Do SORN Vehicles Need Insurance?

What is a SORN Vehicle?

A SORN vehicle is a vehicle that has been declared as off the road by its registered keeper through a Statutory Off Road Notification (SORN). It means the vehicle cannot be used on a public road and must be kept off the road and on private land.

One of the main reasons drivers choose to SORN their vehicle is because they do not require an annual road tax due to the vehicle being kept off the public road. As this is the case, does a SORN vehicle need insurance?

Do SORN Vehicles Need Insurance?

The answer is yes. Even though the vehicle is not being used on a public road, it is still a legal requirement to have insurance on the vehicle if it is SORN. Insurers may still require you to have a valid MOT even if the vehicle is SORN.

It is not only the law to insure your vehicle if it is SORN, it also offers some protection in case of theft or damage. The cost of insuring a SORN vehicle is substantially lower than a vehicle used on the road and can save you money in the long run.

What Type of Insurance Does a SORN Vehicle Need?

The type of insurance you will need will depend on the type of vehicle you have. If you have a classic car that is SORN, you may want to look into Agreed Value Insurance. This type of insurance will pay out a pre-agreed amount in the event of the vehicle being written off.

If you have a modern vehicle that is SORN, you will be looking at a classic car insurance policy. This type of policy will cover your vehicle for theft, accidental damage, and fire. It is important to remember that a classic car insurance policy will not cover you for third-party damage.

What If a SORN Vehicle Is Used on a Public Road?

If you choose to use a SORN vehicle on a public road, you will need to take out a standard car insurance policy. This type of policy will provide comprehensive cover and will cover you for third-party damage. The cost of insuring a SORN vehicle on a public road will be significantly higher than a classic car insurance policy.

Conclusion

It is important to note that a SORN vehicle still needs to be insured, even though it is not being used on a public road. The type of insurance you will need will depend on the type of vehicle you have and whether or not you are using it on a public road. It is also important to remember that if you choose to use a SORN vehicle on a public road, you will need to take out a standard car insurance policy.