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[Clifford Pope]

That's my point - the obligation is to have insurance in force, not to have to wait for it to  recorded on the database.
If challenged while driving it home, the police can confirm insurance by ringing up the insurance company.

[w3526602]

Hi,

According to the Road Traffic Act, you can (or could) avoid the requirement for Third Party insurance, by depositing £1,000,000 with the Attorney General.  The Supermarket Chain who owned the pantechnicon that wrote of Barbara's SAAB obviously found this to be cheaper than paying for insurance.

The supermarket ignored all correspondence from our insurer, at which point most victims will cease fighting.

Luckily, at my insistence, Barbara had paid the extra (£10?) for Legal Protection.

The supermarket settled on the courthouse steps, which meant the return of Barbara's full NCD, and the wiping of any "black mark" from her insurance record, plus the virtual return of the "first £1,000" of any claim. Our insurers will have recovered the sum they had payed for Barbara's "write off", and presumably their "costs". Barbara can now reply "FULL CLAIM AGAINST OTHER PARTY" to any question about her insurance history.

According to what I read in the Press, Third Party insurance now costs more than Fully Comp ... which I presume the insurers can justify?

602
 

[Clifford Pope]

According to what I read in the Press, Third Party insurance now costs more than Fully Comp ... which I presume the insurers can justify?

Yes - because statistically people who have third-party only cover are, on average, higher risks than those with comprehensive.

It's all done on statistical risk. That's why it's cheaper to insure your car parked in the road rather than in a locked garage attached to your house. Because keeping it in the garage tells a thief which house to break into to find the keys, which is easier and safer than breaking into the car.

[Alan Drover]

It's a condition of my MG insurance that it must be kept in a locked garage overnight while at home otherwise the premium would increase.

[Supercal2007]

An Insurance company  that frequents this forum last year told me the information I had given them was incorrect. They said that the building beside my house (which was built at the same time as the house to keep a car in) was NOT a garage. They said it was "a building beside my house to keep a car in"!
Calum.

[Clifford Pope]

The rules will be different for classic cars, because they tend to be easier to break into than modern cars with sophisticated electronics. But now that modern cars are becoming increasingly easier to hack into perhaps the balance is swinging back again.
Perhaps soon it will be a condition of insurance that you remove the steering wheel and keep it with you at all times, like Mr Bean.  :)

[Alan Drover]

Perhaps soon it will be a condition of insurance that you remove the steering wheel and keep it with you at all times, like Mr Bean.  :)

The owner of the 2008 130 crew cab tipper Land Rover who lives a few doors down the road from me does just that

[Wittsend]

An Insurance company  that frequents this forum last year told me the information I had given them was incorrect. They said that the building beside my house (which was built at the same time as the house to keep a car in) was NOT a garage. They said it was "a building beside my house to keep a car in"!
Calum.

How did they know/determine that ?

Ask for a site visit.

Else go to another company that respects your custom.

 

[The Shed]

It's a condition of my MG insurance that it must be kept in a locked garage overnight while at home otherwise the premium would increase.

On a recent search for Landrover insurance, I did tell the advisor that I had no garage. Not a problem say he just a few Pound extra.
Everything appeared good so I took out cover, on reading the Policy I find said Landrover is not covered for theft if stolen whilst not stored in a locked garage overnight !
Policy duly cancelled.

[Simon K.]

Why then is it often cheaper for normal car insurance when the everyday car is kept on the drive rather than in the garage.?

Simon.

[Wittsend]

In this day-&-age how many owners keep their car in the "garage".

Modern-day garages are a joke.
You can not fit a standard size car in them 
Never mind putting a Land Rover in - door height is too low 
These garages are nothing more than a storage space with an up-&-over door - shouldn't be called garages.

I suspect insurers realise this.

As we have posted many times previously - If they want to steal your car/Land Rover they will take it - steering wheel or not!

With classic cars you can have agreed value insurance. When setting up the policy you have to prove/show the evidence that the vehicle is worth what you say.

So - the scenario posted above won't happen. You agree the value of 10K - the vehicle is lost/stolen - you get 10K not your supposed 15K 
You can claim what you like, but you'll only get 10K back.


 

[Alan Drover]

On a recent search for Landrover insurance, I did tell the advisor that I had no garage. Not a problem say he just a few Pound extra.
Everything appeared good so I took out cover, on reading the Policy I find said Landrover is not covered for theft if stolen whilst not stored in a locked garage overnight !
Policy duly cancelled.

My MG occupies the garage. When the tracker packed up and had to be returned for repair (3 day turnaround) Peter Best charged an extra £5 to cover theft. A heavy Bulldog wheel clamp is fitted too.

[The Shed]

The whole insurance industry is a minefield with no real correlation between perceived risk and cost.
Each broker/company will have their own rules and regulations.
Some years back when there where insurance brokers everywhere friend of mine worked at one.
A client of many years had been refused cover over the 'phone for his kit car.
He called into the office, explained to my friend, a car enthusiast, the car had a Rover V8. He rang the insurance company direct and asked could he base cover on a Rover Vitesse ?
The highest power Rover V8 at the time. Erm, yes. Was the response. easy when people know what they talking about. Not so easy these days.
I signed up for a 'phone quote at a show. The young lady called and asked about providing cover for my Landrover Series eleven ?
Now I know not everyone knows what a Series 11 is, but if that is part of your business I think you should. 

[Clifford Pope]

But it's not a Series 11, it's a Series II.

[The Shed]

But it's not a Series 11, it's a Series II.

Agreed but on a piece of paper 11 could be II when it is written as ||. My point is someone who specialises in classic Landrover insurance should know that there is no Series eleven.
Reminds me of trying to insure my old Rangerover some years back with a High St' insurer.
"Is it a Vogue or a Fleetline" ( Fleetline being what was sold to the Police etc). No it was neither. But that was all they had listed.
So move on to another broker.