keep car not insured?

jsabina

Hi,
a stupid question.
If a car is not insured (something like insurance suspended) and obviously nobody is driving it, where do I need to keep the car?
In a private property / garage or can be in the parking space of my apartment?

Thanks

listermint

I believe all it needs is Tax to be parked on a public road. I dont believe insurance is required to store it there.

Only required if being driven.

I may be wrong though.

MugMugs

jsabina wrote: »

Hi,
a stupid question.
If a car is not insured (something like insurance suspended) and obviously nobody is driving it, where do I need to keep the car?
In a private property / garage or can be in the parking space of my apartment?

Thanks

From memory you don't require insurance to park her on the road but obviously do to move her.

Unless your Insurer states she must be kept off the road / public spaces then I couldn't see an issue with an apartment space.

Bannasidhe

listermint wrote: »

I believe all it needs is Tax to be parked on a public road. I dont believe insurance is required to store it there.

Only required if being driven.

I may be wrong though.

But car needs to be insured in order to be taxed.

endacl

Got in there just ahead of me...

Must be taxed to be parked on a public road, and must be insured to be taxed. Ergo...

biko

Untaxed cars cannot be kept on a public road.
Uninsured, but taxed, cars could be done for non-display of valid insurance disk on a public road.
I would think it's ok in a space in parking garage, as long as it's on someone's private property.

jsabina

Ok, so the car has the tax paid and I can insure in may (I need to wait that my insurance expires.. not from ireland, stupid long story).
The park space is on a quiet road, but still on the road, even if comes with the house I rented.
I would not move the car.

In my country is not permitted, the car, if not insured, have to be in a closed garage.. not sure about here..

bazz26

Legality aside, I would not leave an uninsured car parked in a public place. It could be vandalised, damaged or stolen and you have no cover. Better off having it locked away somewhere where it is less likely to be accessed by the public.

jsabina

yep. that's a good point as well..
(ok fighting with the insurance companies to find a solution, or I will need to find a place for the car )

MugMugs

jsabina wrote: »

Hi,
a stupid question.
If a car is not insured (something like insurance suspended) and obviously nobody is driving it, where do I need to keep the car?
In a private property / garage or can be in the parking space of my apartment?

Thanks

You can choose to "lay up" you vehicle with your Insurer.

What this means is that your motor is still Insured for fire, theft etc but not for any road use activity. As such, she is still Insured but just not for use on the road. This would then facilitate you to Tax your motor to keep her on a public road.

I actually thought you meant lay up in your OP hence my initial response.

jsabina

MugMugs wrote: »

You can choose to "lay up" you vehicle with your Insurer.

What this means is that your motor is still Insured for fire, theft etc but not for any road use activity. As such, she is still Insured but just not for use on the road. This would then facilitate you to Tax your motor to keep her on a public road.

I actually thought you meant lay up in your OP hence my initial response.

but would be possible to do a new insurance with only theft and fire?
the problem is that I cannot bring my proof of no claims until the old insurance on the other car (that will be locked in italy) expires (I know, it's crazy).
Without proof of no claims the rate is crazy high.
So I can't see a solution actually

MugMugs

jsabina wrote: »

but would be possible to do a new insurance with only theft and fire?
the problem is that I cannot bring my proof of no claims until the old insurance on the other car (that will be locked in italy) expires (I know, it's crazy).
Without proof of no claims the rate is crazy high.
So I can't see a solution actually

Sorry, other car? I am confused.

Basically what happens is that you have a car, you insure said car. You pay your premium or by Direct Debit. Then you ask to lay up the policy (or just ask this from the start) The Insurer refunds any premium due on a pro rata basis for the lowered risk. You return your cert and disk but still have Insurance on the car for Taxing purposes. Your motor is now laid up, and you're still earning an NCB

ThreeLineWhip

But car needs to be insured in order to be taxed.

Not at all. In theory it needs insurance for the first day the disc is valid. No checks are made these days.

jsabina

Ok it seems I solved..
sorry if the post was confused, the problem was that I have already another car and I had problems to open the new insurance, for this reason I thought I had to wait a period with the new car without insurance..