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Re: Possible new EU law - Insure SORNed cars.

What about all the vehicles in museums?
My A35 and MM100 are up on stands, with the Austin in bits.

Geoff - Getting ready to weld Mud Wings.

Location: South Norfolk - Next to Suffolk

Re: Possible new EU law - Insure SORNed cars.

Mike Costigan
Charles Levien



Isn't it a good idea to insure a SORNed vehicle, even if it's in bits. Fires have been known to happen


Charles


This isn't intended to be a requirement to insure against loss, but against third party claims. After all, it seems quite reasonable to ensure that your pile of unrestored bits doesn't wake up in the night and run over that innocent burglar and then you be faced with crippling compensation, doesn't it?


It seems to me that the burden of protest is against the prospect of having new rules imposed upon us and to a large extent I agree but it delusional to believe that objectionable ideas all originate from the EU
I'm sure we shall see a few home grown ones as time progresses.

Charles

Location: Norfolk

Re: Possible new EU law - Insure SORNed cars.

Perhaps one should read more carefully the article and consider why the EU is proposing insurance for SORNed vehicles and not jump to the conclusion that the EU is generating more unnecessary red tape or trying to frustrate our interest in old vehicles,

“compulsory insurance should cover any use of a vehicle, so long as that use is consistent with the normal function of the vehicle.”

The relevant point is ‘consistent with the normal function of the vehicle.’

If you had been knocked off a ladder by a vehicle and injured would you expect compensation? I think you would, even if it’s only for a new ladder! If the vehicle was insured you would stand a good chance of compensation if the vehicle wasn’t insured then your chances of compensation would depend on how rich the driver was or how many cars he may have to sell in order to pay.
It’s easy, as I have done, to dismiss the running of an uninsured vehicle on private land as of no matter BUT things can go wrong. The EU by making this proposal is protecting both the victim AND the driver/owner.
We live in a world where compensation and suing is more and more prevalent; indeed as we all know there are companies out there that specialise in the whole business of claiming against someone.
I fear the article has been skewed to whip up anti EU proper gander. As for red tape the UK is a past master at producing it’s own fair share!

Re: Possible new EU law - Insure SORNed cars.


Roger,
The problem / issue for a lot of people being, that the implication is that you may have to have insurance whether the vehicle is driveable or not and not whether you should have insurance for use on private land.

Steve V.

Location: Polegate, East Sussex, United Kingdom

Re: Possible new EU law - Insure SORNed cars.

i had ths argument long and hard with an insurance co. over the theft of various parts from a bike that was sorned and in bits in my garage the bike was insured.. Apparently the vehicle as a whole entity is insured not individual parts so if something is stolen from the garage than it has to be claimed on your household insurance.. so we came back with if my car was simply in the garage and someone stole the radio what would you do.. and they said they would honor that as it was in the car but bits not on the vehicle tough..

Location: Pennines

Re: Possible new EU law - Insure SORNed cars.

Hi mark,

You will probably find your household insurance won't help with car or parts or related items either.

My first insurance for contents, I told them what my hobby was in the shed. And was told I was covered.

After being burgled, I lost a lot of tools etc. Mics, specific tools for the job etc.

the insurance company then told me the sheds and garage are covered. But only for holding home related items. And only tools that you would use to work on the home. (Not the car).

So they paid out for drill and jig saw, and socket set. Even a tool box to put them in.

But anything relating to the car, NO.

it needs to actually be listed in the policy, same as if you have a collection of model cars or maskots. They need to be listed or insured seperate.

Tony.

Location: Huncote on the pig

Re: Possible new EU law - Insure SORNed cars.

Can't say I welcome any of these sort of rules, because I would like choice.
Having said that I have always chosen to insure all my Sevens even when SORNED.

Location: The Centre of the Universe

Re: Possible new EU law - Insure SORNed cars.

When I started working on my car I had intended to tax and insure it as normal but the work took longer than anticipated. The car insurance became due and to save some cash I chose to change to fire and theft only. I forgot, however, to SORN the car. I subsequently received a threatening letter from the legal arm of the DVLA saying that their records showed that I had not insured the car for the road and must therefore SORN the car or face prosecution.
I immediately insured the car for fully comprehensive insurance and SORN'd the car.

It would seem that it is not just car tax the authorities are keeping tabs on - they know if you haven't insured your car too!

I feel that there is no need for such heavy handed treatment over such a minor infringement.

Be advised my friends, BIG BROTHER IS WATCHING YOU!

Location: Derby

Re: Possible new EU law - Insure SORNed cars.

A year or two ago my insurance company advised me that my insurance was due and no action was needed on my part as it would be automatically renewed unless I cancelled the policy. So as the letter said I took no action assuming that my insurance would be renewed.

Six months later when taxing the car on line I wasn’t able to do so as according to the DVLA I had no insurance cover. A phone call to the insurance company revealed that they had made an error and not renewed my policy. They said they would have honoured any claim against me. I suspect however that in law the onus would have been on me to ensure I had cover and knowing how insurers wriggle out of claims wonder if they really would have honoured a claim.

So beware and make sure you are covered for what you want and not for what you think you are covered for.

Roger