SORN invalidates insurance?!

[M4cruiser]

James B said:

Hi all,

"...as they state that to SORN a car in the UK invalidates insurance..."

I think this is the crux of the failure.

they state that to SORN a car in the UK invalidates insurance

WRONG

It's the other way around.

Stopping the insurance invalidates the tax. That's why you get an automatic fine from DVLA if you do that.

The guy from Admiral's got his kickers in a tweet, or something like that.

[corozin]

The key to your problem is when you mentioned Admiral. They are not exactly one of the best insurance companies. If they are going to be so stupid as to state that SORN = unroadworthy then frankly they don't deserve your father's custom.

[bigandclever]

corozin said:

SORN = unroadworthy

It's more SORN = uninsurable, though it's still incorrect.

[FlyingPanda]

corozin said:

The key to your problem is when you mentioned Admiral. They are not exactly one of the best insurance companies...

Far be it for me to leap to the defence of an insurance company, but I am a firm believer that you only know how good your insurance co. is when you make a claim. Having just had a (fully restored) Land Rover Defender stolen, I have to say Admiral were excellent. It was insured at surprisingly modest cost on a multi car policy, and because it was slightly out of the ordinary with no agreed value, I was preparing for a fight. However, after sending in photos of the restoration (before and after) and various receipts for parts etc, we settled on a very fair value and they paid out within a week. The various good folk from their Cardiff Call Centre who handled the claim were helpful, knowledgeable and efficient.

Sorry, off topic a bit, but just thought I should provide some balance!

[TwigtheWonderkid]

M4cruiser said:

I think this is the crux of the failure.

they state that to SORN a car in the UK invalidates insurance

WRONG

It's the other way around.

Stopping the insurance invalidates the tax. That's why you get an automatic fine from DVLA if you do that.

You've got that wrong. Stopping insurance doesn't invalidate the tax.

It's very simple. If you have it taxed you must have it insured. But if you have it insured, you don't have to have it taxed. Regardless of what some halfwit at Admiral tells you.

To be honest, I wouldn't dream of telling my insurers if I sorned my car but still wanted it fully insured. It's none of their business. There's nothing in my policy that says it must be taxed. My car is covered when it's taxed and I'm not using it. If I go on holiday for a few months and leave it on the driveway. So what odds when it's not taxed and I'm not using it.

What if I lived on a large estate, and decided mid way thru my policy that this car was just going to be used for running around the estate, and not on the road. I'd still want comp cover, in case I crashed it, but wouldn't need it taxed.

[IanA2]

I SORN'd my G-wagen a while back. Informed NFU and requested they reduce cover to F&T for the duration. They happily obliged.

[motco]

Because I didn't intend to use in for a while I SORNed my Westfield and my insurance broker (Backford Bloor) provided 'laid up cover'. The following year A-Plan provided limited mileage fully comp for far less than the laid-up policy!

[M4cruiser]

TwigtheWonderkid said:

M4cruiser said:

...
Stopping the insurance invalidates the tax. That's why you get an automatic fine from DVLA if you do that.

You've got that wrong. Stopping insurance doesn't invalidate the tax.

If you have it taxed you must have it insured. .

Eh? Surely that's the same thing, i.e. "If you have it taxed you must have it insured" and "stopping the insurance invalidates the tax". There's not much difference.