Sorning a car

[Black_S3]

I'm just about to sorn a car as it wont be used again till April, for some reason I've got it in my mind that if its sorn I have to cancel the insurance - is this the case? Ideally I'd like to keep it with at least fire and theft insurance but I only want to tax it April - September....

Thanks!

[TooMany2cvs]

Black_S3 said:

for some reason I've got it in my mind that if its sorn I have to cancel the insurance - is this the case?

Nope.

You can't have a taxed, uninsured car. Any other combo is fine.

[Black_S3]

Thanks 2cvs

[Old Merc]

It's always advisable to keep the car insured while it's on SORN. You never know what may happen to it.

[vsonix]

No point in cancelling the insurance. What if it spontaneously combusted or a tree fell on it while it was parked?

[InitialDave]

Yes, it's fine. I have a car on SORN but still insured at the moment.

[MarcelM6]

In similar situation, but always keep car insured. In case of garage fire or collapse....

Out of interest, what would happen to any NCB if stopping insurance and restarting after 6 months?

[InitialDave]

MarcelM6 said:

In similar situation, but always keep car insured. In case of garage fire or collapse....

Out of interest, what would happen to any NCB if stopping insurance and restarting after 6 months?

Depends on the insurer, I suppose. I expect most would say that your NCB is however many whole years you have. Start a policy with five, stop it after six months, still five years NCB.

[QBee]

anonymous said:

[redacted]

Been there......Christmas 2014 the Audi A8 had terminal electrical problems, the Mercedes ML I kept as backup and for towing lost track of its crankshaft position, so the only working car we had for nearly three weeks was the good old reliable TVR.

[grumpy52]

InitialDave said:

MarcelM6 said:

In similar situation, but always keep car insured. In case of garage fire or collapse....

Out of interest, what would happen to any NCB if stopping insurance and restarting after 6 months?

Depends on the insurer, I suppose. I expect most would say that your NCB is however many whole years you have. Start a policy with five, stop it after six months, still five years NCB.

Most insurance companies accept NCD up to two years after your last insurance, make sure you get proof of NCD .
Only full years count towards NCD .
I have done this as I have recently stopped driving because of health issues but would hope to return in the not tòo distant future .

[av185]

TooMany2cvs said:

You can't have a taxed, uninsured car.

Wrong.

Your car is taxed and insured. And then the insurance expires or you cancel it.

It is then taxed but uninsured.

[DocJock]

You may want to look up Continuous Insurance Enforcement.

"As part of the Continuous Insurance Enforcement (CIE) legislation, it is an offence to be the keeper of a vehicle without insurance unless you have notified the Driver and Vehicle Licensing Agency (DVLA) that your vehicle is being kept off the road using a Statutory Off Road Notice (SORN)."

[TooMany2cvs]

av185 said:

TooMany2cvs said:

You can't have a taxed, uninsured car.

Wrong.

Your car is taxed and insured. And then the insurance expires or you cancel it.

It is then taxed but uninsured.

My apologies. Yes, it is physically possible - but, as DocJock points out, it breaches the Continuous Insurance regs that have been in place since the summer of 2011. I should have said "You can't legally have a taxed, uninsured car."

BTW, you forgot that it is also possible to just buy tax for an uninsured car, since the insurance check was discontinued in December 2013. Still not legal to do so, though.

[Black_S3]

MarcelM6 said:

In similar situation, but always keep car insured. In case of garage fire or collapse....

Out of interest, what would happen to any NCB if stopping insurance and restarting after 6 months?

Thanks all for the answers.

As far as I can gather you would never build up no claims and any that you were using would expire (iirc after 2 years?) as you'd never get a new certificate. Doesn't really effect me as mines a kit car and no insurers seem to recognise no claims, also the policy is so cheap that NCB is irrelevant and the admin costs for canceling would be near equal to the refund for 6 months.... I'll be sorning it and leave it insured.

[QBee]

Good idea - still protected against theft or the garage burn8ng down.