There is a widespread belief that, if we have the car stored in a garage and without circulating, insurance is a requirement that is not necessary and can be canceled. With this we would save its cost. But there is nothing further from the truth, car insurance is mandatory in the broad sense of the word, Therefore, we cannot cancel it under any circumstances unless the vehicle goes directly to the scrapyard or its definitive cancellation is being processed.
It does not matter the state of the vehicle or that some type of breakdown prevents it from circulating. In fact, he was well known a case that occurred in Poland, in which a car was in a private enclosure without circulating, and as soon as it was picked up by the crane to go to the scrapyard it was sanctioned. The appeals presented were unsuccessful in any way, and the owner of the vehicle had to bear the cost of the fine.
For that reason, that tendency to have a car without circulating within a plot and which is discharged from insurance, it can cause us a lot of problems and that can end up in court. In these cases, it is always taken into account that, even when the vehicle is stationary, it may cause some type of damage to a third party for which the presence of an insurance that responds would be necessary.
What to do in these cases?
Since the presence of insurance is something totally non-negotiable, the most convenient thing is to use the website of tracker to find the cheapest insurance for that car that is uncirculated. The penalties for not having the mandatory insurance, even if the car is damaged and does not circulate, They can reach an amount of up to € 3,000. Therefore, if we do numbers we see that we can find third party insurance for a fairly cheap annual amount. Obviously we are not interested in an insurance that covers many benefits that we are not going to use, such as a very complete roadside assistance, but that takes care of civil liability.
By using a comparator, you have a totally clear view and at a glance of what the offers of all the companies are. In this way, it is not necessary to consult the web pages of the different insurers to find out which option is most interesting to us. The saving of time and the effort that must be put in, which is minimal, is already worth it. This web manages to unify more than 30 insurance companies, so if we think about the time we would have to spend visiting one by one, it already makes us give up first.
If for any reason we have a vehicle that it is no longer suitable for circulation, but we want to continue keeping it with us, yes or yes you have to look for adequate insurance. With the options offered by the comparator you can find the one you need by paying much less than you think.
We have to bear in mind that some coverages that are usually used when the car is circulating do not have to be applied. In any case, it is always advisable to take a detailed look at the policy. Perhaps the difference in price between one insurance and another is not very noticeable, but one of the offers may be able to offer something that another insurance has left behind.
It is not only necessary to avoid a fine or sanction, we do not know if our vehicle, even being in a private and closed area, can generate some kind of problem or inconvenience to another person or facility. For example, we can put the case of a car that is in a properly parked community garage and that does not move. For any reason, there may be a liquid leak that damages the pavement, or worse, go to the lower floor. Obviously, the community of garage owners will have to see the damages corrected, and that is where our insurance comes in. Otherwise, we will have to pay it out of our pocket, and if we refuse, we can exercise a civil claim that will force us to do so.
Currently, and given the enormous competition between insurance companies, there are really good offers in basic insurance. What’s more, there are even insurance companies that offer the possibility of splitting the payment so that it is not so burdensome. But a basic third party insurance can be found for just over € 200. Therefore, if you have a disabled vehicle in your possession or one that will not circulate for a long time and does not have mandatory insurance, check which ones are the most suitable for your vehicle and automatically processes the discharge. It is no longer just about avoiding a sanction, but about seeing ourselves involved in a problem that can seriously damage our pocketbook.
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