How to insure a car that does not drive?
Do you own a vehicle that does not drive and want to keep the cost of your auto insurance as low as possible? The legal obligation to take out insurance prevents you from considering terminating your contract. However, alternatives such as third party insurance are possible to adjust your plan's guarantees to your use of the vehicle. Why is insurance necessary for a non-driving vehicle? What about a vehicle parked in a private garage? Which insurance policies are suitable for your use? We can provide you with answers.
Auto insurance: should you take out if your vehicle is out of circulation?
Other possible solutions
insure a car that does not run out of traffic
Auto insurance: should you take out if your vehicle is out of circulation?
Taking out car insurance is a legal obligation
The Insurance Code does not distinguish between rolling and non-rolling vehicles when it is on public roads (the liability insurance obligation is linked to traffic or parking on public roads L211 1 Insurance code because it can be involved in an accident with a third party - if it is parked in a private garage there is no obligation). In the event of a breach of this legal obligation, the owner is liable to a fixed fine of € 500, which can go up to € 3,750 before the criminal court in the event of prosecution.
Do we have to insure a car parked in a private place?
Even not compulsory, the insurance of the vehicle parked in a private place is strongly recommended. Why ? Because even at a standstill, a vehicle can cause a disaster. There are many risks:
the risk of fire or explosion from the battery or fuel;
the risk of collision in a parking space;
the risk of accident in the event of theft or in the event of the brakes failing for a vehicle parked on a hill, for example;
Namely: in case of theft of the vehicle, the damage caused by the wrongdoer could be charged to you. It is therefore strongly recommended to take out insurance to cover the risks associated with the conservation of your vehicle.
Other possible solutions
Third party insurance
Do not uninsure your car but opt for minimum guarantees. To reduce the cost of insuring a car that is not running, it is possible to opt for minimum guarantees by choosing third-party insurance. It covers the Civil Liability of the vehicle owner, a legal and mandatory minimum in terms of auto insurance. This guarantee covers the costs related to material damage and bodily injury inflicted on a third party in the event of a responsible accident. The third-party plan is the cheapest auto insurance.
The pay as you drive
Pay as you drive, or kilometer insurance, is an insurance contract that takes into account the number of kilometers traveled by the vehicle and has an appropriate insurance premium. There are 2 formulas:
- The package kilometer offer
You are going to define the number of kilometers that you estimate to complete at the most in one year. The contribution will be calculated with predefined scales of 6,000 km, 7,000 km, 8,000 km up to 15,000 or 20,000 km.
- The pay as you drive
The other form of auto insurance per km offered by insurers is "pay as you drive" or pay what you drive. You pay your auto insurance premium monthly based on the number of kilometers you have actually driven.
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