My car is sorn and sat on the drive at the moment, but I need to take it to the garage to get it mot'd to get it sold.

 

That is all I want it to cover, to the garage and back. I have full cover on another car.

 

I have an estimate / quote around £25 for one day's insurance (not too bad but this would equate to 9k for year) but does anyone have any cheaper ideas or know of any companies which may be cheaper.

 

Cheers.

Edited 27 January, 20179 yr by Tilt

(this is not a joke question) -  do you have to have valid tax/insurance in order to be towed ?

Edited 27 January, 20179 yr by Wet Kipper

Hi Tilt, you can't extrapolate a day rate up to an annual rate like that because that's not the way short-term insurance works - the risk is arguably greater when one considers why most people might want a single day's cover. £25 sounds pretty good to me.

 

best,

Nick

Yes you do need to be legal to be on the public highway even being towed.

You get to travel to a booked MOT without VED, & the Insurance thing is something that obviously you need, but has always been a grey area.

7 minutes ago, Wet Kipper said:

(this is not a joke question) -  do you have to have valid tax/insurance in order to be towed ?

 

No you don't but the towing vehicle's cover drops to third-party only in respect of damage between the two vehicles.

 

If the car is SORN, you can drive it to a pre-booked MOT, subject to insurance.

Edited 27 January, 20179 yr by ChrisKnottIns

^^^ Do you mean towed on a trailer with that answer?

Vehicles on the public highway require insurance, the minimum cover for the vehicle, Driver cover is different.

Driver in a vehicle if steering / in control of a towed vehicle needs to be legal as well ie correct license.

 

If the tyres are on the road and being towed other than by a Licensed Recovery vehicle a car needs VED, Insurance & MOT.

(got the T-Shirt & conviction that goes with having contravened the Road Traffic Act / Law.)

As to going to a MOT then the various grey areas enter the equation.

 

You can not tow on its tyres on the road an illegal (no VED/MOT/Insurance car / vehicle to a scrap yard, & why would you tow a vehicle that can not drive to a MOT, even with a Towing Bar?

(The things a Police Officer is likely to be saying to you.)

Edited 27 January, 20179 yr by Offski

According to GOV.UK:  "You can only drive a vehicle with a SORN on a public road to go to or from a pre-booked MOT or other testing appointment."

Indeed, and it does not specify the nearest next nearest or even if a Test has to be carried out when you get to the Pre-Booked test.

 

?

What about this Legal to tow without insurance of the towed vehicle but the insurance of the towing vehicle covering it, 

any links to that?

Anything about A-Frames, Dollys or Bars making a vehicle become a trailer?

As far as we're concerned the towed car doesn't need road risk cover as any liability will sit with the towing vehicle.

Remember & tell customers that it 'Is as far as your company is concerned'.

 

Because an issue arises if the towed car needs to be unhooked on the road or a place open to the public because it would be 'Uninsured'

ie Have no Insurance.

So best check just how a Customer would stand if they are stopped by police towing an un-insured vehicle and if your company will appear in court as a defence witness to say 'You are providing cover via the vehicle you have provided a policy on'.

What I mean is, that's our working understanding of how the law works - as the towing car is responsible for the speed and, to a high degree, the direction of travel of the towed vehicle.

Towing is to a place of safety.

Not down the road on a rope or bar.  Both vehicles can be seized, both drivers if a vehicle is towed without insurance can be prosecuted.

On ‎27‎/‎01‎/‎2017 at 13:34, ChrisKnottIns said:

Hi Tilt, you can't extrapolate a day rate up to an annual rate like that because that's not the way short-term insurance works - the risk is arguably greater when one considers why most people might want a single day's cover. £25 sounds pretty good to me.

 

best,

Nick

Hi Nick...............................I get what you say. (I did say 'not too bad').

 

How would I stand on purchasing a full years insurance, knowing this was to be cancelled as soon as the mot was passed (or maybe once car sold)?

I'm bearing in mind also that it may not necessarily pass the mot as it has been standing, (although it is in vgc otherwise).

 

Would I have to declare this as the 'have you ever had insurance cancelled' question gets asked. Does this question mean cancelled by the insurers?

 

I have two lots of 'no claims' of which one unused at present. I think still valid though would have to check.

 

Genuine situation and not trying to pull the wool over anyone's (insurers) eyes. I only have the car now (still) as it was all set for sale but I got bitten by another animal whilst protecting my dog and ended up in hospital at the time.

 

To add - to others, I will not be considering tow (rope) ing the car and will assume if it is on a trailer then it wouldn't need insurance.

 Damage to third parties or my car would (should) be covered by the trailer's vehicles insurance.

 

 

 

 

Edited 28 January, 20179 yr by Tilt

To try and clear the 'towing' situation up..........................I would assume that if all four tyres of my car were intended to be on the ground whilst being towed, it would be illegal to tow my car anywhere without my car having it's own insurance and tax and even mot, as the car would be utilising it's own mechanicals. (agreeing with offski there).

 

If the front wheels were raised for towing I would assume (maybe incorrectly?) that my car would not require it's own insurance (as it would be attached in a trailer like fashion), and so covered by the towing vehicles insurance. (maybe disagreeing there). This could be an option although then you have to pay for the tow anyway, unless you have a mechanic mate with use of a tow truck.

Edited 28 January, 20179 yr by Tilt

Day insurance or Car Transporter hire at maybe £35 a day if you have a tow vehicle is the easy options. (location dependent.)

On 28/01/2017 at 13:27, Tilt said:

Hi Nick...............................I get what you say. (I did say 'not too bad').

 

How would I stand on purchasing a full years insurance, knowing this was to be cancelled as soon as the mot was passed (or maybe once car sold)?

I'm bearing in mind also that it may not necessarily pass the mot as it has been standing, (although it is in vgc otherwise).

 

Would I have to declare this as the 'have you ever had insurance cancelled' question gets asked. Does this question mean cancelled by the insurers?

 

I have two lots of 'no claims' of which one unused at present. I think still valid though would have to check.

 

Genuine situation and not trying to pull the wool over anyone's (insurers) eyes. I only have the car now (still) as it was all set for sale but I got bitten by another animal whilst protecting my dog and ended up in hospital at the time.

 

To add - to others, I will not be considering tow (rope) ing the car and will assume if it is on a trailer then it wouldn't need insurance.

 Damage to third parties or my car would (should) be covered by the trailer's vehicles insurance.

 

 

 

 

Hi Tilt, I think that would be an expensive route as the insurer is likely to levy a charge for the time on cover plus an admin fee or cancellation fee. You wouldn't have to declare a policy that YOU'VE cancelled, your view is correct - it's a question about insurers cancelling cover on you.

Hi,

Please feel free to give us a try for short term insurance if you like however to be honest what you'be been quoted sounds pretty competitive.

Regards,

Dan.