Can You Insure an Unregistered Car?

When it comes to car insurance, most people assume their vehicle needs to be registered to get coverage. However, there are various scenarios where you might need insurance for an unregistered car. Understanding how this works can save you from potential headaches and ensure your vehicle is protected.

Why Would You Need to Insure an Unregistered Car?

There are several reasons why someone might need insurance for an unregistered car:

1. Storage and Protection: You might have a classic car or a vehicle you only use seasonally. Insuring it while it’s in storage protects it from theft, fire, and other damages.
2. Transporting: If you need to move an unregistered car from one location to another, having insurance can cover any accidents that might happen during transport.
3. Proof of Ownership: Insurance can serve as proof of ownership if the registration process is delayed.

Can You Get Insurance for an Unregistered Car?

The short answer is yes, but it comes with some conditions and limitations.

1. Comprehensive Coverage: Some insurance companies offer comprehensive policies for unregistered cars. This type of coverage protects against non-driving-related incidents such as theft, fire, and vandalism.
2. Garage Liability Insurance: This is a specialized policy often used by car collectors or people storing multiple vehicles. It covers the car while it’s off the road.
3. Temporary Insurance: If you’re in the process of registering the car, some insurers offer temporary policies that provide coverage for a short period, typically ranging from a few days to a month.

Steps to Insure an Unregistered Car

Here’s a step-by-step guide to getting your unregistered car insured:

1. Research Providers: Not all insurance companies offer policies for unregistered cars. Start by finding providers who specialize in this type of coverage.
2. Gather Information: You’ll need details about the car, such as its make, model, year, and vehicle identification number (VIN). If the car is new, you might also need the bill of sale.
3. Choose Coverage: Decide what type of coverage you need. If the car is in storage, comprehensive coverage might be sufficient. If you’re transporting it, you might need a more comprehensive policy.
4. Get Quotes: Contact a broker to get quotes and compare rates & coverage. Make sure to ask about any conditions or limitations of the policy.
5. Purchase the Policy: Once you’ve chosen the best policy, purchase it and ensure you understand the terms and conditions.

Things to Consider

• Limited Use: Policies for unregistered cars often come with usage limitations. Make sure you understand what is and isn’t covered.
• Cost: Insuring an unregistered car might be more expensive than a standard policy due to the perceived higher risk.
• Policy Terms: Review the policy terms carefully. Look out for clauses that might exclude certain types of damage or limit the coverage period.

Final Thoughts

Insuring an unregistered car is not only possible but sometimes necessary. Whether you’re storing, transporting, or simply preparing to register your vehicle, having the right insurance coverage can protect your investment. By understanding your options and taking the appropriate steps, you can ensure your unregistered car is adequately protected.

If you need help insuring your unregistered car or have any questions about the process, Heritage Insurance is here to assist. Contact us today for a consultation and let us help you find the right coverage for your needs.