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Feb 27, 2014 11:08:58 GMT
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Like a lot of internet discussions, both points of view in this thread are correct.
Tom, just find a place to park it off the road - a garage, a garden, a supermarket car park, a station car park, etc. Or ask a parent or friend to add it to their insurance for a while.
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Feb 27, 2014 11:17:59 GMT
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any vehicle on public highway whether driven or not has to be insured, no ifs or buts. this also includes carparks etc where public have access.
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Feb 27, 2014 11:21:26 GMT
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Speaking from experience, if the car is parked on a public road, it must be insured. I got done for it 20+ years ago, and ended up with 6 points on my licence, the fact that the car hadn't moved in 6 months was irrelevant. The law has tightened up since then, and yes they do have the power to tow your car away and crush it. The only 'get-out clause' is if the car has no engine, then it is deemed to be 'not mechanically propelled'. Don't risk it!
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1953 Minor (Long term project) PT Cruiser
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Feb 27, 2014 11:21:59 GMT
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a supermarket car park, a station car park Don't use those 2 options, have missed 2 cars for breaking from the local supermarket, (beaten by the banger boys) after they've been left in the car park for a month now, a removal/ storage charge etc legal notice goes on them quick sharp then they dispose of them once the notice period has expired. They also tend to get vandalised Did this thread just move BTW thought it was in either questions or technical? Edit adding in - without the Supermarkets permission (unlikely to be granted in this day and age anyway)
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Last Edit: Feb 27, 2014 11:24:18 GMT by dodgerover
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Feb 27, 2014 11:23:56 GMT
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bortaf
Posted a lot
Posts: 4,549
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Feb 27, 2014 12:49:22 GMT
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Better move it then. God dam! Should i have been sent a letter saying i shoild surrender tax? Not really, it's your car it's down to you to know the law and act accordingly.
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R.I.P photobucket
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Feb 27, 2014 12:58:30 GMT
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I have had my e36 sitting out side with no insurance but has mot and tax for the past 3 months. I have had no letters or anything from dvla.
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Feb 27, 2014 13:14:40 GMT
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Bet you're sorry you asked now lol, I know I'm sorry you asked!
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Feb 27, 2014 13:15:38 GMT
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Like a lot of internet discussions, both points of view in this thread are correct. Tom, just find a place to park it off the road - a garage, a garden, a supermarket car park, a station car park, etc. Or ask a parent or friend to add it to their insurance for a while. Not really. The point of view that says, you can't be prosecuted AND HAVE POINTS ADDED TO YOUR LICENCE unless you are driving isn't correct. Also "public place" means "anywhere the public have access to", so, while a garage or a private garden should be a OK, sticking it in a supermarket car park or station car park is no better than leaving it outside your front door. People ask for advice and may rely on the advice received, so, the people offering advice, unless they know what they are talking about, would really be better not saying anything or at the very least prefacing it with, "I think" or, "I might be wrong, but.....".
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Feb 27, 2014 14:05:17 GMT
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Exactly.....as for petrol stations ect, if you have permission could you do that as it's private land, as is your drive ect?
I might be wrong but....
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Feb 27, 2014 14:56:25 GMT
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If it's a part that is just a public car park, it's the same as a supermarket or railway station car park, really. Very difficult to say, without knowing the exact circumstances. Points are sore. Better not risk it.
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Feb 27, 2014 17:07:36 GMT
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All or some of the above may be true, but just to throw a curveball out there. I have a trade policy, it covers me to 'use/drive any vehicle in my care'. My missus swapped her car last week, but has not sold her old one, it has half a tank of fuel left in it, so I'm using it. I have been all over the place in it today & as such it has been parked, here there & everywhere. If it got ANPR it would come up no insurance, but it is cos I'm using it & I can, quite legitimately. It's taxed & mot'd, so my point is, if I choose to park it on the road for sale, as the OP suggests, are we saying it would get towed? Can't see it myself
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Feb 27, 2014 17:07:57 GMT
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Take it to your local football stadium on match day and stick a sign in the window, leave it there till match finishes and either drive it home or take the buyer to the bank for the cash.........that's what mike brewer would do!
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Feb 27, 2014 17:54:42 GMT
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All or some of the above may be true, but just to throw a curveball out there. I have a trade policy, it covers me to 'use/drive any vehicle in my care'. My missus swapped her car last week, but has not sold her old one, it has half a tank of fuel left in it, so I'm using it. I have been all over the place in it today & as such it has been parked, here there & everywhere. If it got ANPR it would come up no insurance, but it is cos I'm using it & I can, quite legitimately. It's taxed & mot'd, so my point is, if I choose to park it on the road for sale, as the OP suggests, are we saying it would get towed? Can't see it myself No. I think the chances of it being towed are probably slim. But it is insured, so no crime has been committed. I've been stopped often for no insurance in cars not on MID. I just give them a number of one of the ones - if I can remember them - that is and they are fine about it. My only interest in this thread really was to correct the industry experts who opined that it is no crime for not being insured unless you're driving it. If it is parked and it is not insured, you risk penalty points. I am not sure about it getting towed.
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Feb 27, 2014 18:32:08 GMT
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Another screwball is if you have "trade " insurance then you are only covered for the trade value of the vehicle unless you inform insurer otherwise. So whilst a car might be worth, say, £5000 on a forecourt if it's nicked then insurer will only pay out trade value - say £3500. Someone I know asked me to collect a car belonging to their wife on a trailer. Turned out wife had a new car so husband decided to sell the old car, a Mazda 6, on his own sales plot - corner of a petrol station. The forecourt price was something like £7000. Idiot took a bend too fast and ended up hitting the cars that were for sale. The Mazda was considered a write off. The other parties insurer only paid out the trade value and chap tried to argue that the Mazda was his wifes and not trade stock so worth a lot more than the amount they were offering. He didn't win and had to accept less than half the amount it was previously on the forecourt.
Paul h
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Feb 27, 2014 18:44:42 GMT
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Correct but you pays ya money you takes ya chance. I have 7 cars, loads of bikes & a van all covered for less than a grand, if I covered them all individually it would be fortunes.
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Feb 27, 2014 18:52:53 GMT
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And another curveball, I may be wrong or just thinking, or maybe I'm just making it up because I'm an 'industry expert' and have nothing better to do than give wrong advice without first checking Google..
Anyhow with a traders policy it states something along the lines of 'any car belonging to you or in your control for motor trade purposes' so check that a spouses car is covered, because some consider it as neither owned by you or in you control for trade purposes if you are just going shopping in it.
the regs where changed a few years ago to stop traders using spouses cars so you may (differs with each insurer) not be covered unless it states 'spouses cars' on the policy.
(I was told the above by my trade insures last year)
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Last Edit: Feb 27, 2014 19:09:14 GMT by Deleted
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Feb 27, 2014 19:28:22 GMT
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Another screwball is if you have "trade " insurance then you are only covered for the trade value of the vehicle unless you inform insurer otherwise. So whilst a car might be worth, say, £5000 on a forecourt if it's nicked then insurer will only pay out trade value - say £3500. Someone I know asked me to collect a car belonging to their wife on a trailer. Turned out wife had a new car so husband decided to sell the old car, a Mazda 6, on his own sales plot - corner of a petrol station. The forecourt price was something like £7000. Idiot took a bend too fast and ended up hitting the cars that were for sale. The Mazda was considered a write off. The other parties insurer only paid out the trade value and chap tried to argue that the Mazda was his wifes and not trade stock so worth a lot more than the amount they were offering. He didn't win and had to accept less than half the amount it was previously on the forecourt. Paul h Loads of trade policy hassles like that. Some are road risks only - no cover unless it is being used on the road. Most cover your recovery truck or trailer. Most don't cover what's on it. Some insist on you covering your SDP use on another policy. I've heard Tradex have form for insisting in seeing your books/accounts/self assessment info to prove you are actually trading in the event of a claim. Mine covers my own personal classic cars on agreed value basis, not trade, covers customers' cars at market value and my own stock at trade value. What's on the trailer is covered on the same basis. Parts and what's inside the premises are covered, except tools, and it allows me drive any car in my care, custody or control, including my modernish daily. Also covers public and employer's liability. But it's not under a grand.
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Feb 27, 2014 19:40:37 GMT
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Correct but you pays ya money you takes ya chance. I have 7 cars, loads of bikes & a van all covered for less than a grand, if I covered them all individually it would be fortunes. Same reason as why I switched to a trader policy, the only expensive car I have is my focus, okay not really that expensive and because it is on tick I got extra cover I think its called Gap insurance or similar with the finance Co to cover me in the event of total lose as the trade payout would be no where near what I owed the finance Co leaving me to still have to pay for the fiancé outstanding. If I want a car covered for full value I have to phone them to agree and sometimes pay extra.
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Feb 27, 2014 19:49:28 GMT
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[ I've heard Tradex have form for insisting in seeing your books/accounts/self assessment info to prove you are actually trading in the event of a claim. ; I believe all trade insurers ask for proof of trading of some form in case of a claim, I was told I had to sell at least six cars a year. On a similar note of getting the wrong policy We impound a lot of traveller vans for no insurance that are carrying general scrap because their car traders policy do not cover them for this. There was a large increase of S165 seizures when operation fortress went live but it has tailed off slightly now either because they have got the message or only go to the scrappies when they know there is no active operation on and take the chance they won't get caught.
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