Morris Minor Owners Club

Does anyone know if there is a Company that will insure a classic car for say just 6 or even just 4 months at a time ?

Unsure if they will deffinatly insure a classic but its worth a check, its called pay as you go so you pay monthly for how long you have it for it goes from aday to 6 months http://www.ecarinsurance.co.uk/payasyougo.php/index.php

Could you give a bit more information. For example, do you just want to insure your car for the months when you are using it? If so, it's always best to have your car insured for the whole year as vehicles can be stolen or damaged whilst off road or garaged. Alternatively, if you are planning on selling it in 4 to 6 months time if you buy insurance for a year you will get a refund for the remaining months when you sell it. Or take out a policy for a year but pay on a monthly basis so you don't pay more 'up front' than you need to, although paying monthly does usually add a bit extra to the premium.

Welcome to the messageboard!

Thank you both for the replies. I will have a look at that link. My car lies locked away in a garage attached to my house, so it's not going to come to any harm over the winter. It seems a waste of money to insure it when it's not going to have any use. It's strictly a summer car, because of corrosion risk from heavily salted roads. I would maybe get away with cancelling the insurance once, after a summer's motoring, but I doubt they would wear it every year. If anyone already insures their car for just the summer, let me know please.

kittyfell wrote: My car lies locked away in a garage attached to my house, so it's not going to come to any harm over the winter. It seems a waste of money to insure it when it's not going to have any use.

My car spent nearly 3 months garaged over the winter when I was working away but personally I wouldn't take the risk of leaving it uninsured. You may think that it won't come to any harm but you never know - garages get broken into, roofs collapse, trees fall down etc etc. The possibility of something happening might be very slim but why risk it? Depending on your circumstances and where you live classic car insurance can be pretty cheap. I get fully comp cover for £90 a year, living in London, which works out at £7.50 per month. I would have saved £22.50 if I cancelled my insurance for the months it was garaged but it would cost me a bit more than that to replace it if anything had happened to it

Your traveller looks in very good condition so saving a bit of money on insurance might work out to be a false economy but if you're happy to take the risk it I'm sure that one of the classic car insurance companies will be able to help. Try Footman James - they offer ‘laid up’ cover for vehicles that are off road but garaged which might work out a bit cheaper than fully comp cover but I'm not sure if they do 'part year' cover.

Ok thanks, I will ask them. No trees around and it's a 'nice' area, and the only reason the garage may collapse on top would be the weight of the stock of spare parts in the loft above.

Didn't one of the other posts this week report a fire in a garage? Not having it insured year round has to be a false economy, and anyway - wouldn't you have to declare it SORN if you had no insurance on it??
Just have an annual policy with very low mileage to keep the premium down surely.

Insurance companies don't give pro rata refunds on insurance policies.
The first 6 months will cost a lot more then the second so don't think you will get half your money back.

if you buy insurance for a year you will get a refund for the remaining months when you sell it.

Check before you buy if you want to do this!!
I had to do this once on £15k's worth of car. I was selling it, but that took months, so I made sure that I could get a pro rata refund before taking the policy. When I cancelled they refused to refund until I told the broker that it must have been miss sold and I was therefore entitled to a 100% refund. When I quoted consumer law to them about miss-selling they finally gave me the pro-rata refund.

Many insurance policies are non refundable! A friend of mine moved abroad and found her insurance policy cost more to cancel than to leave it insured. She didn't like that as she didn't have a real address to be insured at, but someone told her that's what parents are for...

Well the garage is part of the house so if it goes on fire so does the timber frame house. I assume garage contents are covered by the house policy, and in fact the vintage Hornby Dublo model railway in the garage, above the Minor (yes it slips in under the railway boards) is worth considerably more than the Minor.