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Hi, my wife's Evoque finally arrives soon and so my little Mini Cooper S (BMW sorry) will be retired from its main duties, ie. commuting and morning school run (I will be driving her Audi A3 which was originally mine). The Mini was the 1st car I bought new, and even though I had to sell it due to my first mortgage and use of a company car, I managed to buy it back a few years ago and so it means something to me and during its life with me and with the Mini now 9 1/2 years old traveling only 56K miles, it has always made me smile. It will be stored in the garage (once I've given it a tidy) and only be used occasionally and possibly only when it's sunny.

I have a few questions:-
Do I need insurance to keep the car in the garage?
If so, can you recommend any insurance companies who specialize in low mileage/occasional usage?
Do i need to start a new 'no claims discount'?

Please feel free point out anything else I need to know, maybe like how to store and care for the car whilst it's garaged.

Thanks for your help
 

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Cooper S - great car (I have a 56 plate with 30K miles on that makes me smile everytime I drive it). You didnt use to have to insure cars that were off the road but now even when SORN but I recall something that says you have to now - something along the lines of us Law abisding citizens get penalised for those who choose not to abide with MOT / TAX / insurance and this is relatively new.

If you're talking about summer use and SORN'ing during the winter then you can flex your insurance to be 3rd party Fire & Theft over the winter and fully comp in the summer with a single insurer (think about what would happen if you didnt have any cover and it when walkabout) its a risk for little money in those winter months.

If you have in effect bought a 3rd car (which I think is what you are saying then by the sounds of it you have 2 x no claims bonus' and therefore yes you have to start a new no claims discount - bummer I know. Hope this has helped.
 

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Evening

Not an expert but, the insurance is up to you when stored in the garage, as previous poster said; you can usually arrange specialist cover that will limit the miles travelled in a year and/or the relevant months when on road. Cover will also be in place when in the garage covering fire and theft. Your no-claims bonus applies to you and not the car so one car or a hundred, makes no difference. Remember you can only drive one at a time!!

Taxing; you can SORN the vehicle but for all the cost and hassle saved you would be as well taxing it constantly. There are inflatable storage bubbles that you drive the car into and a low powered fan inflates the bubble and slowly allows it to vent, great for circulating the air, keeping vehicle dry and condensation free. Also remember to turn the engine occasionally!!!! Enjoy
 

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All insurance companies I have ever had insurance with have told me your no claims bonus against you and the vehicle, as an example I have x 3 cars, two have the max number of no claims (10 + years) on but they got their at different times and a third has x 5 years on it as I took ownership of that car x 5 years ago.

Your insurer may / will ask for proof of no claims and if this needs to be against a policy you have closed / car you no longer have. If you get caught moonlighting no claims you can end up in trouble - have insurance invalidated.

be really careful on this and definately worth asking as a specific question when you call up insurers.
 

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Hi, Hopefully can help with your post. The government have recently intoduced new legislation which requires every vehicle to have continuous insurance. Simply put, even if your car is garaged and not in use it needs to be insured. The only way round it is to SORN it with DVLA the same way as if your tax had ran out and you werent going to use the car. Failure to comply will result in fines and your car could be towed and crushed. Full details can be found at - http://www.direct.gov.uk/en/Motoring/OwningAVehicle/Motorinsurance/DG_067639
In response to your second point, there are plenty of specialist companies offering what you need but price will solely depend on where you stay etc. Might be worth considering fire and theft only insurance if you are not going to be using it.
Your third point - if this is an aditional car and you take out new insurance then theoretically you will start with zero no claims (or likely and introductory bonus). I do know of one case though where a workmate argued with his current insurer that if there were two people named on the policies and three cars then how could they drive all three at the same time. The insurers couldnt really argue and 'gifted' him his full no claims onto his third car - worth a try.
 

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Did enquire about getting one fitted but discount offered by insurance company was negligible. Also would you want your car back after some undesirable has been in it???
 

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True I had a merc ML some years ago and they would not isure me for theft unless I had one. Not that they are really that much use if the crim is any good at there criming
 
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