If your car is not currently being used on the road – perhaps because it’s being repaired or restored – you’ll still need CTP insurance. However, if you want coverage at a lower cost, you may be able to reduce your premium by taking out laid-up car insurance, which can protect against risks such as fire, theft, vandalism and accidental damage. If you drive your car only occasionally, you may be able to lower your insurance costs by taking out pay as you drive car insurance.