Insuring an Unregistered Car

mylesw · Post by **mylesw** » Mon Nov 30, 2015 2:21 pm

Hello

My e-type (imported from the US) is now at a stage in the restoration where I have put enough money in the car to want to insure it for fire and theft and for when I am transporting it to and from various restorers. My first call to a broker caused great confusion as they were unable to insure an unregistered car unless it was about to be registered (i.e. in a month or so). My car is still many months from being finished so the call ended with us going our separate ways. Does anyone have experience of this and be able to recommend a broker who would insure an unregistered car?

Thanks

Myles

neil4444 · Post by **neil4444** » Mon Nov 30, 2015 2:31 pm

I use RH who insure mine on a classic car policy, laid up cover, using chassis number instead of reg.

https://www.rhspecialistinsurance.co.uk ... -insurance

rolando38 · Post by **rolando38** » Mon Nov 30, 2015 3:16 pm

Can't you use the previous US registration number ? an insurer should not only insure British cars but also foreign ones ?
otherwise an official expertise should help, as the value (in case of fire or theft) will have to be established anyway

Alty Ian · Post by **Alty Ian** » Mon Nov 30, 2015 3:26 pm

I had exactly the same problem and I found garage only cover hard to find and stupidly expensive.

I was able to insure the car fully comp using its chassis number with Chaucer (via Broker Carole Nash Ins).

However, Chaucer will discontinue the policy unless the car is registered within 3 months. So I waited until the car was close to being roadworthy before insuring it.

I suggest you make the car as secure as possible at home and if the car is being moved make sure whoever moves it is FULLY insured.

Post by **mgcjag** » Mon Nov 30, 2015 3:42 pm

Hi...can it not be covered under your houshold personal insurance....eg your lawn mower,, trailer, golf clubs etc......may be worth exploring after all they say you can insure anything

ALAN COCHRANE · Post by **ALAN COCHRANE** » Mon Nov 30, 2015 4:33 pm

Myles

I've insured my TR250 basket case, sorry restoration project, through Heritage as part of a three car polcy. There's no time limit on this, it's now well into it's second year of cover and it was very reasonable being part of a larger policy.
In addition they also included cover for the large amount of spare parts I've been amassing.
Might be worth giving them a ring.

Cheers

Alan

jellypig · Post by **jellypig** » Mon Nov 30, 2015 4:36 pm

I'm sorry I can't remember the actual insurer mine is covered with (also an Ex-USA model being recommissioned) but its on a "laid up" policy - paperwork is at home, but I'm not.

Most of the insurers I spoke to couldn't get their head round no number plate (and I didn't know the US one at that stage so didn't proffer it) and also that I wouldn't be driving it.

One you could try is Adrian Flux, I got a check price from them and it was very competitive and they could definitely do a policy based on a chassis no.

paulsco · Post by **paulsco** » Mon Nov 30, 2015 6:07 pm

I'm with Footman James.

They have no problem insuring from a chassis number.

The premium can be more expensive than an on road policy, depending on the value, but as already stated you won't be able to get an on-road policy unless the car is due to get an MOT in the next few months.

Paul

ands59 · Post by **ands59** » Mon Nov 30, 2015 9:16 pm

I'm with Peter James for the Sam reason and no issues with just using chassis number

neil4444 · Post by **neil4444** » Fri Mar 18, 2016 12:24 pm

Hi all,

I today asked my insurer (RH) to increase my cover from fire/theft only to comprehensive so I could drive the car to an MOT. They said that as it is currently unregisterd (I can't register it without an MOT) they couldn't offer road cover and I would need to have it transported to the MOT station. They have previously been fine with it being on chassis number only & had just said they can up the cover whenever required - not sure why they've changed their stance ! Has anyone else encountered this issue and can anyone give advice as to who offers this cover ?

Regards,

Post by **mgcjag** » Fri Mar 18, 2016 12:39 pm

Hi Neil....even if you trailer it what cover would you have... Steve

neil4444 · Post by **neil4444** » Fri Mar 18, 2016 12:48 pm

They were inferring I would need to get the MOT station to collect it from me - hence would be covered by them. It's crazy as MOT station only 1 mile away but I daren't risk driving it there.

Alty Ian · Post by **Alty Ian** » Fri Mar 18, 2016 1:06 pm

Neil
I insured our S1 with comprehensive cover with Carole Nash (Chaucer) just on the chassis number and drove it to the MOT without plates, and was fully covered. If its covered TPFT, I would just drive it carefully that mile and dont worry PROVIDING its insured for the road, if PC plod stops you and the car is booked in you will be fine legally I was advised by DVLA and my local copper.

Have you only got garage cover then at present?

Ian

neil4444 · Post by **neil4444** » Fri Mar 18, 2016 1:35 pm

Thanks Ian, I'll give them a try. My lot won't give me ANY road cover !

neil4444 · Post by **neil4444** » Fri Mar 18, 2016 1:48 pm

I just spoke to RH again and they've agreed to do a 1 day covernote to cover an MOT. Thanks Ian for info re Carole Nash - I just used that to make a point & they relented.

Regards,

mystery type · Post by **mystery type** » Sat Mar 19, 2016 8:45 pm

It's crazy as MOT station only 1 mile away but I daren't risk driving it there.

Or you could use the garage`s trade plates?

Lambo911 · Post by **Lambo911** » Mon Mar 21, 2016 9:19 am

Yes you can insure a car on it's chassis number. I had to do it with a Porsche from the states as you need to get an MOT before you get plates assigned and it needs to be insured to take it for an mot.

Try Classic line.

I currently have a S-Type from South Africa, unregistered/unrunning on laid up cover with them, was about ?80

jjorj · Post by **jjorj** » Thu Apr 28, 2016 8:20 pm

I have several cars insured with Hagerty on chassis numbers only with no problem and they even insured a car on French plates for me for a couple of years. Advantage of Hagerty is that if you and your friend both insure with them they will cover you to drive each others cars without any additional paperwork, and fully comp agreed value not just 3rd party.

Cheers, George

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