyway, especially as the dogs have a backup guard pig helper (which has now taken to chasing the post van!)

[Orkney]

Tried calling them but gave up after 20 mins of classical music & messages saying how important the call was to them.
Will just post the policy back & ask for cancellation & refund on the remainder of the year.
Quicker to drive to the post office & back than get a call answered, doesnt say much for thier customer service !

[Rob_Jennings]

for 3 months it won't be worth it you might as well hold on to the policy as its better to keep a car insured for theft and damage purposes.

Given your policy cost around 100 quid? and the admin charge to terminate will be about 20 quid there won't be much left to refund!

[Orkney]

never considered there would be a cancellation charge
Just look at it that saving a quarter years premium well £25 saved = a few more bits
Your right though, if theres that charge then its only saving a fiver so not worth it
theft / damage wouldnt happen - only about 6 houses in a mile radius so a deadly quiet place to be and if a strangers about you cant miss it well if i did the dogs or geese wouldnt.

[badfelafel]

probably not insured under the policy if the mot has expired anyway

[Orkney]

Thats a point - a lot though you are, even not taxed believe it or not, used to know someone did claims settlement, was surprising how people you'd think wouldnt get paid out did.
Police cars etc dont have to have a valid MOT so long as they are insured, well they're insured but its carried on an underwriters policy or somesuch.
Interesting point though actually - say youve got your mog in your garage your not using it for the road why would you want an MOT if your only utilising the fire & theft part of the policy?

[dunketh]

I'd keep it going just to acrue more no claims.

Interesting point though actually - say youve got your mog in your garage your not using it for the road why would you want an MOT if your only utilising the fire & theft part of the policy?

I'm assuming in this case you'd need some kind of buildings and contents insurance on the garage rather than the car.

[badfelafel]

I'd be surprised if a home buildings and contents policy included the contents of the garage!

[Rob_Jennings]

you cannot normally acquire no claims on a classic car policy, although you are still obliged to declare accidents and convictions in last 5 years and no doubt it will effect premium.

home insurance may cover contents of garage but will exclude car

you can insure a non-MOT car but you have to inform company and they change the policy status to off road in some way.

[ColinP]

IIRC (I don't have the policy to hand),

the insurance cover includes the car, spare parts in the garage,tools, third party liability even when the car's "off the road"...

There is a newish requirement that all vehicles are insured (even if not kept on the road) - I believe, so you may be afer with it than without - and yes I did pick up the bit about "Orkney"....

I do have friends who visit regularly

Cheers,

Colin

[bmcecosse]

I would keep it going - in case you 'accidentally' set the car on fire during the resto work!

[8009STEVE]

Police cars etc dont have to have a valid MOT

Police cars do have to have an M.O.T. but they have their own testers.

[rayofleamington]

There is a newish requirement that all vehicles are insured

this includes cars 'parked on the road' therefore not just 'used on the road'. Previously they just had to be taxed.

It does not include cars parked off the road.