LHD220Turbo

iTrader: (4)

Gents;

i've got 11 years No Claims Bonus, but i havent insured a car for near on 2 years. Now to stop me from losing the the 11 years, i have to insure a car by 10th Jan 2012

i dont currently have a car and i dont really need one, i use the Mrs car as and when.

now, i'm thinking of insuring a banger which i have scrapped, - is there any legal reasons why i cant do this?

Fudgey

iTrader: (4)

err its scrapped lol

i used to get round that 2 year thing by taking it in turns with the missus at insuring our one car as i had a work van as you know.

now i have a runabout lol so it doesnt matter.

does it have to be a full policy tho, i mean can you insure something for say a month, and then cancell it and then have another 2 years to play with?

fuzzy

can you insure a car thats been scrapped and has probably had a cert of distruction issued against it? surely that would be on their database?

Escy

If a car is insured, does it need to be taxed or is it the other way around?

fuzzy

it can be insured but it could be sorned.

LHD220Turbo

iTrader: (4)

wish it did but it doesnt work like that, i insured the lexus for 3 months last year but doesnt give you another 2 years to play with

the car i scrapped was a shitty old proton which will cost me less than Ł250 for the year to insure, just want to preserve my NCB

LHD220Turbo

iTrader: (4)

thats what i'm not sure about

Fudgey

iTrader: (4)

have any f your mates got a car on sorn that you could insure as a laid up policy??

LHD220Turbo

iTrader: (4)

if a car is taxed, it has to be insured doesnt it? my plan was to insure it then SORN it

Fudgey

iTrader: (4)

pretty sure if its been scrapped properly and the logbook has been sent of correctly then you may have issues.

if you have just scrapped i but still have the log etc then i guess who will know?

fuzzy

i think you might be opening up a can of worms with that. a false statement to your insurer, a false declaration of sorn. id maybe go down the route of buying a banger for a couple of hundred quid and insuring that . do you lose the full 11 years NCD or part of it?

Fudgey

iTrader: (4)

and yes you can insure a car without taxing it, like my 3dr. i had to insure that last august to stopmyself loosing my ncb like your situation. that wasnt on the road at all and was already on sorn

dojj

iTrader: (3)

used to do this years ago, simply insure a car that had nothing to do with me and it was fine

even if it's scraped they just want your money

just make sure that they don't want pictures of it before you fork out the money

LHD220Turbo

iTrader: (4)

afraid not, worst case i'll buy one but want to try and avoid that if i can

LHD220Turbo

iTrader: (4)

all of em!

Derby_Gav

Can't you buy a banger, cut it up and weigh it in, and just sorn and insure it? Keep the vin plate and log book? Unless this is what your planning on doing and I have missed this!

I did this a couple of years ago when I scrapped a old discovery just so I got the full years ncb.

A insurance company wouldn't find out if you did that and I can't see any risks either.

Gavin.

LHD220Turbo

iTrader: (4)

maybe that's what i'd have to do but that's more bother!

Derby_Gav

Do you know anyone/anywhere that will scrap the car without a log book?

Buy it and get rid same day.

LHD220Turbo

iTrader: (4)

umm not sure

Fudgey

iTrader: (4)

there was a scrappers in basset mate that collected my 3dr shell.

granted i had cut the roof off it, but i had also cut out the vin and removed all id etc and kept the log book.

they took it no questions asked lol

LHD220Turbo

iTrader: (4)

nice one, wasnt Rayners was it?

Fudgey

iTrader: (4)

might have been mate, thb i cant remeber. just an ad out the advertiser.

xr2wishy

iTrader: (2)

just ask about for someone with a project car and borrow the reg for insurance purposes

Fudgey

iTrader: (4)

cant you insure pauls cortina lol, im sure he wont mind as its not going anywhere just yet.

LHD220Turbo

iTrader: (4)

lol

Insurer: is the car standard?

ummmmmmmm not exactly!

xr2wishy

iTrader: (2)

/\ as long as it's not on the road or any claim go in against it, then you'll be fine
just find a full shell resto and blag them a couple of quid to keep your NCB active.

LHD220Turbo

iTrader: (4)

cheers, its an option

yellowsierra

buy the cheapest pile of poo that is drivable and localish to you. Remove tags and take it for weight in and take plates off
Then sorn it and insure it with a "laid up" policy
Simples

Ian

RstAaron.

I've got a couple of cars sitting about you could insure, they won't be going anywhere soon.

Other than that can't you insure your Mrs' car? Had no issues when I had multiple policies on a car, as said the insurance companies just want your cash.

Mr S1

iTrader: (2)

Exactly what I'd do - hardly going to be involved in any accidents is it !

Fil

Got a log book here to my old xr4x4 that dont exsist anymore, broke it and scraped the shell 5 ish yars ago, just SORN it every year. ( for the same reason your in, if it ever occured )

welcome to use it if you cant sort anything else in the next few days.



PS you need to clear out some old PMs, will send the reg, for quotes etc

LHD220Turbo

iTrader: (4)

cheers, thats good of you

my gold membership has ran out so will sort that out in a few mins and it will be empty

rsfido_1989

Iv got a zetec s fiesta with no engine or wheels you could borrow the id off if ya get stuck...

Iain Mac

I can see a can of worms opening if anything happened to the car while it had two policies active on it.

We know they want your cash but they are less keen on shelling out theirs and this gives them plenty of scope to argue about who pays what - and that's before the other driver's insurer gets involved.

ANDYRACER

Ive got the same with my old nova sr, cut it up and scraped it but keep sorning the car so if you need something cheap to insure drop us a PM.

RstAaron.

Just remembered I have a Volvo Amazon on sorn in the same scenario lol. Also have a 205 pug that's sitting at my mums whilst it waits it's fate...

vaughant

iTrader: (1)

I've got two motors at least you could insure that will be going nowhere,ones a mk1 golf gti cab the others a fiesta DERV.
Just let me know,Vaughan.

Brendan

iTrader: (1)

why not insure a complete non runner moped from ebay on a sorn, you could even have a limeted milage policy! just make sure you DO NOT LIE to them but it is legal to insure a non runner just not drive it ( as it has no MOT). most insurance companies will not mind as this is effectivly a zero risk policy!

Fudgey

iTrader: (4)

i was going to suggest a ped, but can you swap your no claims between bike and car insurance??

Brendan

iTrader: (1)

my dad did this a long time ago!