Do you need insurance if you are not going to drive the car?

mafille.mavie

You would need a minimum of Third Party insurance (and road tax) to park an out of use car on the roadside for reasons such as you mention.

ChocLover

Unless you have declared your vehicle SORN (off the road - and it MUST be kept off the road) then you have to have valid insurance.

rowdy

If by "on the side of the road" you mean "on the road", then yes. For the purposes of insurance, parking a car on the road comes under the heading of "using a car on the road".

If it rolled into another car, then, even though it might not be your fault, it'd be your responsibility (if the handbrake snapped it'd mean poor maintenance), so you'd be called on to pay any compensation. Whether or not you claim on your insurance would be up to you.

kish

Well a car would have to be insured.

Lets say your car was parked on the side and someone smashed in to your car and drove off, who would you get your money off? it would have to come out of your own pocket.

Best to be insured.

Bardic

It's not a question of "best to be insured", it's a legal requirement in the UK. If the car is on the highway, which includes being parked, it must have tax, insurance & a valid MoT if appropriate. The snapped handbrake scenario is one reason why. Your car, your responsibility, your insurance to cover.

These days, uninsured or untaxed cars can be detected, siezed and sometimes crushed.

ALL vehicles that are parked on the road are LEGALLY required to have Insurance, a MOT AND have a valid Tax Disc.

If it wasn't insured and it rolled into another vehicle the current or last registered owner would be held LEGALLY responsible for the cost of the repairs to the other vehicle

lilian c

just get it insured!! and YES it would be YOUR FAULT!! all cars have to be insured and have road tax!! its called being a responsible adult!

lol

you need to keep it insured as it covers theft of your car, damage to your car etc

boden21

yes

Iron Serpent

Yes, if the car is going to be parked on the road you still need insurance to cover you for fire and theft at least.

If the handbreak slipped and damaged another car then your insurance would have to cover it. Or you would have to pay for the damage yourself if you didn't have a policy and would also have to explain why you are not insured to the local constabulary.

*â‰ˆSTEVIEâ‰ˆ* *â‰ˆBâ‰ˆ*

If your car hits another you`re liable. If one hits you they are.

astopo

You can try http://www.mobiuslink.com/insurance/car-insurance.html

welcome news

If the vehicle has a motor in it and is on a 'road' as defined then (1988 RTA Sec 143)

(a) a person must not use a motor vehicle on a road unless there is in force in relation to the use of the vehicle by that person such a policy of insurance or such a security in respect of third party risks as complies with the requirements of this Part of this Act.

The next question is. Is parking 'use of the vehicle'? If you have articles in the car is the vehicle being used to store them.

Welcome to the vargancies of the British Legal System.

I am an insurance broker and have not come accross a case exactly as you describe so I cannot confirm one way or the other. The prudent thing would be to have insurance anyway because if you don't then you would be held liable for the costs following an incident as you describe (if you were shown to be negligent) and you would have no protection.

FYI

The definition of a road in England and Wales is 'any highway and any other road to which the public has access and includes bridges over which a road passes'. In Scotland, there is a similar definition which is extended to include any way over which the public have a right of passage. It is important to note that references to 'road' therefore generally include footpaths, bridle-ways and cycle tracks and many roadways and driveways on private land (including many car parks).

dhara s

hi check this link its good

http://insurancess.notlong.com

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ptcruisher2001

If you live in a state that requires you to have license plates on a car that is not in a storage facility like a garage or car port. If you have license plates on your car you have to have insurance unless you live in a state that you can claim that you are so self sufiecent that you can pay out more or equal to what the minimum of what the state law for laibility coverages are. furthur more Im pretty sure if you have a lapse in insurance than they DMV can suspend your license if you dont turn the plates in

Flossy

You do not need insurance on a car that isn't driven if the car is going to be parked in a compound away from the road.

If you are going to park the car on the road and leave it stationary, although it isn't mandatory, I would recommend that you still insure the vehicle for Third Party only. This means that any damage to your own car isn't covered, but any damage to someone else's property would be covered (which would cover your example of the handbrake cable snapping). If you decided not to insure the vehicle and kept it stationary on the road side, and the handbrake cable did snap, you would be persued personally for the damages. This could mean you being sued, sent to court, and ordered to pay for not only the damage to the vehicle, but also repay the legal fees for the claimant.

Johnnie5

Well, if you didn't have insurance I'll bet YOU would be paying for it out of pocket (and maybe some fines to boot).

However, I think that in certain situations (like if your car was in repair for a long time or impounded) you could avoid insurance as long as you could prove to the DMV (or MVD) that was the case and it wasn't being driven. I'm not so certain about it just being parked.

Big H

If you have the car registered as non operational then you don't need insurance, and if it rolls off your driveway and hit's something then it should be covered by your home insurance if you have it.

simon j

I think not, but you do need tax if its to be parked on a public road. If you are worried about the hand brake then put some bricks under the wheels to stop it rolling if the hand brake did snap

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