Can You Insure A Sorn Vehicle
Can You Insure A Sorn Vehicle?
The process of insuring a vehicle can be complicated, but when it comes to insuring a vehicle that has been declared a Statutory Off-Road Notification (SORN), it can be even more confusing. A SORN is a declaration made to the Driver and Vehicle Licensing Agency (DVLA) that a vehicle is not being used on a public highway and is off the road.
Some people who receive a SORN may be under the impression that they no longer need to insure the vehicle, but this is not the case. To legally keep a SORN vehicle on a driveway or in a garage, it needs to be insured as part of a Statutory Off Road Insurance (SORI) policy. This type of policy is specifically designed to cover vehicles that are declared SORN.
What Is Statutory Off Road Insurance (SORI)?
Statutory Off Road Insurance (SORI) is a type of insurance policy specifically designed to cover vehicles that have been declared SORN. A SORI policy is required for any vehicle that has been declared SORN and is kept off the road. This type of insurance policy covers the vehicle against any damage or injury caused by the vehicle being driven or parked on a public highway. This type of policy does not cover the vehicle if it is being driven on the road or if it is used for any type of business use.
What Does A SORI Policy Cover?
A SORI policy covers the vehicle against any damage or injury caused by the vehicle being driven or parked on a public highway. This type of policy does not cover the vehicle if it is being driven on the road or if it is used for any type of business use. A SORI policy will also provide cover for third-party liability, which means that if the vehicle is involved in an accident, any damage or injury caused to another person or property will be covered by the policy. The policy will also provide cover for any legal costs associated with the accident.
How Much Does A SORI Policy Cost?
The cost of a SORI policy will vary depending on the make and model of the vehicle, as well as the age and condition of the vehicle. Generally speaking, the cost of a SORI policy is much lower than a standard car insurance policy as the risk of the vehicle being involved in an accident is much lower. The cost of a SORI policy can range from as little as £20 for a small vehicle to as much as £200 for a larger vehicle.
What If I Don’t Have A SORI Policy?
If you have a SORN vehicle and do not have a SORI policy, then you are breaking the law. If you are caught without a SORI policy then you could face a fine of up to £1,000. It is important to remember that a SORI policy is not a substitute for a standard car insurance policy, as a SORI policy only covers the vehicle against any damage or injury caused by the vehicle being driven or parked on a public highway. It does not cover the vehicle if it is being used for business or pleasure.
Conclusion
If you have a SORN vehicle, then it is important that you have a SORI policy in place. A SORI policy is a legal requirement and failure to have one can result in a fine of up to £1,000. A SORI policy provides cover for any damage or injury caused by the vehicle being driven or parked on a public highway. The cost of a SORI policy varies depending on the make and model of the vehicle, but is generally much lower than a standard car insurance policy.
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