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Sorn And Insurance


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#1 Horace

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Posted 22 April 2020 - 09:07 AM

Hi All,

 

I normally tax and insure my VXT all year round.  However, it is currently sat in MMG workshop with valve stem seals being replaced (plus other stuff).  With the lockdown in place, it's not going anywhere soon.

 

So was thinking of saving some money by SORNing it.  But when I look around the internet, it would appear that I would also have to cancel my insurance?

 

Input/Advise would be appreciated.

 

Thanks.



#2 Ivor

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Posted 22 April 2020 - 09:15 AM

You don't cancel your insurance, not sure where you got that from

#3 Horace

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Posted 22 April 2020 - 09:52 AM

First paragraph on this link:

 

 https://www.confused.com/car-insurance/guides/how-to-cancel-your-car-insurance

 

but there's conflicting information, so was looking for what other vx owners experience is, as I know many SORN their vehicles over the winter.


Edited by Horace, 22 April 2020 - 09:54 AM.


#4 Foxy

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Posted 22 April 2020 - 10:07 AM

It’s not conflicting, that’s an FAQ about cancelling insurance. 
 

No way would I be cancelling my insurance while my car was in someone else’s custody!



#5 Wolfstone

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Posted 22 April 2020 - 10:51 AM

Agree with Foxy. Mine is SORN'd as its in storage but I keep it fully insured. Partly to retain my NCB.

#6 Strugs

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Posted 22 April 2020 - 11:24 AM

If SORN'ed you can cancel your insurance but you don't have to and, as others say, I wouldn't (certainly if not in your own garage..). A lot of insurance companies offer 'laid up' cover though, which is essentially just fire & theft cover..



#7 Horace

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Posted 22 April 2020 - 11:55 AM

ok, thanks for the info.  Will sorn it but won't mention to the insurance company and just keep the policy going



#8 C8RKH

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Posted 22 April 2020 - 02:01 PM

ok, thanks for the info.  Will sorn it but won't mention to the insurance company and just keep the policy going

 

That's all I did.



#9 hairy

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Posted 22 April 2020 - 05:41 PM

If you're insured with Admiral they're giving a refund: https://www.admiral.com/stayathome

 

I wonder if other companies will follow suit?



#10 Carlie@A-Plan

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Posted 13 May 2020 - 07:54 AM

If SORN'ed you can cancel your insurance but you don't have to and, as others say, I wouldn't (certainly if not in your own garage..). A lot of insurance companies offer 'laid up' cover though, which is essentially just fire & theft cover..

 

Spot on...

 

If you SORN your vehicle you don't have to cancel your insurance, cover remains the same but obviously you can't drive it on the road as it's not taxed. It's the other way round that affects them both i.e. if you cancel the insurance then you need to SORN it as it will flag to the the DVLA that it's taxed to be driven on the road but you don't have insurance in place.

 

Some insurances are offering Laid-up cover - but not all of them have the facilities in place to do this so you'd need to check who you are with :)

 

Carlie






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