AlexJReid

Just been going through my insurance docs from A-Plan for my newly imported car. It's currently insured on the chassis number yet the documentation states that 'road risk' cover is not included before they are given a registration number.

Can someone clarify what 'road risk' actually means? Does a lack of it mean I'm not even covered third party on the road? (Needed to drive to MOT.) I didn't know you could get a certificate of motor insurance that doesn't satisfy minimum legal levels of insurance.

wilkoca

It means your not covered for driving on the road, you can get policies that exclude this - such as laid up policies - so your covered for theft and AD
but no road risk cover.

Seems a little harsh as some companys like NU will give yo a limited amount of time to get the vehicle registered.

Since new regs came into force re MID many insurers have tighted up procedures regarding unregistered cars.

AlexJReid

Thanks, as I thought - does seem harsh.

A bit annoying as I had told A-Plan on the phone, "Oh, I'll need to drive it for its first MOT so can you insure it on the chassis number." They said "Fine, no problems - we do that a lot."

I'll call them tomorrow to clarify - but hopefully this will serve as a word of warning to anyone insuring an unregistered import with A-Plan who needs to drive it to an MOT.

rcwhite

i have done the same thing on my jdm sti

called Aplan last week told them the situation my car its currently being sva and getting registered but is it ok to insure it on the vin number Aplan said no problem . so i will have to call them with my registration before i can drive it to be fully covered how strange

AlexJReid

EDIT:
Just phoned them up, I am covered if the road use is in connection with getting the car registered. Relief!