No Insurance while off road - law?
No Insurance while off road - law?
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Discussion

ATM

Original Poster:

21,563 posts

250 months

Wednesday 27th March 2013
quotequote all
My car insurance is expiring soon. I am not planning on renewing this for a while as I dont use the car. Its parked on my drive and therefore off road. It is taxed and has an MOT right now. Do I need to inform anyone like a SORN or is this just for Tax?

andy-xr

13,204 posts

235 months

Wednesday 27th March 2013
quotequote all
You can get laid up insurance, it'll start from about £20 pa, worth it just incase

mrmr96

13,736 posts

235 months

Wednesday 27th March 2013
quotequote all
andy-xr said:
You can get laid up insurance, it'll start from about £20 pa, worth it just incase
Laid up insurance will cover him for fire/theft type stuff, but not for 3rd party cover. The "continuous insurance" law which came in last year (or there abouts) means that cars have to be insured 3rd party (i.e. road risks) if they are not SORN.

So in the OP's case it DOES need to be SORN. Yes it's a PITA. But thems the rules now.

McSam

6,753 posts

206 months

Wednesday 27th March 2013
quotequote all
Though I hear that, in practice, it takes a rather long time for DVLA to start caring, then you might get one warning letter a month for a while, then they might start to threaten some action if you don't do something.. You see where this is going!

So long as it's kept on your private property, I wouldn't worry unless I was planning it for long term. If it's more than a couple of months, then it's worth your time to refund the remaining road tax anyway!

ATM

Original Poster:

21,563 posts

250 months

Wednesday 27th March 2013
quotequote all
mrmr96 said:
andy-xr said:
You can get laid up insurance, it'll start from about £20 pa, worth it just incase
Laid up insurance will cover him for fire/theft type stuff, but not for 3rd party cover. The "continuous insurance" law which came in last year (or there abouts) means that cars have to be insured 3rd party (i.e. road risks) if they are not SORN.

So in the OP's case it DOES need to be SORN. Yes it's a PITA. But thems the rules now.
So do I need to cash the tax in as well if it needs to be SORN?

xRIEx

8,180 posts

179 months

Wednesday 27th March 2013
quotequote all
ATM said:
mrmr96 said:
andy-xr said:
You can get laid up insurance, it'll start from about £20 pa, worth it just incase
Laid up insurance will cover him for fire/theft type stuff, but not for 3rd party cover. The "continuous insurance" law which came in last year (or there abouts) means that cars have to be insured 3rd party (i.e. road risks) if they are not SORN.

So in the OP's case it DOES need to be SORN. Yes it's a PITA. But thems the rules now.
So do I need to cash the tax in as well if it needs to be SORN?
Yes, you can't declare SORN without surrendering the tax disc.

ATM

Original Poster:

21,563 posts

250 months

Thursday 28th March 2013
quotequote all
I started doing this with the online form until I realised they charge £29.

This makes me really angry. To post the stuff is free. Surely by automating this with an online form they could minimise the work they need to do. But they charge us £29 - madness!

busta

4,504 posts

264 months

Thursday 28th March 2013
quotequote all
They shouldn't do. I don't think I've ever been charged for declaring a SORN online?

And you don't have to hand in the tax disc if you don't want a refund. I can't remember exactly how but there is info on here about it somewhere.

ewenm

28,506 posts

276 months

Thursday 28th March 2013
quotequote all
Either SORN it or insure it. If insuring it, I found it was cheaper to insure on very limited mileage than to insure on a "laid up" policy.

mrmr96

13,736 posts

235 months

Thursday 28th March 2013
quotequote all
ATM said:
I started doing this with the online form until I realised they charge £29.

This makes me really angry. To post the stuff is free. Surely by automating this with an online form they could minimise the work they need to do. But they charge us £29 - madness!
Who is trying to charge you £29 and for what? That doesn't sound right to me.

SturdyHSV

10,443 posts

198 months

Thursday 28th March 2013
quotequote all
McSam said:
Though I hear that, in practice, it takes a rather long time for DVLA to start caring, then you might get one warning letter a month for a while, then they might start to threaten some action if you don't do something.. You see where this is going!

So long as it's kept on your private property, I wouldn't worry unless I was planning it for long term. If it's more than a couple of months, then it's worth your time to refund the remaining road tax anyway!
Just to add my experience to this, by the public car park around the building I live in there has been a black FC RX-7 convertible parked there since I moved in. That was over 3 years ago.

It has never moved that I've seen. It isn't taxed. It has had notices stuck to the windscreen saying it'll be gone in 4 weeks, then the notice was ripped off, and still nothing has happened.

It's an auto unfortunately, so worthless hehe

750turbo

6,164 posts

255 months

Thursday 28th March 2013
quotequote all
mrmr96 said:
Who is trying to charge you £29 and for what? That doesn't sound right to me.
Registering a vehicle Sorn on line is free, what is going on here?

richard sails

813 posts

290 months

Thursday 28th March 2013
quotequote all
xRIEx said:
Yes, you can't declare SORN without surrendering the tax disc.
THAT IS NOT TRUE.

There is no requirement to return the tax disc, the DVLA assume that you are going to and make it difficult for you not to, however you are not required by law to do so.

Declare SORN on line (there is no charge) and keep the tax disc. By declaring SORN the DVLA put a marker in their database to note that the car is now SORN'ed.

When the car is re-insured, call the DVLA and they will reinstate the car (& tax disc) on their database, make sure that you tell them that you still have the tax disc.

And before anyone argues with me, I have done this three times in the last couple of years, on two occasions the young person at the DVLA did appear confused with the situation but after a chat with their supervisor were able to sort it out.

If this facility did not exist you would have to pay twice for the same month each time you took the car off the road for a few days, that would be bad.

Regards

Richard

xRIEx

8,180 posts

179 months

Thursday 28th March 2013
quotequote all
Woah, fking calm down. Busta's already said this above.

SS2.

14,712 posts

269 months

Thursday 28th March 2013
quotequote all
When DVLA say one thing and do another, it's no wonder people get confused..

DVLA FOI answer said:
22 June 2012

Dear Rosalind Kellett

Thank you for your request for information dated 4 June to the Driver and Vehicle
Licensing Agency (DVLA) about Statutory Off Road Notification (SORN). Your request
has been handled as a matter of routine business and not under the provisions of the
Freedom of Information Act 2000.

It may be helpful if I confirm that legally SORN should only be made upon expiry or
surrender of a vehicle licence (tax disc). When a SORN is received at DVLA it updates the
current licence details to reflect that the vehicle is now on a SORN and the current tax disc
is no longer in force. Additionally, an acknowledgment letter is automatically generated and
sent to the registered keeper of the vehicle to confirm that the vehicle is off the road for up
to 12 months. Therefore, until the vehicle is re-taxed, the DVLA record will show that a
vehicle is on a SORN and the tax disc, if not sent back to DVLA for a refund, will not be
in force.

DVLA’s vehicle systems were developed to determine that when a tax disc expires or a
refund is applied for, the declaration for a SORN will come into force for the beginning of
the month following the expiry or surrender of the tax disc. A vehicle record will either
reflect that the vehicle is currently taxed or SORN, it cannot reflect both.

When a SORN is made electronically and is not at the end of the tax period, or upon
surrender of a tax disc, our electronic system subsequently automatically reflects the
commencement date as the 1st of the current month in which the SORN was made. This
corresponds to tax applications, SORN begins on the first day of the month and will expire
at the end of the twelve month period.

There is no requirement to check that a vehicle declared as SORN in the mid-month has not
been used on the public road during the beginning of that month, as the system expects that
there is either a current tax disc in force or a SORN for that month.

Finally, you made an enquiry of the Department for Transport on 13 June about uninsured
drivers and SORN. Continuous Insurance Enforcement (CIE) is an additional compliance
and enforcement approach to reducing the level of uninsured drivers. It is an offence to
keep a vehicle without appropriate motor insurance unless it has been declared off the road
with a SORN. The electronic SORN notification in mid month is not as such backdated to
aid uninsured drivers, however, the SORN automatically defaults to the beginning of that
month. The uninsured driver is still liable for the uninsured penalty and has complied with
the law requirement by notifying a SORN.

Yours sincerely

DVLA Corporate Affairs Directorate

richard sails

813 posts

290 months

Thursday 28th March 2013
quotequote all
xRIEx said:
Woah, f*****g calm down. Busta's already said this above.
Busta could not remember where he had seen it, I just re-posted my previous comments.

I am very calm, what's with the swearing?

Pontoneer

3,643 posts

217 months

Thursday 28th March 2013
quotequote all
ATM said:
My car insurance is expiring soon. I am not planning on renewing this for a while as I dont use the car. Its parked on my drive and therefore off road. It is taxed and has an MOT right now. Do I need to inform anyone like a SORN or is this just for Tax?
You need to declare SORN if the car is not insured for third party road risks .

As above , you can get laid up insurance , but the car still needs to be SORN'd if not insured for road risks .

Pontoneer

3,643 posts

217 months

Thursday 28th March 2013
quotequote all
ATM said:
So do I need to cash the tax in as well if it needs to be SORN?
You are meant to - however , they don't chase you to ask them for a refund .

The disc becomes invalid - UNLESS you sell the car , at which point the SORN breaks and 'theoretically' the disc should become valid again . However - this last point is debatable .

Pontoneer

3,643 posts

217 months

Thursday 28th March 2013
quotequote all
xRIEx said:
Yes, you can't declare SORN without surrendering the tax disc.
You can declare SORN online , obtain the confirmation , and just not send the disc off .

But why would you not want a refund ?

ATM

Original Poster:

21,563 posts

250 months

Thursday 28th March 2013
quotequote all
mrmr96 said:
ATM said:
I started doing this with the online form until I realised they charge £29.

This makes me really angry. To post the stuff is free. Surely by automating this with an online form they could minimise the work they need to do. But they charge us £29 - madness!
Who is trying to charge you £29 and for what? That doesn't sound right to me.
Just checked my History

https://www.v5c.org.uk/applicationtype.php?type=4

Hit Next

It says £29 charge