Do I Need To Insure A Car That Is Sorn
Do I Need To Insure A Car That Is Sorn?
What is SORN?
SORN, or Statutory Off Road Notification, is a process by which a vehicle owner can declare that their vehicle will not be used on public roads. Doing so exempts the vehicle from needing to be taxed or insured. SORN is a way for vehicle owners to save money if their vehicle is not in use, and it's also a way to make sure the vehicle is not contributing to road safety issues. The process of applying for a SORN is relatively straightforward; owners must notify the Driver and Vehicle Licensing Agency (DVLA) using the appropriate forms.
Insurance Requirements for SORN Cars
The main requirement for a SORN car is that it must not be used on public roads. This means that the vehicle cannot be driven, and it cannot even be parked on a public road. If it is, the vehicle must be taxed and insured in the normal way. Insurance requirements for a SORN car are a bit more complicated. You don't need to insure a vehicle that has a SORN, but you may want to. That's because there's a risk of theft or damage to the vehicle, even if it's not being used on public roads. If you choose not to insure a SORN car, then you'll need to bear the cost of any repairs yourself if the vehicle is damaged.
Why Should I Insure A SORN Car?
There are several reasons why you might want to insure a SORN car. The first is that you may not have the money to repair the car if something happens to it. Insurance gives you peace of mind that if the worst does happen, you won't be left out of pocket. Insurance also protects you against theft or vandalism, which can be a real risk for a vehicle that is not in use. Finally, having insurance gives you the option to drive the car on public roads if you need to. This is a very important consideration, as driving an uninsured vehicle is a serious offence.
How Much Does SORN Insurance Cost?
The cost of SORN insurance will depend on several factors, such as the age and condition of the vehicle, its value, and the area you live in. In general, SORN insurance tends to be cheaper than comprehensive insurance for a car that is being used on public roads. That's because there is less risk to the insurer, as the vehicle is not being driven. Most insurers will also offer discounts for cars that are not being used on public roads. As with any insurance policy, it's best to compare quotes from multiple providers to get the best deal.
Conclusion
SORN is a great way to save money if your vehicle is not being used on public roads. However, it's important to consider the risks associated with not having insurance for the vehicle. Insurance for a SORN car is usually cheaper than for a vehicle that is being used on public roads, and it can give you peace of mind if something happens to the vehicle. It's always best to shop around for the best insurance deal, and make sure you understand what is and isn't covered in the policy.
