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#1 ianrussellthomas

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Posted 25 January 2016 - 04:08 PM

Hi all,

 

I'm in the process of doing some work on my Mini 25 so car is currently SORN and does not have a valid MOT.

 

My insurance company have told me that I have to get it MOT'd by 17th February or they will take it off my insurance and it will no longer be insured.  Furthermore, they have also cancelled my application for a guaranteed valuation and said if I want one after the 17th Feb I will have to pay again!!

 

Anybody else had similar problems and is there a way around it, or an insurance company that will insure a car that is currently off the road?

 

Thanks



#2 the.stroker

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Posted 25 January 2016 - 04:09 PM

Moved to insurance sub forum.



#3 Tamworthbay

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Posted 25 January 2016 - 04:32 PM

That is weird, my Capri project has been without mot for 18momths and has been insured twice with no problems. Who are you with?

#4 ianrussellthomas

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Posted 25 January 2016 - 04:45 PM

That is weird, my Capri project has been without mot for 18momths and has been insured twice with no problems. Who are you with?

 

I'm with Admiral. It's on a multi car policy along with the other cars in the household (but is classed as classic car insurance etc) but for some reason this is an issue?!



#5 Tamworthbay

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Posted 25 January 2016 - 04:46 PM

I would ring them and explain. If it's a classic policy then I can't see there being any issues unless they some clause that all cars must be roadworthy.

#6 1968cooper

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Posted 25 January 2016 - 06:07 PM

I'm with Admiral on a classic vehicle policy for my series 2 LR, I asked them if they would insure a vintage MG awaiting restoration, the answer was no as they require the vehicle to have a current MOT which is daft because a pre 1960 vehicle does not legally need one.  



#7 robminibcy

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Posted 25 January 2016 - 06:28 PM

did you contact them regarding the mot or did they contact you? My car is also insured at the moment but also sorned and has no mot.



#8 minidaves

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Posted 25 January 2016 - 08:50 PM

well that does cause some issues you might be able to get layup insurance, but 1 thing don't leave a vehicle off the road in a garage with no insurance i know someone who had 2 cooper 's' and a 64 alfa in a garage vehicles weren't insured and garage burned down, lost the lot as the insurance said vehicles should have been insured as vehicles. 



#9 sonikk4

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Posted 25 January 2016 - 09:00 PM

Peter James does layup insurance, i have got that on my clubby while its being restored.



#10 Carlos W

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Posted 25 January 2016 - 09:01 PM

Peter James does layup insurance, i have got that on my clubby while its being restored.

How much is it roughly?



#11 sonikk4

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Posted 25 January 2016 - 09:22 PM

I think it £40 or thereabouts. I just rang them and that was it.



#12 ianrussellthomas

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Posted 26 January 2016 - 01:21 PM

did you contact them regarding the mot or did they contact you? My car is also insured at the moment but also sorned and has no mot.

 

They contacted me when I put on the guaranteed valuation form that it did not have an MOT and was SORN.



#13 ianrussellthomas

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Posted 10 February 2016 - 04:04 PM

I have managed to get the car put back together and running, so it's going for an MOT on Friday.

 

I will get it through this MOT and keep it insured with Admiral for the year to avoid having the policy cancelled on me, but there's no way I Iwill renew it with them. They have told me now that the car must be kept MOT'd for as long as they insure it.






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