Do You Have To Insure A Sorn Car?

What Is A SORN Car?

A SORN car, also known as a Statutory Off Road Notification, is when a car owner has notified the DVLA that their car is not being used on UK roads. The car can be kept off the roads for any reason, such as the owner no longer needing it, or because the vehicle does not meet the necessary road safety standards. When the car is not being used, the owner can make a SORN to the DVLA. This effectively declares the car as being off the roads and the vehicle is then not allowed to be driven or parked on any public roads.

Do You Have To Insure A SORN Car?

The short answer to this question is no, you do not have to insure a SORN car. This is because when a car is registered as a SORN, it is no longer considered to be a ‘roadworthy’ vehicle and so does not need to be insured. As such, you will not be legally required to take out an insurance policy for a SORN car.

Why Would You Insure A SORN Car?

Although it is not legally required, there may be times when you may wish to insure a SORN vehicle. This could be in the event of any damage caused to the car while it is off the roads, or if the car is stolen. Additionally, if the car is left in storage for a long period of time, insurance can help to protect against any potential damage caused by natural events such as floods or storms.

What Types Of Insurance Are Available For SORN Cars?

There are a few different types of insurance policies available for SORN cars. The most common type of insurance is a lay-up policy. This type of policy is designed for vehicles that are left in storage for long periods of time and does not provide any cover for the vehicle while it is being driven. It does, however, provide cover for any damage caused to the car while it is in storage.

Another option is a limited mileage policy. This type of policy is designed for vehicles that are used occasionally, usually for short trips or during the summer months. This type of policy will cover the car while it is being driven, but only for a limited number of miles per year.

Finally, you might also want to consider a full comprehensive policy. This type of policy will provide cover for the car while it is being driven and also for any damage caused to the car while it is in storage. However, this type of policy is usually more expensive than the other options and may not be suitable for everyone.

Conclusion

In conclusion, it is not legally required to insure a SORN car, however there may be times when it is beneficial to do so. There are a few different types of insurance policies available for SORN cars, so it is important to do your research and find the one that best suits your needs.