SORN/insurance - I'm confused...

[alteredracer]

Hi,

I'm hoping someone can help answer a questions I have relating to the SORN/continuous insurance rules that are now in place.

I/hubby have a vehicle which runs out of tax at the end of September, and the insurance runs out this Friday. We've SORNed it online, & the website states that the SORN starts on 1st October. This I understand.

Where my confusion comes in is that because the current tax doesn't expire until end of Sept, when the SORN starts, do we really have to insure it for just 2 1/2 weeks to avoid a fine? The current insurers won't extend cover for such a short time, and charge a hellish admin fee for partial cancellation if we renew for a year. As it's a fairly unique vehicle (one off build) it took some while to find an insurer that would cover it at all, so shopping around isn't a viable option.

I usually consider myself pretty savvy, but this has got me stumped - what do we actually need to do here?

BTW - vehicle in question definitely will not be used on the road in the foreseeable, it's broken & the MOT has recently run out

Thanks for any help, I'm truly having a blonde moment here...

[V8forweekends]

You can declare SORN at any time - so declare it SORN now.

[B'stard Child]

V8forweekends said:

You can declare SORN at any time - so declare it SORN now.

^ exactly

Plus DVLA don't give refunds on less than two full months VED so once the SORN is in place for insurance you don't need to worry about the VED implications

VED runs out but Insurance still in place

Action = SORN for the VED aspect

(when insurance runs out renew or not it doesn't matter as vehicle is already SORN from the VED aspect so complies)

Insurance runs out but Vehicle is still has unexpired VED

Action = SORN for the insurance aspect

(Surrender the VED for a refund if longer than 2 months or let it expire on it's own with no refund claimed it's your choice)

[alteredracer]

Oh dear, I do feel a bit stupid now

Have just downloaded the V14 form & will put it in the post tomorrow...

[B'stard Child]

alteredracer said:

Oh dear, I do feel a bit stupid now

Have just downloaded the V14 form & will put it in the post tomorrow...

Please don't feel stupid - it's a simple process made more complicated by using the SORN process for two purposes and instructions provided by DVLA so nothing is made easy or simple

[alteredracer]

You're very kind. Thank you

Is now a good time to mention that I look after a fleet of 50ish vehicles as part of my job... I really should know this!!

The DVLA don't help to make things clear though, if I can get baffled by the process then heaven help someone who isn't familiar with the system at all.

[B'stard Child]

alteredracer said:

You're very kind. Thank you

Is now a good time to mention that I look after a fleet of 50ish vehicles as part of my job... I really should know this!!

How many times are they ever uninsured or have expired VED, I'm betting not very often