{"id":127746,"date":"2018-02-09T11:45:54","date_gmt":"2018-02-09T19:45:54","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=127746"},"modified":"2026-04-02T13:27:45","modified_gmt":"2026-04-02T12:27:45","slug":"car-insurance-unused-vehicle","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/car-insurance\/car-insurance-unused-vehicle","title":{"rendered":"Car insurance for a vehicle you don\u2019t drive"},"content":{"rendered":"<p>Car insurance is an essential expense when your vehicle is on the road, but what about when your vehicle is temporarily out of action? Maybe you have a sporty convertible you only take out in summer, or maybe your pride and joy is gathering mothballs while you&#8217;re posted overseas for work.<\/p><p>If you own a car you don&#8217;t drive very often, putting your <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\">car insurance<\/a> on hold might be an easy way to save money. But do you still need some type of cover?<\/p><h3>Why you might want to put your car insurance on hold<\/h3><p>There are several reasons why you might want to temporarily suspend car insurance for a vehicle you\u2019re not currently driving, including:<\/p><ul><li>Your vehicle is kept in storage for much of the year<\/li><li>Your car is broken down and in need of repair<\/li><li>You\u2019ve been temporarily posted overseas for work<\/li><li>You\u2019re travelling overseas for an extended period, for example on a backpacking holiday<\/li><li>You\u2019re seriously ill or injured and unable to drive<\/li><\/ul><h3 id=\"temporary\">Which temporary car insurance options are available?<\/h3><p>Unsure what to do with your car insurance while your vehicle is out of action? Well, there are a few options to choose from.<\/p><ul><li><strong>Cancel your policy.<\/strong> The simplest option is to <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/cancelling-car-insurance-guide\">cancel your policy<\/a> completely and then purchase new coverage when your car is back on the road again. This means you won\u2019t have to pay anything for insurance while your car is out of use, but remember that you also won\u2019t have any cover in place against off-road risks like fire, theft and vandalism. Another important note is that, if you choose to cancel your car insurance policy completely, you must declare your vehicle as SORN (see below for more detail).<\/li><li><strong>Reduce your level of coverage.<\/strong> If you don\u2019t want to cancel your policy, you may want to reduce your level of coverage \u2013 for example, switching from <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/comprehensive-car-insurance\">comprehensive car insurance<\/a> to <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/third-party-fire-theft\">third party fire and theft cover<\/a>. This may allow you to save money on your premiums while still maintaining a certain level of coverage for your vehicle. That said, comprehensive cover can sometimes work out cheaper, so make sure you check all cover options.<\/li><li><strong>Choose laid-up coverage.<\/strong> Some insurers offer the option of lay-up coverage, which is designed for vehicles that are off the road while they undergo repair or restoration. This allows you to insure your vehicle against a wide range of risks, but at the same time reduce your premium.<\/li><li><strong>Pay as you go or short-term cover.<\/strong> <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/pay-as-you-go-car-insurance\">Pay as you drive policies<\/a> allow you to save money by only insuring your car for a limited number of miles each year. The less you drive your car, the less you pay for insurance. A <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/temporary-car-insurance\">short term policy<\/a> provides cover for a limited amount of time, but is only valid as an add-on to an existing annual policy, so only suitable for covering a vehicle you might borrow or only own for the length of the cover.<\/li><li><strong>Suspend coverage.<\/strong> In some cases, the insurer may be willing to let you suspend coverage for a temporary period. However, this option is not commonly offered.<\/li><li><strong>Remove yourself from cover.<\/strong> Consider removing yourself from your car insurance policy for a temporary period. If you\u2019re no longer a listed driver, you can lower your premiums but still retain coverage for other drivers. Note the policy must have at least one registered driver on it at all times.<\/li><\/ul><p>Let\u2019s break down the pros and cons of each of these options to see which one is right for you.<\/p><h3 id=\"cancel\">Cancelling your car insurance policy<\/h3><p>The first option is to cancel your car insurance coverage altogether and then, when you\u2019re ready to hit the road again, take out a new policy. This is the simplest way to save money on your premiums, as you won\u2019t have to worry about paying for insurance the entire time your car is off the road. To do this, you&#8217;ll have to declare to the Driver and Vehicle Licensing Agency (DVLA) that the car is off the road and obtain a Statutory Off Road Notification (SORN).<\/p><h4>Statutory Off Road Notification (SORN) for your car<\/h4><p>Obtaining a SORN for your car tells the DVLA that the vehicle won&#8217;t be on the road and therefore you shouldn&#8217;t have to pay car tax or car insurance. When you have the SORN for your car, any months of unused road tax should be refunded in the post within six weeks.<\/p><p>As long as you are the registered owner of the car, you&#8217;ll be able to request a SORN from the DVLA for your car online, by phone or by post. Once the DVLA receives your request, your SORN should be processed within four weeks. Check out <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/how-to-sorn-a-car\">how to obtain a SORN for your car<\/a> in our helpful guide.<\/p><h4 id=\"cancel\">Can you cancel car insurance at any time?<\/h4><p>You\u2019re free to cancel your car insurance with any insurer at any time. But you may be charged a cancellation fee. Many insurers will also refund the unused portion of your premium, but it\u2019s worth checking the fine print to make sure of this before you cancel. If you\u2019re paying your premiums by the month, there will be no need for a refund.<\/p><p>The biggest drawback to cancelling car insurance is that you won\u2019t have any coverage in place for your car. While you might think this isn\u2019t a big deal \u2013 after all, your car is not being driven, so it\u2019s hardly going to be involved in an accident \u2013 it means you won\u2019t be covered against a range of non-driving risks. Fire, storm, hail, falling trees, theft, vandalism and flood can all cause costly damage to your vehicle while it\u2019s off the road. Without car insurance in place, you\u2019ll have to pay to repair the damage out of your own pocket.<\/p><p>There\u2019s also the fact that if there\u2019s finance owing on your vehicle, most car loan lenders require you to maintain comprehensive car insurance for the life of the loan. So if you haven\u2019t paid out a loan secured by your vehicle, this option won\u2019t be a viable choice.<\/p><div class=\"fin-pros-cons\">\n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Pros<\/h4>\n            <ul class=\"icon-list icon-list--check-circle\">\n                                    <li>You can cancel at any time<\/li>\n                                    <li>Option offered by all insurers<\/li>\n                                    <li>The unused portion of your premium will usually be refunded<\/li>\n                                    <li>You won\u2019t have to pay anything for car insurance while your vehicle is out of action<\/li>\n                            <\/ul>\n        <\/div>\n    \n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Cons<\/h4>\n            <ul class=\"icon-list icon-list--x-circle\">\n                                    <li>Cancellation fee may apply<\/li>\n                                    <li>Most car loan lenders require you to maintain insurance for the life of the loan<\/li>\n                                    <li>Your car won\u2019t be covered for non-driving risks, for example, storm damage, theft and vandalism<\/li>\n                                    <li>You\u2019ll need to go through the hassle of cancelling, and then comparing policies and buying a new one at a later date<\/li>\n                                    <li>You'll have to declare your car is off the road to the DVLA<\/li>\n                            <\/ul>\n        <\/div>\n    <\/div>\n<h3 id=\"cover\">Reducing your level of car insurance cover<\/h3><p>If you\u2019re not comfortable cancelling your policy and you want to maintain a certain amount of protection, you may want to consider switching to a lower level of coverage. So if you currently hold comprehensive car insurance, you could significantly reduce your premium by scaling back your policy to third party fire and theft cover. While the liability section of the policy wouldn\u2019t be used because your car is off the road, you\u2019d still be covered for loss or damage due to fire and theft.<\/p><p>However, there are downsides to this approach. First, the reduced level of coverage may not be sufficient for your needs, as there are still non-driving risks, such as <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/car-insurance-storm-damage\">storm and flood<\/a>, that could cause costly damage to your vehicle. Second, if you\u2019re still paying off a car loan, you\u2019ll typically need to have comprehensive car insurance in place.<\/p><div class=\"fin-pros-cons\">\n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Pros<\/h4>\n            <ul class=\"icon-list icon-list--check-circle\">\n                                    <li>An easy way to save on car insurance premiums<\/li>\n                                    <li>Still covers your car against fire and theft<\/li>\n                            <\/ul>\n        <\/div>\n    \n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Cons<\/h4>\n            <ul class=\"icon-list icon-list--x-circle\">\n                                    <li>You\u2019re still paying for liability coverage which you won\u2019t be using while your car is off the road<\/li>\n                                    <li>If you have finance owing, the lender will usually require you to maintain comprehensive coverage<\/li>\n                            <\/ul>\n        <\/div>\n    <\/div>\n<h3 id=\"layup\">Choosing laid-up car insurance<\/h3><p>Is your car off the road and not being driven while it\u2019s being repaired or restored? If so, you may want to search for an insurer that offers laid-up car insurance. Designed for car enthusiasts, these policies provide protection against a range of risks while your vehicle is off the road, including:<\/p><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><ul class=\"list-1\"><li>Fire, storm and flood damage<\/li><li>Damage from falling trees<\/li><li>Theft and vandalism<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><ul class=\"list-1\"><li>Theft of parts<\/li><li>Damage in transit<\/li><li>Damage at a repairer\u2019s or restoration shop<\/li><\/ul><\/div><\/div><p>However, while this solution is definitely worth considering for anyone restoring a car, it\u2019s not suitable in all circumstances. If you\u2019re going overseas for an extended period, for instance, then you\u2019ll need to look at other options.<\/p><div class=\"fin-pros-cons\">\n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Pros<\/h4>\n            <ul class=\"icon-list icon-list--check-circle\">\n                                    <li>Perfect if you\u2019re restoring a vehicle<\/li>\n                                    <li>Covers a wide range of non-driving risks<\/li>\n                                    <li>Cheaper than buying comprehensive insurance for the same vehicle<\/li>\n                            <\/ul>\n        <\/div>\n    \n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Cons<\/h4>\n            <ul class=\"icon-list icon-list--x-circle\">\n                                    <li>Designed for car enthusiasts restoring unique or classic vehicles so is not suitable for everyone<\/li>\n                                    <li>More expensive than other options<\/li>\n                            <\/ul>\n        <\/div>\n    <\/div>\n<h3 id=\"temporary\">Choosing short-term or pay as you drive car insurance coverage<\/h3><p>Temporary or pay as you drive policies are designed to help people who don\u2019t drive their vehicle all that often save on the cost of car insurance. The premise behind these policies is simple: it doesn\u2019t make sense that someone who drives 2,000 miles a year should pay the same for car insurance as someone who drives 20,000 miles a year, so they offer a way for you to only pay to cover the miles you actually drive.<\/p><p>If you know you won\u2019t be driving your car for an extended period, such as three months out of the next 12, you can choose to insure it for a reduced number of miles. This can lead to a significantly reduced premium but still lets you enjoy the peace of mind of comprehensive insurance coverage.<\/p><p>Short-term car insurance covers you for a period of time from 1 hour to 30 days (some providers might allow for longer periods). However, as it is illegal to own an uninsured vehicle without declaring it as off the road, you won&#8217;t be able to use this as a replacement to getting an annual policy for your car.<\/p><p>If you only need a car for parts of the year, you might consider borrowing one from a friend or relative if possible. You will then be able to take out a comprehensive short-term policy to cover yourself while driving the borrowed car. This policy sits alongside the owner&#8217;s annual cover, but won&#8217;t affect their no-claims discount should you have to claim.<\/p><p>Another option to consider is renting a car for the limited time you require one. Companies such as Zipcar and car2go have vehicles parked in streets around the UK that can be easily rented for minutes to weeks. Some of these come with their own insurance already provided, but you might want to add extra cover to it if it doesn&#8217;t answer your needs.<\/p><div class=\"fin-pros-cons\">\n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Pros<\/h4>\n            <ul class=\"icon-list icon-list--check-circle\">\n                                    <li>Simple way to save on coverage<\/li>\n                                    <li>Drive less, pay less<\/li>\n                                    <li>Still provides all the usual benefits of a comprehensive car insurance policy<\/li>\n                                    <li>You can top up your mileage limit (for a cost) if you might exceed it<\/li>\n                                    <li>You can purchase temporary car insurance for as little as one hour, up to three months or more<\/li>\n                            <\/ul>\n        <\/div>\n    \n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Cons<\/h4>\n            <ul class=\"icon-list icon-list--x-circle\">\n                                    <li>If you make a claim and you have exceeded the mileage limit specified in your policy, an additional excess may apply<\/li>\n                                    <li>Temporary car insurance cannot be used to replace an annual policy<\/li>\n                            <\/ul>\n        <\/div>\n    <\/div>\n<h3 id=\"suspending\">Suspending car insurance coverage<\/h3><p>Going overseas? You may want to check with your insurer to find out whether it\u2019s possible to temporarily suspend your car insurance coverage. This would allow you to avoid the ongoing cost of premiums and to simply resume the same level of coverage when you are ready, but this also means your vehicle won\u2019t be covered at all during this period.<\/p><p>However, most insurers don\u2019t allow you to suspend car insurance coverage. Some may be willing to help you out in extreme circumstances, such as serious illness or injury, and it can\u2019t hurt to give your insurer a call and ask whether this is possible. You\u2019ll usually be required to just cancel your coverage or consider other options.<\/p><div class=\"fin-pros-cons\">\n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Pros<\/h4>\n            <ul class=\"icon-list icon-list--check-circle\">\n                                    <li>You won\u2019t have to pay for coverage while you\u2019re not using your car<\/li>\n                                    <li>Keep the policy and level of coverage you want<\/li>\n                                    <li>No need to compare and choose a new policy at a later date<\/li>\n                            <\/ul>\n        <\/div>\n    \n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Cons<\/h4>\n            <ul class=\"icon-list icon-list--x-circle\">\n                                    <li>Option not offered by most insurers<\/li>\n                                    <li>Your car isn\u2019t covered for non-driving risks such as fire, theft, vandalism and storm damage<\/li>\n                                    <li>If there is outstanding finance on your car, you\u2019ll probably need to maintain car insurance coverage at all times<\/li>\n                            <\/ul>\n        <\/div>\n    <\/div>\n<h3 id=\"removing\">Removing yourself from the policy<\/h3><p>The final option is to consider temporarily removing yourself as a listed driver from your policy. If you know that you won\u2019t be driving the vehicle for an extended period but other people will, this allows you to reduce the cost of insurance but still maintain the same level of coverage.<\/p><p>Many insurers allow you to add or remove drivers from your policy online, but in some cases you might need to call your provider.<\/p><p>Of course, you\u2019ll need to be sure you won\u2019t need to drive the car when you\u2019re not listed on this policy, as any incidents that occur with you behind the wheel could be very costly.<\/p><div class=\"fin-pros-cons\">\n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Pros<\/h4>\n            <ul class=\"icon-list icon-list--check-circle\">\n                                    <li>Save money on premiums<\/li>\n                                    <li>Maintain the same level of coverage for your car and the other named drivers<\/li>\n                                    <li>It\u2019s usually easy to remove a driver from your policy<\/li>\n                            <\/ul>\n        <\/div>\n    \n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Cons<\/h4>\n            <ul class=\"icon-list icon-list--x-circle\">\n                                    <li>If you\u2019re not listed as a driver, either the policy won\u2019t cover you when you get behind the wheel or you\u2019ll be required to pay an unlisted driver excess should you need to claim<\/li>\n                            <\/ul>\n        <\/div>\n    <\/div>\n<h3 id=\"transferred\">Can car insurance be transferred to another person?<\/h3><p>No. Insurers consider a wide range of factors before deciding whether to insure you, including:<\/p><ul class=\"list-7\"><li>Your age<\/li><li>Your driving experience<\/li><li>Your history of traffic offences and points on your driver&#8217;s licence<\/li><li>Your claims history<\/li><\/ul><p>Not only do these factors determine whether or not you will be covered, but they also affect your premium amount. As a result, you can\u2019t transfer your car insurance to another person &#8211; they will have to apply for their own cover.<\/p><h3 id=\"bottomline\">Bottom line<\/h3><p>If you need to pause or suspend your car insurance without cancelling outright, you do have some options. Talk to your insurance provider to find out the best option for the level of coverage and period of suspension you need. If your current provider won&#8217;t help you out, compare other car insurance providers to find the right option for you.<\/p><p>Cancelling your car insurance altogether might also be an option, but you might have to pay a cancellation fee and you will need to declare your car as off the road with the DVLA while it isn&#8217;t covered.<\/p><p>If you only need a car for part of the year, you might consider borrowing or renting one and taking out temporary cover for you to drive it. Coverage by miles is also available for those who don&#8217;t drive their car often.<\/p><p>All in all, owning a car is an expensive business, but some options are available to make things a little easier when needed.<\/p><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block\"><strong>*51% of consumers could save \u00a3200<\/strong>. Seopa split the providers on their comparison systems into different categories. They then selected quotes from the high volume sales providers as well as quotes from other providers which returned a price. Based on UK insurance market share data made available by the ABI, by way of a weighted selection process, they selected the cheapest of either the high volume sales providers or other providers (&#8220;the cheapest selected quote&#8221;). They then compared the cheapest quote on their system against the cheapest selected quote. They then took the savings figure which 51% or over could have saved using that formula. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.<\/div><\/article><h3>Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">Is it ever legal for my vehicle to be uninsured?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Yes. Although the law states that you must have at least third party motor insurance if you own a vehicle, there are exceptions. If you have a valid statutory off road notification, or a SORN, for example, then you don&#8217;t have to insure your vehicle. You also don&#8217;t have to if your car has been kept off a public road since before 1 February 1998, if its been scrapped, stolen or exported and you&#8217;ve given notice of this, or if your vehicle is between dealers or is being held in stock by an authorised dealer. If you don&#8217;t insure your vehicle in normal circumstances though, you&#8217;ll receive a fixed penalty notice. If you fail to insure it at this point, it may be seized, clamped or destroyed, and you could end up in court.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">What is a SORN?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>A SORN is a statutory off road notification, and is used to declare vehicles as off road. If your car has a SORN, you won&#8217;t be able to drive it but you also won&#8217;t have to insure it or tax it, so it&#8217;s a good option if you have a car that you don&#8217;t drive.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">How do I get a SORN?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>You can make a SORN declaration online via GOV.UK, by phone or by completing the SORN application form and posting it to the DVLA. You&#8217;ll receive confirmation within four weeks of the DVLA receiving your application. Any remaining months left on your car tax will be refunded. Get the lowdown by reading our guide on <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\/how-to-sorn-a-car\">how to get a SORN for your car<\/a>.<\/p><\/div>\n  <\/div>\n<\/li><\/ul><style type=\"text\/css\">\n    .survey-response {\n        overflow-x: auto;\n        max-width: 800px;\n    }\n\n    .survey-response .luna-table th,\n    .survey-response .luna-table td {\n        padding: 0.3rem 1rem calc(0.20rem + 1px);\n        font-size: 12px;\n        color: rgb(117, 117, 117);\n        text-align: left;\n    }\n\n    .survey-response .luna-table {\n        border: none;\n    }\n\n    .survey-response .row-color-icon {\n        width: 10px;\n        height: 10px;\n        display: inline-block;\n        margin-right: 4px;\n        border-radius: 2px;\n    }\n\n    .survey-response .source-container {\n        top: -12px !important;\n        position: relative;\n    }\n\n    .survey-response .source {\n        color: rgb(108, 120, 129);\n        font-size: 11px;\n    }\n\n    .survey-response .source-link {\n        color: rgb(2, 113, 225);\n        font-size: 11px;\n        text-decoration: underline;\n    }\n\n    @media (min-width: 600px) {\n        .survey-response .border-fix {\n            border-radius: 12px;\n            border: 1px solid var(--light-divider-normal, #E5E7EB);\n            background: var(--light-background-main, #FFF);\n            padding: 0px\n        }\n    }\n\n    .survey-response .chart-container {\n        min-height: 250px;\n        border-radius: 12px;\n        border: 1px solid var(--light-divider-normal, #E5E7EB);\n        background: var(--light-background-main, #FFF);\n        padding: 15px;\n    }\n\n    .google-visualization-tooltip {\n        pointer-events: none;\n    }\n\n    @media screen and (min-width: 960px) {\n        .survey-response.u-grid {\n            margin-left: auto;\n            display: flex;\n            justify-content: space-between;\n            margin-right: auto;\n        }\n\n        .u-grid__col.chart-container {\n            margin-left: 0 !important;\n            margin-right: 0 !important;\n        }\n    }\n\n    .survey-response .table-container {\n        overflow-x: auto;\n        max-width: 800px;\n        display: block;\n    }\n\n    @media screen and (max-width: 959px) {\n        .survey-response .table-container {\n            display: block;\n        }\n\n        .source-container {\n            margin-left: 2rem;\n            margin-right: 2rem;\n        }\n    }\n\n<\/style><h4>Who is most likely to be researching car insurance for unused vehicles?<\/h4><p>Finder data suggests that women aged 25-34 are most likely to be researching this topic.<\/p><div id=\"scale-surveys-10024-27\" class=\"survey-response u-grid u-grid--gutterLarge\"><div id=\"view-who-is-most-likely-to-be-researching-car-insurance-for-unused-vehicles\" class=\"u-grid__col u-1\/2@s u-1\/1 aligncenter size-full chart-container\" style=\"max-width: 330px;\"><\/div><script type=\"text\/javascript\">\n\t\t\t\t(function() {\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\tvar packageToLoad = 'bar';\n\t\t\t\t\tvar eventName = 'GoogleChartsLoaded-' + packageToLoad;\n\t\t\t\t\tvar event = new Event(eventName);\n\t\t\t\t\n\t\t\t\t\tdocument.addEventListener(eventName, function() {\n\t\t\t\t\tconsole.log('called event!', eventName);\n\t\t\t\t\n\t\t\t\t\tfunction drawChart() {\n\t\t\t\t\t\tvar chartType = 'bar';\n\t\t\t\t\t\t\t\t\t\t\t\t \n\t\t\t\t\t\tvar data = google.visualization.arrayToDataTable([\n\t\t\t\t\t\t\t[' ', 'Male (%)', 'Female (%)', ],\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t['65+', 5.61, 3.62, ],\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t['55-64', 8.76, 4.79, ],\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t['45-54', 9.70, 7.24, ],\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t['35-44', 13.08, 8.41, ],\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t['25-34', 14.37, 9.58, ],\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t['18-24', 9.11, 5.72, ],\n\t\t\t\t\t\t\t\t\t\t\t\t\t]);\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\tvar options = {\n\t\t\t\t\t\t\tlegend: { \n\t\t\t\t\t\t\t\tposition: 'none'\n\t\t\t\t\t\t\t},\n\t\t\t\t\t\t\tcolors: ['#1a69e8', '#3178ea', '#4887ed', '#5f96ef', '#76a5f1', '#8db4f4', '#a3c3f6', '#bad2f8', '#1a69e8', '#3178ea', '#4887ed', '#5f96ef', '#76a5f1', '#8db4f4', '#a3c3f6', '#bad2f8']\n\t\t\t\t\t\t};\n\t\t\t\t\n\t\t\t\t\t\tvar chart;\n\t\t\t\t\t\t\t\t\t\t\t\tchart = new google.charts.Bar(document.getElementById('view-who-is-most-likely-to-be-researching-car-insurance-for-unused-vehicles'));\n\t\t\t\t\t\t\/\/ Bar chart specific options can go here\n\t\t\t\t\t\toptions.bars = 'vertical';\n\t\t\t\t\t\toptions.hAxis = {\n\t\t\t\t\t\t\tviewWindowMode: 'maximize',\n\t\t\t\t\t\t\tformat: '#,###\\'%\\'',\n\t\t\t\t\t\t\ttitle: ''\n\t\t\t\t\t\t};\n\t\t\t\t\t\toptions.vAxis = {\n\t\t\t\t\t\t\tformat: '#,###\\'%\\'',\n\t\t\t\t\t\t};\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\tchart.draw(data, (chartType == 'pie') ? options : google.charts.Bar.convertOptions(options));\n\t\t\t\t\t}\n\t\t\t\t\t\tdrawChart();\n\t\t\t\t\t});\n\t\t\t\t\n\t\t\t\t\tfunction init() {\n\t\t\t\t\t\tconsole.log('calling init', eventName);\n\t\t\t\t\t\tif (typeof google !== 'undefined' && google.charts) {\n\t\t\t\t\t\t\tconsole.log('found charts', google, packageToLoad);\n\t\t\t\t\t\t\tgoogle.charts.load('current', {'packages':[packageToLoad]});\n\t\t\t\t\t\t\tgoogle.charts.setOnLoadCallback(function() {\n\t\t\t\t\t\t\t\tdocument.dispatchEvent(event);\n\t\t\t\t\t\t\t});\n\t\t\t\t\t\t} else {\n\t\t\t\t\t\t\tconsole.log('retrying');\n\t\t\t\t\t\t\tsetTimeout(init, 100);\n\t\t\t\t\t\t}\n\t\t\t\t\t}\n\t\t\t\t\tinit();\n\t\t\t\t})()\n\t\t\t<\/script><div class=\"u-grid__col u-1\/2@s  u-1\/1 aligncenter size-full border-fix table-container\"><table class=\"luna-table js-tablesorter tablesorter tablesorter-default\" role=\"grid\"><thead class=\"luna-table__header\"><tr><th>Response<\/th><th>Male (%)<\/th><th>Female (%)<\/th><\/tr><\/thead><tbody class=\"luna-table__body\" aria-live=\"polite\" aria-relevant=\"all\"><tr><td><span class=\"row-color-icon\" style=\"background-color: #1a69e8;\"><\/span>65+<\/td><td>5.61%<\/td><td>3.62%<\/td><\/tr><tr><td><span class=\"row-color-icon\" style=\"background-color: #3178ea;\"><\/span>55-64<\/td><td>8.76%<\/td><td>4.79%<\/td><\/tr><tr><td><span class=\"row-color-icon\" style=\"background-color: #4887ed;\"><\/span>45-54<\/td><td>9.70%<\/td><td>7.24%<\/td><\/tr><tr><td><span class=\"row-color-icon\" style=\"background-color: #5f96ef;\"><\/span>35-44<\/td><td>13.08%<\/td><td>8.41%<\/td><\/tr><tr><td><span class=\"row-color-icon\" style=\"background-color: #76a5f1;\"><\/span>25-34<\/td><td>14.37%<\/td><td>9.58%<\/td><\/tr><tr><td><span class=\"row-color-icon\" style=\"background-color: #8db4f4;\"><\/span>18-24<\/td><td>9.11%<\/td><td>5.72%<\/td><\/tr><\/tbody><\/table><\/div><div class=\"source-container\"><span class=\"source\">Source: Finder sample of 856 visitors using demographics data from Google Analytics    \t\t<\/div><\/div><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block\">*Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (January \u201926). 51% of Confused.com car insurance customers could save \u00a3529.15.<\/div><\/article><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms \"best\", \"top\", \"cheap\" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">subject to our terms of use<\/a>. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article>","protected":false},"excerpt":{"rendered":"<p>Everything you need to know about pausing or suspending your car insurance coverage while your car is off the road.<\/p>\n","protected":false},"author":845,"featured_media":129048,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[2645],"tags":[],"asset_tag":[],"class_list":["post-127746","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-car-insurance"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Put insurance on hold for a car you don\u2019t drive | Finder UK<\/title>\n<meta name=\"description\" content=\"Can you suspend car insurance while your car is off the road? Is it wise to keep cover for fire &amp; theft? Our guide explains.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finder.com\/uk\/car-insurance\/car-insurance-unused-vehicle\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Car insurance for a vehicle you don\u2019t drive\" \/>\n<meta property=\"og:description\" content=\"Can you suspend car insurance while your car is off the road? Is it wise to keep cover for fire &amp; theft? Our guide explains.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.finder.com\/uk\/car-insurance\/car-insurance-unused-vehicle\" \/>\n<meta property=\"og:site_name\" content=\"Finder UK\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/findercomuk\" \/>\n<meta property=\"article:published_time\" content=\"2018-02-09T19:45:54+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2018\/02\/unused-car-featured.png\" \/>\n\t<meta property=\"og:image:width\" content=\"250\" \/>\n\t<meta property=\"og:image:height\" content=\"250\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Ronny Lavie\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@https:\/\/twitter.com\/RonnyLavie\" \/>\n<meta name=\"twitter:site\" content=\"@findercomUK\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Ronny Lavie\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"14 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.finder.com\/uk\/car-insurance\/car-insurance-unused-vehicle#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.finder.com\/uk\/car-insurance\/car-insurance-unused-vehicle\"},\"author\":{\"name\":\"Ronny Lavie\",\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/person\/7723ae309631e12d97ad08966c412a21\"},\"headline\":\"Car insurance for a vehicle you don\u2019t drive\",\"datePublished\":\"2018-02-09T19:45:54+00:00\",\"dateModified\":\"2026-04-02T13:27:48+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.finder.com\/uk\/car-insurance\/car-insurance-unused-vehicle\"},\"wordCount\":3200,\"commentCount\":3,\"publisher\":{\"@id\":\"https:\/\/www.finder.com\/uk\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.finder.com\/uk\/car-insurance\/car-insurance-unused-vehicle#primaryimage\"},\"thumbnailUrl\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2018\/02\/unused-car-featured.png\",\"articleSection\":[\"Car insurance\"],\"inLanguage\":{\"@type\":\"Language\",\"name\":\"English\",\"alternateName\":\"en\"},\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.finder.com\/uk\/car-insurance\/car-insurance-unused-vehicle#respond\"]}],\"comment\":[{\"@id\":\"https:\/\/www.finder.com\/uk\/car-insurance\/car-insurance-unused-vehicle#comment-28881\"},{\"@id\":\"https:\/\/www.finder.com\/uk\/car-insurance\/car-insurance-unused-vehicle#comment-28759\"},{\"@id\":\"https:\/\/www.finder.com\/uk\/car-insurance\/car-insurance-unused-vehicle#comment-12897\"}],\"copyrightYear\":\"2018\",\"copyrightHolder\":{\"@id\":\"https:\/\/www.finder.com\/#organization\"}},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.finder.com\/uk\/car-insurance\/car-insurance-unused-vehicle\",\"url\":\"https:\/\/www.finder.com\/uk\/car-insurance\/car-insurance-unused-vehicle\",\"name\":\"Put insurance on hold for a car you don\u2019t drive | Finder UK\",\"isPartOf\":{\"@id\":\"https:\/\/www.finder.com\/uk\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.finder.com\/uk\/car-insurance\/car-insurance-unused-vehicle#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.finder.com\/uk\/car-insurance\/car-insurance-unused-vehicle#primaryimage\"},\"thumbnailUrl\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2018\/02\/unused-car-featured.png\",\"datePublished\":\"2018-02-09T19:45:54+00:00\",\"dateModified\":\"2026-04-02T13:27:48+00:00\",\"description\":\"Can you suspend car insurance while your car is off the road? 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We compare everything from bank accounts, personal loans, investing platforms and much more.\",\"email\":\"heythere@finder.com\",\"legalName\":\"Finder\",\"foundingDate\":\"2006-01-01\",\"numberOfEmployees\":{\"@type\":\"QuantitativeValue\",\"minValue\":\"51\",\"maxValue\":\"200\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/person\/7723ae309631e12d97ad08966c412a21\",\"name\":\"Ronny Lavie\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/03\/ronnylavie_supplied_512x512.jpg\",\"contentUrl\":\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/03\/ronnylavie_supplied_512x512.jpg\",\"caption\":\"Ronny Lavie\"},\"description\":\"Ronny Lavie was a deputy editor at Finder, specialising in insurance content. She has almost a decade of experience writing about financial topics, including five months spent as the interim managing editor for the Fintech Times newspaper. Ronny has a Master of Arts in Creative Writing from London Middlesex University.\",\"sameAs\":[\"https:\/\/twitter.com\/RonnyLavie\",\"https:\/\/www.linkedin.com\/in\/ronnylavie\/\"],\"url\":\"https:\/\/www.finder.com\/uk\/author\/ronnylavie\",\"jobTitle\":\"Editor\",\"worksFor\":{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.finder.com\/uk\/#organization\",\"name\":\"Finder\"}},{\"@type\":\"Comment\",\"@id\":\"https:\/\/www.finder.com\/uk\/car-insurance\/car-insurance-unused-vehicle#comment-28881\",\"author\":{\"@type\":\"Person\",\"name\":\"Dee\"},\"text\":\"I have taxi insurance and I have just renewed it. I asked the question can I cancel and get a full refund without penalties the sales advisor said yes. This part of the call can not be found as the call recording the company are saying was paused as they was taking payments. I\u2019ve told the company it may be months before I can get back to work. They said we can cancel as you\u2019re in your 14days but there will be a \u00a3175 cancellations charge even though the policy is not due to start until 28th April 2020\",\"datePublished\":\"2020-04-22 08:04:31\"},{\"@type\":\"Comment\",\"@id\":\"https:\/\/www.finder.com\/uk\/car-insurance\/car-insurance-unused-vehicle#comment-28759\",\"author\":{\"@type\":\"Person\",\"name\":\"Ginda\"},\"text\":\"I am not driving at the moment.doing self isolation. No income coming in so can I freeze my van insurance??\",\"datePublished\":\"2020-04-18 12:28:07\"},{\"@type\":\"Comment\",\"@id\":\"https:\/\/www.finder.com\/uk\/car-insurance\/car-insurance-unused-vehicle#comment-12897\",\"author\":{\"@type\":\"Person\",\"name\":\"Gilly\"},\"text\":\"My two children who are both in their twenties have built up good levels of NCBs (7 and 5 years respectively); however, they both now live and work in cities and only drive their cars when they return home to the countryside 3 or 4 times a year. Can they sell their cars, cancel their car insurance policies and maintain their NCBs for a future date? If so, for how long? Thank you.\",\"datePublished\":\"2019-03-31 07:45:46\"}]}<\/script>\n<meta property=\"article:modified_time\" content=\"2026-04-02T13:27:48+00:00\" \/>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Put insurance on hold for a car you don\u2019t drive | Finder UK","description":"Can you suspend car insurance while your car is off the road? Is it wise to keep cover for fire & theft? Our guide explains.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.finder.com\/uk\/car-insurance\/car-insurance-unused-vehicle","og_locale":"en_GB","og_type":"article","og_title":"Car insurance for a vehicle you don\u2019t drive","og_description":"Can you suspend car insurance while your car is off the road? Is it wise to keep cover for fire & theft? 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They said we can cancel as you\u2019re in your 14days but there will be a \u00a3175 cancellations charge even though the policy is not due to start until 28th April 2020","datePublished":"2020-04-22 08:04:31"},{"@type":"Comment","@id":"https:\/\/www.finder.com\/uk\/car-insurance\/car-insurance-unused-vehicle#comment-28759","author":{"@type":"Person","name":"Ginda"},"text":"I am not driving at the moment.doing self isolation. No income coming in so can I freeze my van insurance??","datePublished":"2020-04-18 12:28:07"},{"@type":"Comment","@id":"https:\/\/www.finder.com\/uk\/car-insurance\/car-insurance-unused-vehicle#comment-12897","author":{"@type":"Person","name":"Gilly"},"text":"My two children who are both in their twenties have built up good levels of NCBs (7 and 5 years respectively); however, they both now live and work in cities and only drive their cars when they return home to the countryside 3 or 4 times a year. 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