Do You Need To Insure A Sorn Car?

When you have a car that’s been declared as a Statutory Off Road Notification (SORN), you may be wondering whether you need to insure it. A SORN car is simply a vehicle that is registered with the Driver and Vehicle Licensing Agency (DVLA) as being off the road and is, therefore, not legally required to be insured.

What is a SORN?

In the UK, if you have a car and you don’t want to use it on the public roads you can declare it as a SORN. The SORN applies to the car, not the person, so if you change vehicle the new one has to be separately registered. It is important to remember that you must inform the DVLA of your SORN status, as failure to do so can lead to a fine.

Once you have made a SORN, you don’t need to pay vehicle tax and you don’t need to insure the car. You must, however, still keep it in a roadworthy condition and make sure that it does not cause a danger or nuisance to other road users.

Why Would You Insure a SORN Vehicle?

Although you don’t need to insure a SORN car, there are some situations where it might be a good idea. If you are planning to drive the car, even for a short distance, you may want to insure it as third-party cover. This is the minimum level of insurance and it will cover any damage you do to another person’s vehicle or property while you are driving.

You may also want to consider insuring a SORN car if you are keeping it in a public place. Even if you have it parked in your driveway, it may still be vulnerable to theft or vandalism. If you buy comprehensive insurance, you will be covered for any damage caused by a third party or by yourself. It is important to remember that if you plan to drive a SORN car you must inform your insurer, otherwise your policy could be invalidated.

Finding The Right Insurance Policy

When you are looking for an insurance policy for a SORN car, it is important to shop around and compare prices. You should also check the small print carefully to make sure that you are getting the right level of cover for your needs. You may also want to look for any special offers or discounts, such as those for multi-car policies.

Finally, make sure that you are aware of the rules and regulations surrounding SORN cars. It is important to keep the car in a safe condition and in a place where it is not likely to cause an obstruction. Remember that if you use the car on the road, you must have the right level of insurance.