Laid up / Off Road Insurance

[TREVCOS]

Hi folks, I've got my Cossie insured as a laid up policy with Need To Insure. When I go on the Ask Mid site its showing as not insured. Is this normal for laid up/off road policies?

Probably ought to ask Paul this I guess, but I wondered if anyone knew off hand?

[stu]

Just tried mine and its also showing no insurance but I'm not on a laid up policy

[L8 ECU]

Hi folks, I've got my Cossie insured as a laid up policy with Need To Insure. When I go on the Ask Mid site its showing as not insured. Is this normal for laid up/off road policies?

Read below.........................to me it looks like a car that is on a laid-up policy is NOT insured for the road. So your ASK MID data showing "not insured" is correct.

Google search:
Most insurers who provide laid up insurance will also state clearly in the policy that in order for the cover to be valid, the car must remain in a locked garage at all times. So if you take it out and leave it on a driveway or a public road and something was to happen, the insurance may not cover this and you would be held liable for everything.

[Cochyn]

The above info is correct, Paul confirmed this with me when I took the car to Santa Pod for FordFest on a flatbed.

[TREVCOS]

Cool. Thanks guys.

[stu]

Think I better phone on Monday to see why mines showing as not insured.

[BUSYBOY]

Hi folks, I've got my Cossie insured as a laid up policy with Need To Insure. When I go on the Ask Mid site its showing as not insured. Is this normal for laid up/off road policies?

Probably ought to ask Paul this I guess, but I wondered if anyone knew off hand?

whats the mid site trev

[Davecos 4x4]

whats the mid site trev

http://ownvehicle.askmid.com/

[BUSYBOY]

http://ownvehicle.askmid.com/

cheeRS Dave

[simbo]

Is having it on a laid up policy that much cheaper than just having it on a limited miles policy?

[Dan Le Moignan]

Think it's about half

[Barney Gumble]

I think if it is a true laid up policy because its in bits and you aren't going to use it then it is cheaper but I found flipping between the 2 can be more expense and hassle.

Rough numbers with Boncaster were :

Laid up policy was £100 a year
Normal policy was £500 a year

So switching 6 months at a time averaged out at £300

I now have a normal limited mileage policy with Need2Insure.

Cheers