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SORN and insurance

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SORN and insurance

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johnw

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The new law comes into effect on 20th June 2011. From that date any car in England, Wales or Scotland MUST be either insured or declared SORN at all times.

The only exception is a car which was last taxed before 31st January 1998 and which has not been used on the road since.
 
this is a right **** off if you have a car for sale you want it taxed to get more buyers intrested, example i have a mkb on my front garden for sale all taxed and moted, but insurance has ran out, atm buyers who are intrested can just turn up with insurance and drive it away. when new law comes, they would have to get it taxed first, with most people wanting to pick cars up after work or on a sunday when post office is shut it going to put a lot of buyers off :(
 
Most Easterly Pandas said:
is there any grace with the system.
Click to expand...
There will be a bit of grace. When the DVLA computer finds a vehicle which has no insurance and is not SORN'd they will issue an Insurance Advisory Letter. At the moment its not clear what that means. I suspect you will be expected to either insure or SORN more or less at once.


If you don't then a fine will be issued automatically by the DVLA. As far as I am aware that will be around £100. If that isn't paid or you repeat the offence it could go to court with a fine of up to £1000. The DVLA also have powers to clamp or remove the vehicle and destroy it. It seems that they will have power to enter private property to do that. It is not clear to me if they will have power to make forced entry to a garage.
 
I have now got the official notification for this.

The DVLA will be be continuously comparing their database of SORN'd vehicles against the MID database. When they find a vehicle which is not on one or other of those databases they will send a warning letter.

You then have a week or so - the exact period is not yet confirmed - to either SORN or insure. If you don't do that then a £100 fine will be issued with a 50% discount if paid within 7 days. No points.

If you don't pay then they will issue a summons to court where the fine can be up to £5,000. If the vehicle is found on public property it will be clamped or seized.
 
johnw said:
I have now got the official notification for this.

The DVLA will be be continuously comparing their database of SORN'd vehicles against the MID database. When they find a vehicle which is not on one or other of those databases they will send a warning letter.

You then have a week or so - the exact period is not yet confirmed - to either SORN or insure. If you don't do that then a £100 fine will be issued with a 50% discount if paid within 7 days. No points.

If you don't pay then they will issue a summons to court where the fine can be up to £5,000. If the vehicle is found on public property it will be clamped or seized.
Click to expand...

I'm confused...does this mean that I can't keep my car on my drive uninsured but taxed? Or insured but not taxed?
 
Sorry for the confusion.


Unless covered by the exemption I mentioned in my first post in this thread all vehicles - whether on the road, in a public place or kept off the road must at all times be EITHER declared SORN or insured.

If not being used on the road or kept in a public place then SORN is all that is needed. There is nothing to stop you insuring such a car against fire and theft if you want to. That level of insurance doesn't show up on the MID database and won't arouse suspicion that you may be driving it.

If it is used on the road or kept in a public place it needs tax, insurance and MOT (if more than 3 years old) and must not be declared SORN.
 
Somebody told me that there is such a thing as "laid up insurance" for this situation. Has anybody come across this? I have just enquired about adding a car (they weren't even interested in what car it was) to my insurance for 2 weeks to cover the time it will probably take to sell a car that I already own) and they quoted me £90 for 2 weeks! I would be better off taking out a normal policy and then canecelling it when I need to on that basis surely?
 
Insurance has nothing to do with it, it has to be SORN'd even on your drive private land or anywhere!
No vehicle requires insurance if not used on the public highway and if it's on the highway all the rest applies MOT etc.
Trust me i know 1st hand, if it's not SORN they WILL clamp it, with a 48hours notice then on the dot they will take your vehicle, impound it, then you have 7days to get it back after various charges are payed for, "low value" vehicles will be crushed, more valuable will be declared recovered and sent to auction.

I had the 1st one done to me. :( :cry: :(

Also a side note, if anyone is restoring a car, or a car you love is off the road, then get an insurance quote with the average mileage declared as zero,
my last insurance for a vehicle off the road was £150 TPFT, its classed as very low risk so insurance is minimal but deffo worth doing.
 
Oh and another note, the fine for Not declaring SORN on time is £80 also if you dont tell the DVLA that you sold your vehicle its a £35 fine. :(
And dont worry the fine will be sat on your door step 14 days after tax/sorn due date.

What can i say i hate doing paper work and pay for the privileged :shakehead:
 
Last edited:
That's not the issue GrandeGuy - the issue is, if the vehicle is SORN and sitting on your driveway how would you insure it against malicious damage from the innumerable scrotes that will no doubt come along and key the paint, or smash the windows, or nick the wheels. Normal car insurance is too expensive as codger says because it also covers driving related accidents/incidents, hence why I was suggesting home insurance.
 
Eklipze3k said:
That's not the issue GrandeGuy - the issue is, if the vehicle is SORN and sitting on your driveway how would you insure it against malicious damage from the innumerable scrotes that will no doubt come along and key the paint, or smash the windows, or nick the wheels. Normal car insurance is too expensive as codger says because it also covers driving related accidents/incidents, hence why I was suggesting home insurance.
Click to expand...

Not if you declared it off the road with an annual mileage of Zero.
Trust me i had 3motorbikes a transit van, an Xr2 a Mk3 Golf GTI, a Mk2 polo and a skyline, laid up at my house at one point, the cost to insure a car not used on the road is very very low because the factor that causes the cost is damage to other people and other vehicles.
As for the house insurance nothing outside your property is covered it's home and contents, i asked if one of my cars were covered inside the garage built onto my house, and i wish i never asked :( they started saying about it being a high risk due to the flammable liquids etc.
 
GrandeGuy said:
Insurance has nothing to do with it, it has to be SORN'd even on your drive private land or anywhere!
No vehicle requires insurance if not used on the public highway and if it's on the highway all the rest applies MOT etc.
Trust me i know 1st hand, if it's not SORN they WILL clamp it, with a 48hours notice then on the dot they will take your vehicle, impound it, then you have 7days to get it back after various charges are payed for, "low value" vehicles will be crushed, more valuable will be declared recovered and sent to auction.

I had the 1st one done to me. :( :cry: :(

Also a side note, if anyone is restoring a car, or a car you love is off the road, then get an insurance quote with the average mileage declared as zero,
my last insurance for a vehicle off the road was £150 TPFT, its classed as very low risk so insurance is minimal but deffo worth doing.
Click to expand...

Your getting the wrong end of the stick about what this thread is in relation to ;)
 
x Alex x said:
i'm still running a car daily without its own policy but obviously i am insured on it, i'll wait till i get a letter before i stop using it, not the end of the world if i get fine either tbh i wont be paying it :ROFLMAO:
Click to expand...

Soon as it is left unattended on a road, it won't have insurance.
 
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