Project insurance

[Adrianb]

Hi all. At what point in a project/ restoration can you or should you ! Consider insuring the project as at some point there can be a few hundred pounds worth of parts sitting in our sheds garage driveways ?

[Clive]

Tricky to say, and depends how risk averse you are. I tend not to insure until a car is roadworthy and about to be used. But if you have something with value it may be worth calling one of the classic insurance specialists and getting a quote. I doubt it will be expensive, but do ask about the cover. I doubt they will want to insure something just left on a driveway, but then again I have never asked. 

[Martins Stag]

Interesting question i suppose you could say that a car is a car and it doesn't matter how many pieces it is in? But as Clive says talk to the companies and see what they say. I think i have always had cars insured even if they are locked away and in a garage.

[thescrapman]

Most of the brokers will give you a quote for "off road " insurance.  Can be same price as a very limited mileage on road policy in my experience. 

But will cover spares etc.

[Nick Jones]

Be careful as off-road insurance is intended for complete cars, not projects in progress and some policies specifically exclude vehicles “under work”

[PeteStupps]

Lancaster (or possibly Adrian Flux) offered me "laid up" insurance when my renewal came up but car was having engine surgery. But it wasn't that much cheaper than insuring it fully, which is what I did in the end.