Do All Cars Have To Be Insured Even If Sorn

Do All Cars Need To Be Insured Even If SORN?

When it comes to owning a car, having car insurance is a must. But what about when you don’t want to use your car anymore, and want to keep it off the road? Do you still need to insure your car?

The answer is yes, you do. A Statutory Off Road Notification, or SORN, is when a car owner registers their car as off the road. This means they are not allowed to drive the car on public roads and highways, and they do not need to pay vehicle tax on it. But, even with a SORN, a car owner still needs to ensure their car.

Why Do You Need Insurance On A SORN Car?

The reason why car owners need to insure their car even when it is off the road is because of the Motor Insurance Database (MID). The MID is a database of all vehicle insurance policies in the UK and is managed by the Motor Insurers’ Bureau (MIB). The MIB is responsible for compensating victims of uninsured drivers, as well as hit-and-run drivers.

The MID not only keeps track of vehicle insurance policies, but also of SORN declarations. If a car owner doesn’t insure their car, even if it is off the road, then it will be flagged up on the MID. This could lead to fines, points on their driving license, or even a prison sentence.

What Insurance Do You Need?

When you SORN a car, you don’t need to purchase a full car insurance policy. Instead, you can purchase a SORN insurance policy. This type of policy covers the car if it is damaged by fire, theft, or vandalism. It does not cover the car if it is involved in an accident on the road.

SORN insurance policies are usually cheaper than a full car insurance policy, as they offer a lower level of cover. However, they are still essential if you don’t want to risk being fined or having points on your license.

Conclusion

In conclusion, it is essential to insure a car, even if it is off the road. If a car owner fails to do this, they may be fined, have points on their license, or even be sent to prison. The best way to ensure a SORN car is with a SORN insurance policy. This type of policy is cheaper than a full car insurance policy, and covers the car against fire, theft, and vandalism.