pow
Premium Member
Registered: 11th Sep 06
Location: Hazlemere, Buckinghamshire
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I've come to the point where I need to get the camper MOTd. To do that I need to get it to the MOT station, which means insurance.
I've phoned Admiral who insure the Alfa and they won't touch it for many reasons.
I've been on dayinsure.com and looked at their motorhome policy who will insure it but state the camper much not be modified (not much help at all).
Any ideas how one would do this? I want to be above board obviously!
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taylorboosh
Member
Registered: 3rd Apr 07
User status: Offline
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Just take a proper policy out? Then cancel? Plus then if it fails you will still have cover
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pow
Premium Member
Registered: 11th Sep 06
Location: Hazlemere, Buckinghamshire
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I'm thinking I might have to do that anyway you know, just use the cooling off period.
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Toby
Premium Member
Registered: 29th Nov 05
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Or in fairness if it's for one day why just insure it as a standard camper and add it your admiral policy for a week to get it MOT's.
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RichR
Premium Member
Registered: 17th Oct 01
Location: Waterhouses, Staffordshire
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Can you not do it with your existing insurer? I'm with Axa and I can add any car for any period of time online instantly-I'm borrowing Dad's car to go snowboarding in next month, £24.00 for 12 days.
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RichR
Premium Member
Registered: 17th Oct 01
Location: Waterhouses, Staffordshire
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Hadn't read your post thoroughly sorry!
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taylorboosh
Member
Registered: 3rd Apr 07
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quote:
Originally posted by pow
I'm thinking I might have to do that anyway you know, just use the cooling off period.
Deffo do that
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Gary
Premium Member
Registered: 22nd Nov 06
Location: West Yorkshire
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Use Cooling off.
If not, get it on a transporter,imo.
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pow
Premium Member
Registered: 11th Sep 06
Location: Hazlemere, Buckinghamshire
User status: Offline
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Think I'll ring the insurance company once I've taken the battery off charge and started it up.
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taylorboosh
Member
Registered: 3rd Apr 07
User status: Offline
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How much is a classic policy anyway? Surely its cheap enough just to have it insured? I mean it must be worth £5-10k?
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Ian
Site Administrator
Registered: 28th Aug 99
Location: Liverpool
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Is this just to sell it?
Depending how well you know your MOT man, it might be worthwhile having them drive it there if you go and collect him.
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Steve
Premium Member
Registered: 30th Mar 02
Location: Worcestershire Drives: Defender
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I'd just drive it and risk it tbh 
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pow
Premium Member
Registered: 11th Sep 06
Location: Hazlemere, Buckinghamshire
User status: Offline
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I was kinda going down Steve's train on thought as it's only 5 mins up the road, perhaps getting my mate or Dad to follow me, but then I thought if it fails and I have to take it elsewhere it would be handy to have it insured.
My problem with it is I don't trust anyone else to drive it 
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Ian W
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Registered: 8th Nov 03
Location: Wirral, Merseyside
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quote:
Originally posted by Steve
I'd just drive it and risk it tbh
Drove my Corsa 1.5 miles down the road from my sisters to mine when I bought my house, no MOT or tax so thought i'd do the full set and not bother with insurance either tbh
[Edited on 13-01-2015 by Ian W]
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IvIarkgraham
Premium Member
Registered: 27th Mar 04
Location: Ellesmere Port, Cheshire
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will the mot station not pick it up?
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pow
Premium Member
Registered: 11th Sep 06
Location: Hazlemere, Buckinghamshire
User status: Offline
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You can drive to and from a prebooked MOT or prebooked repairs for an MOT with no MOT or tax 
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Gary
Premium Member
Registered: 22nd Nov 06
Location: West Yorkshire
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Didn't realise you could do with no tax
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kennySRi
Member
Registered: 12th Nov 10
Location: Lancashire
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quote:
Originally posted by IvIarkgraham
will the mot station not pick it up?
Was going to say the same.
Or just use day insure as a standard car.
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tom130691
Premium Member
Registered: 13th Sep 08
Location: Daventry
User status: Offline
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quote:
Originally posted by Ian W
quote:
Originally posted by Steve
I'd just drive it and risk it tbh
Drove my Corsa 1.5 miles down the road from my sisters to mine when I bought my house, no MOT or tax so thought i'd do the full set and not bother with insurance either tbh
[Edited on 13-01-2015 by Ian W]
had to do something similar recently on both the corsa and mini 
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taylorboosh
Member
Registered: 3rd Apr 07
User status: Offline
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quote:
Originally posted by Gary
Didn't realise you could do with no tax
Yea because you cant tax without mot
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alan-g-w
Member
Registered: 9th Nov 07
Location: Glasgow
User status: Offline
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From octagoninsurance.com, was the first link I could find to confirm what I thought.
quote:
A lack of MOT invalidates your insurance, making you liable for any costs from an accident.
If you're wanting to do it 100% legit you'll need to trailer it onto private land then MOT it and only then can you legally have car insurance. This isn't checked as far as I know so just dayinsure it as a standard van and be done with the brain damage.
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Ian
Site Administrator
Registered: 28th Aug 99
Location: Liverpool
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That's a load of shit for a start, the insurer can't legally withdraw their third party cover.
You'd go to court and fight over whether they have the right to recover costs from you. Which given driving to an MOT station to get a test is fairly standard practice, they'd struggle with.
I do agree with the main gist of it - you can't drive around with no MOT and have a claim in the course of normal driving, but I would severely doubt you'd have cover withdrawn just because you didn't have an MOT in force for the journey there.
Otherwise every single person who let the MOT lapse would need to trailer their car from that day forward. Either there's a lot of people flouting that, or its actually fine.
Quite sure if you called them and gave them that specific scenario - ie. putting a policy in place in order to drive there, they'd be OK with it.
Obviously depends on the individual insurer but I can't see it not being industry practice.
Issue here is that he doesn't want a full policy for this job. I certainly wouldn't drive without cover, be a shame to ruin your licence rather than pay to move it.
Surely you must know someone with a trader policy who can do jobs. Shame its not up here, I have quite a few mates would are completely properly covered for exactly that type of job.
Also one other thing - third party cover on a standard policy - I know you typically can't use that exemption for vehicles registered to yourself but what about your old man etc. Technically there needs to be a policy in force before he could do it third party because if he parked up it wouldn't have RTA 143 because his own cover is only for him driving not parking - but don't park?
Yet to see a test case in which that isn't possible.
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DaveyLC
Member
Registered: 8th Oct 08
Location: Berkshire
User status: Offline
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quote:
Originally posted by Ian
That's a load of shit for a start, the insurer can't legally withdraw their third party cover.
You'd go to court and fight over whether they have the right to recover costs from you. Which given driving to an MOT station to get a test is fairly standard practice, they'd struggle with.
^^^THIS
What ever happens you're covered for 3rd Party..... And most insurers will understand that you need to drive the car to an MOT station and to be fair they can only really void your insurance if the car was blatantly un-road worthy and as Ian says either way you'd fight it in court and more than likely win.
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alan-g-w
Member
Registered: 9th Nov 07
Location: Glasgow
User status: Offline
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'That's a load of shit'
'I do agree with the main gist of it'
Very diplomatic of you. I'm only being so pedantic because he's being so pedantic. The obvious answer is to dayinsure it as a standard van, we're talking 100% legal here I thought.
[Edited on 15-01-2015 by alan-g-w]
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