Can you understand this

  • Thread starter Deleted member 9237
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That would be expensive for collectors if all vehicles have to be insured, I have 8 bikes most are classic which are tax and mot exempt I don't insure them all for road use.
 
Yes, I call those living/running expenses!
All in about £1000 a month
£450 all food inc alcohol
£250 diesel gas
£150 Camping
£150 other inc ferry
We travel about 300 miles a week in the summer !
 
in h said:
Insurance is there to compensate you if you have losses. It is optional, except for some third party cover for motor vehicles. And in this case, the third party risk is the unknown quantity.

If a storage company insists on it being insured (in case your van sets fire and burns its neighbours) that's a commercial decision. You could maybe choose to have it insured by your pet hamster (you'd need to write the policy document for her: they're not normally literate). Fine until you need to make a claim - which could be far more than the value of your van.

The problem is that storage is a far higher risk than parking in your driveway: more likely to be a target for thieves, more likely for a fire to spread.

That's the point of insurance: insure for all losses you could afford to cover yourself, don't insure for losses you could afford.

If your motorhome is worth more than your savings, insurance means that if the worst happened, you'd not be without a replacement.

My motorhome is worth quite a bit less than my savings. If I wasn't keeping it driveable, I'd probably not insure it. But I'd not use a storage facility if I could avoid it.

We have three e-bikes, each costing serious money: most years they're not insured. It depends how much it adds to the house insurance premium. Yes, there's a risk of theft or damage, but I could replace them, so why pay a lot of money in premium?
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Thats great for the UK but I think its different in Spain ?
 
I pretty sure the principle of vehicle insurance in Spain is similar to that of France. In France, vehicle insurance is compulsory. As we don’t pay road tax, we cannot sorn a vehicle so it has to be continuously insured. If you buy a vehicle from a dealer in France, insurance must be in place before you collect. it. The seller is legally unable to release the vehicle until he has seen the new owners insurance
 
kenspain said:
Its the time of year to insure my van because we cant get away this year because my son is stuck in Inda I phone the Insures company to not insure it I will not be using the van this year it will be left in our warehouse witch is alarmed for the next year they have told me the van must be insured even if not used . even if you don't use it
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Is Inda his girlfriend?
 
Snapster said:
I think we all know it’s a motor vehicle....
Motor insurance in the U.K. isn’t compulsory if the motor is sorned.
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OK, I'll try once more.
Clearly, a pile of bits of metal is not a motor vehicle.
If you take out the engine, it is perhaps a vehicle, but not a motor vehicle.
If you take off the wheels, it is a motor, but not a vehicle.
I do not know what is necessary to make a vehicle cease to be a vehicle in the eyes of your local law, but there must be something, otherwise every vehicle ever built would have to be insured, even though it was scrapped in 1921
 
in h said:
OK, I'll try once more.
Clearly, a pile of bits of metal is not a motor vehicle.
If you take out the engine, it is perhaps a vehicle, but not a motor vehicle.
If you take off the wheels, it is a motor, but not a vehicle.
I do not know what is necessary to make a vehicle cease to be a vehicle in the eyes of your local law, but there must be something, otherwise every vehicle ever built would have to be insured, even though it was scrapped in 1921
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Ok , I think I understand your point but for us renewing our insurance is a lot simpler . Oh but I forgot as we now have Spanish residancy I am told they cant insure a motorhome on Spanish plates if it is over 3500kg . Have a quote for a lorry but it is double what I paid in the UK . Hope someone can help .
 
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Hmmm. It is easier to renew the insurance, you say.
Then you say you can't renew the insurance unless you insure it as a lorry.
A UK insurer would invalidate your insurance if you lied about the type of vehicle. I hope yours are more easy-going.
It might be easier to take one or all of the wheels off, if that's what it would take.
 
in h said:
OK, I'll try once more.
Clearly, a pile of bits of metal is not a motor vehicle.
If you take out the engine, it is perhaps a vehicle, but not a motor vehicle.
If you take off the wheels, it is a motor, but not a vehicle.
I do not know what is necessary to make a vehicle cease to be a vehicle in the eyes of your local law, but there must be something, otherwise every vehicle ever built would have to be insured, even though it was scrapped in 1921
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Looks like you’ve got yourself a project here. Be sure to let us know the answer.
 
in h said:
Hmmm. It is easier to renew the insurance, you say.
Then you say you can't renew the insurance unless you insure it as a lorry.
A UK insurer would invalidate your insurance if you lied about the type of vehicle. I hope yours are more easy-going.
It might be easier to take one or al of the wheels off, if that's what it would take.
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Well thats the way it is . I have never lied about the type of vehicle . My point is that the the vehicle and the risk is exactly the same just a change of the number plate. If I have to insure it in Spain , I am told it must be as a lorry . Still looking into this . I think taking a wheel off would be more of a cheat and I am not prepared to do this .
 
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I had Porche 944 off the road for over 12 months on sorn in my garage at home insured it fire & theft no problem getting insured
 
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