My husband and I both work full time and normally each of us requires a vehicle. We have a 2007/07 S-Max 2-litre TDCI, which we have owned from new, and a 2009/09 VW Caravelle. For the next 2 years - and only the next 2 years - we will both be within walking or cycling distance of our place of work. I am pondering whether to sell the S-Max.

It is in good condition, does 45mpg, has done 55,000 miles, is MOT until June 2012, and I love it, but it is likely to see limited use for the next 2 years. With 2 young children we still need a vehicle daily for drop-off and pick-up at childminder. Any period without a vehicle (servicing or repairs) would be extremely difficult. What factors should I consider in whether to keep or sell it? I would need something similar again in two years' time (adventurous sports hobbies and a dog). Will there be any increase in premium when I need a policy in my own name again? I am 37.