Many people wonder if it is necessary to put a hand in the wallet and pay the insurance even for a car that has been standing still for some time in the garage or in a private area. The answer, unfortunately for you, is yes. Here we explain the details on this topic and the latest news in terms of payment of Rc Auto insurance on non-circulating cars.
Several Italians are owners of cars parked in garages or other private fenced areas. The reasons may be linked to the purchase of a new car, to having become attached to the previous one and, therefore, not wanting to sell it yet, to a momentary absence of a child from home or many others.
Regardless of the reason, if you own a car parked in a stable way and not circulating on the street, you will still be obliged to pay the Rc Auto insurance normally. What are the reasons? Here we explain in detail the reason for this thing.
Therefore, every year you will have to pay the sum relating to the Rc Auto insurance policy. Although, in fact, you cannot be stopped at a checkpoint by the Police, you must pay this compulsory tax. Many find this absurd. In reality, however, it is not really that strange.
The insurance obligation, in fact, does not involve the personal decision of a user to drive the vehicle, but depends on the suitability of the car to circulate. If, ironically, the car were to be stolen or used by a person against the will of the owner, the owner would always be responsible for any problems in the event of an accident.
The fine, in the event of uncovered insurance, would be very high indeed. How much is? What decision has the Court of the European Union made lately? Here are all the details about it.
Car not circulating and parked in the garage? You will still have to pay for the insurance!
A car stopped in a public space is, however, always subject to the risk of being ‘hit’ accidentally. There must therefore be an insurance obligation. But the latest European directives have clarified that even cars stationary in private areas, such as a garage, have this obligation.
Indeed, the EU directive 2021/2118, which was published on December 2, 2021, extended the liability for Rc Auto insurance to cars that are not circulating or, in any case, parked permanently in private courtyards, garages or other similar places. A ‘blow’ for several Italian owners of unused vehicles.
Are there ways to not legally pay the Rc Auto insurance for cars that are stationary on a permanent basis? After the last European directive, the possibilities are reduced to the bone. If you don’t want to pay, the only possible things are to sell the car or to request the deregistration of the car from the PRA, thus actually withdrawing it from circulation.
Therefore, even those who own a car that is parked in the garage are obliged to pay the amount relating to motor liability insurance. If you do notthe risk is to suffer the the same sanctions described in article 193, paragraph 2, of the Highway Code: “Anyone traveling without insurance coverage is subject to the administrative sanction of payment of a sum from 866 to 3,464 euros”.
We have resolved all the doubts related to this situation that is not clear to everyone. The only things you can do, therefore, are those of pay annual insurance or sell your car or make it unroadworthy.
