| Vehicle Insurance Please use this forum to discuss vehicle insurance companies, services, quotations, recommendations, etc. |
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14th July 2014, 13:23
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#1
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Infrequent Poster
Join Date: Aug 2013
Location: Peterborough
Posts: 136
Car(s): Citroen Saxo 1.1 Forte
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Leaving a car uninsured?
Hi everyone,
A bit confused as to insurance laws. If a car is Taxed and MOT'd, and registered in my name, am I allowed to leave it parked on the road if it isn't insured in my name? Both my parents have insurance that allows them to drive other cars, so would my car count as being insured even though it doesn't have a specific policy tied to it?
Thanks
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14th July 2014, 13:34
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#2
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Saxperience Addict
Join Date: Nov 2006
Location: A farm shed in Aylesbury
Posts: 14,916
Car(s): Corolla AE86
Peugeot 205 B18C (in bits)
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If you want it to be on the road it has to be insured.
If your parents want to drive it the car needs to be insured on its own policy. They cannot drive an uninsured car on their policy.
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14th July 2014, 13:55
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#3
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Infrequent Poster
Join Date: Aug 2013
Location: Peterborough
Posts: 136
Car(s): Citroen Saxo 1.1 Forte
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ok thank you, i'm guessing that's the same for all public land, ie it can't be left on a public green outside my house as the same rules apply as to it being actually on the road?
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14th July 2014, 14:12
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#4
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Saxperience Post Whore
Join Date: Nov 2010
Location: Kent
Posts: 8,439
Car(s): Gen 7 Celica 190.
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It says on the insurance policy, the policy holder is insured to drive any other car providing the car being used is insured by its owner
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14th July 2014, 14:14
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#5
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Infrequent Poster
Join Date: Aug 2013
Location: Peterborough
Posts: 136
Car(s): Citroen Saxo 1.1 Forte
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Ahh ok I see. Looks like i'll have to find some farm or something to keep it on for a month or 2 while I get the funds together to insure it, oh the joys of being an 18 year old trying to buy a VTS 
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14th July 2014, 14:53
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#6
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Established Member
Join Date: Jan 2013
Location: Portsmouth
Posts: 1,335
Car(s): 1997 Mk1 VTS
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Quote:
Originally Posted by tastysombrero31
Ahh ok I see. Looks like i'll have to find some farm or something to keep it on for a month or 2 while I get the funds together to insure it, oh the joys of being an 18 year old trying to buy a VTS |
Just get a VTR, half the price in insurance and you don't loose all that much in regards to speed and power.
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14th July 2014, 15:04
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#7
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Infrequent Poster
Join Date: Aug 2013
Location: Peterborough
Posts: 136
Car(s): Citroen Saxo 1.1 Forte
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I'd prefer a VTS, there's just something about them. Plus, this one is posi blue, 76,000 miles and only 5 minutes down the road, and going for £450
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14th July 2014, 15:45
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#8
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Saxperience Forum Bum
Join Date: Mar 2012
Posts: 3,593
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Quote:
Originally Posted by tastysombrero31
I'd prefer a VTS, there's just something about them. Plus, this one is posi blue, 76,000 miles and only 5 minutes down the road, and going for £450
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Sounds like a bargain.
Don't listen to the above, 16v is the way forward 
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14th July 2014, 19:02
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#9
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Infrequent Poster
Join Date: Aug 2013
Location: Peterborough
Posts: 136
Car(s): Citroen Saxo 1.1 Forte
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Yeah, nothing is solid yet but I had a quick look and all was good, gonna go for a proper look and test drive later in the week I think 
Thanks for all the help!
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15th July 2014, 07:57
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#10
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Saxperience Hardcore!
Join Date: Sep 2007
Location: Jail - Whitby
Posts: 15,034
Car(s): 520bhp Honda Jazz
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To be fair, if it's a village green, and there are farms.. I'm guessing it's rare to see the police around there? Especially a traffic car with ANPR to see if it's insured.. I'd just take the risk.. Worse that can happen is they impound the car.. Then you just leave it, and lose the £450, or pay £150 to have it released and get a parent to insure it to get it out..
Not condoning driving without insurance, but it sounds like if it's in a village, it's probably not going to get smashed into by anyone, so you have no need to worry if it's just sat still
__________________
Life's a bitch, then you die.
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15th July 2014, 08:28
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#11
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Saxperience Forum Bum
Join Date: Mar 2012
Posts: 3,593
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^that's what I'd do. Problem might not be police passing through though - its neighbours who have nothing better to do and end up ringing the police if the car has been parked there 'suspiciously' for a few weeks or more.
Happened to a mate of mine in a quiet village with nosey neighbours.
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15th July 2014, 09:12
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#12
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Saxperience Addict
Join Date: Dec 2009
Posts: 11,712
Car(s): A6 Le Mans tuned/A3 TFSI tuned
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happens in my street regularly, lost count of how many cars/bikes were clamped then taken away. Find a parking space on private land.
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15th July 2014, 09:33
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#13
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Saxperience Forum Bum
Join Date: Mar 2009
Location: Morpeth
Posts: 2,539
Car(s): BMW 116d Regional Toner Sales Edition
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VTS' are cheap as chips. If you can't insure it, what's the point in buying it? Just wait till you can afford the insurance, then buy a cheap one then?
Or am I missing something?
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15th July 2014, 09:47
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#14
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Saxperience Post Whore
Join Date: Mar 2003
Location: United Kingdom (England)
Posts: 7,064
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£450 to buy, have you looked at insurance, what figures are you getting??
__________________
Stu QIf in doubt, just repeat the answer to the question....
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15th July 2014, 13:46
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#15
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Infrequent Poster
Join Date: Aug 2013
Location: Peterborough
Posts: 136
Car(s): Citroen Saxo 1.1 Forte
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Quote:
Originally Posted by smiith
To be fair, if it's a village green, and there are farms.. I'm guessing it's rare to see the police around there?
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Ironic that you say that, you were right up until about 3 weeks ago where a house near mine was raided for being a drug den, now there's police coming down my road almost daily haha
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15th July 2014, 13:47
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#16
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Infrequent Poster
Join Date: Aug 2013
Location: Peterborough
Posts: 136
Car(s): Citroen Saxo 1.1 Forte
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Quote:
Originally Posted by D4MJT
VTS' are cheap as chips. If you can't insure it, what's the point in buying it? Just wait till you can afford the insurance, then buy a cheap one then?
Or am I missing something?
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No, you're right, I decided not to in the end, my parents talked me out of it for precisely this reason, I think it was just a case of impulsivity and me not thinking about it, there's always gonna be a nice VTS for sale
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15th July 2014, 14:52
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#17
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Saxperience Forum Bum
Join Date: Mar 2009
Location: Morpeth
Posts: 2,539
Car(s): BMW 116d Regional Toner Sales Edition
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Quote:
Originally Posted by tastysombrero31
No, you're right, I decided not to in the end, my parents talked me out of it for precisely this reason, I think it was just a case of impulsivity and me not thinking about it, there's always gonna be a nice VTS for sale |
Good call.
There'll now be a myriad of posters saying that VTS' are drying up and you'll never get one.
Lol
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15th July 2014, 15:00
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#18
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Infrequent Poster
Join Date: Aug 2013
Location: Peterborough
Posts: 136
Car(s): Citroen Saxo 1.1 Forte
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Quote:
Originally Posted by D4MJT
Good call.
There'll now be a myriad of posters saying that VTS' are drying up and you'll never get one.
Lol
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Don't tempt fate, that's almost certainly gonna happen now 
Been keeping up with your 106 thread as well, its awesome 
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15th July 2014, 15:01
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#19
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Saxperience Forum Bum
Join Date: Mar 2009
Location: Morpeth
Posts: 2,539
Car(s): BMW 116d Regional Toner Sales Edition
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cheers buddy, it will be when it works properly all the time!
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15th July 2014, 15:04
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#20
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Infrequent Poster
Join Date: Aug 2013
Location: Peterborough
Posts: 136
Car(s): Citroen Saxo 1.1 Forte
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That's shitty french hatchbacks for you! Yet still we all obsess with them...
Good luck with it!
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