Car Insurance: All about Non-Running Car Insurance

 What is non-running car insurance?

All you need to know about non-running car insurance is here, whether it is following a breakdown, a loss or simply because it is not used. The law obliges all vehicle owners to insure their vehicle on pain of being punished by law. But for several reasons beyond or depending on your will (long trip, second home or health problem), you parked your car in the garage or in a car park.

So you ask yourself, is it an obligation to take out insurance for this car? In this article, discover the steps to follow to insure your non-running car at a lower cost.



Non-running car insurance: what you need to know
Non-running car insurance is insurance that aims to protect the owners of vehicles that are not running from damage that the latter could cause.

The subscription to a compulsory minimum insurance, called third party insurance is important. A parked car or parking in a car park presents risks.

Is non-running car insurance an obligation?
What does the law say about the insurance of non-running cars?
The insurance code in its article L.221-1 obliges any owner or holder of a land motor vehicle (MTV) circulating or not to insure his car.

Insuring an uncirculated car protects you from possible damage that may occur.
Thus, your civil liability will be covered against the damage caused to your non-rolling vehicle. Do not miss our file on your right to withdraw from an auto insurance contract under the Hamon law.

What type of damage should non-wheeling auto insurance cover?
Non-rolling auto insurance must cover the civil liability of its owner in the event of theft and damage caused by a natural disaster. In addition, it must also cover fires and incidents caused by a third party.

Indeed, the risks run when the car is parked are numerous. Both the fuel and the battery pose a huge risk of fire and explosion. The same is true for auto insurance terminated for non-payment.

Likewise, when the car is parked in a parking lot, for example, someone can be injured by hitting the vehicle. It can also suffer a collision with a car in a garage or parking lot.

In addition, in the event of theft, the damage caused by the thief could be attributed to you. But with the purchase of non-wheeling vehicle insurance, you are covered for this risk.

Which non-rolling car insurance to choose?
To the delight of car owners, insurance companies have specific formulas for non-running cars, such as term insurance for young drivers.

The third party auto insurance formula
This type of option covers your civil liability by taking into account the minimum legal and mandatory guarantees while minimizing insurance costs.

Thus, the costs related to bodily injury and material damage inflicted on a third party in the event of an accident will be covered by said insurance. This is the cheapest option.

Parking insurance or “non-traffic” insurance
The purpose of this type of formula is to insure cars that will be parked in a car park or in a garage for a long period. The fees to subscribe are very reasonable.

Even when parked, the car is a danger, as there is a risk of fire or explosion from the battery or fuel.
Securing your car parked in a parking lot will save you a lot of legal trouble.

How to avoid insuring a non-driving vehicle?
Since the law requires that a car in circulation must be insured, several actions have been taken before the courts to exempt non-running cars from this obligation.

But none of these appeals have been successful, because parked vehicles have a capacity to move and must therefore be insured.

non-rolling car insurance

The strategy to adopt in order not to insure your non-rolling car
To escape the law that requires drivers to take out non-wheeling car insurance, you must first remove all four wheels from your car.

Then you need to drain the fuel from the car. And finally, you need to remove the battery from the car.
Indeed, this strategy is simply to remove all risk factors from the car such as the gas tank, wheels and battery.

Thus, you deprive the car of its ability to move or created a danger. Thus, you are no longer subject to a fine and you exempt from an insurance obligation.

How do you find the right non-wheeling car insurance for you?
Non-running car insurance is a compulsory