SORNED/ OFF road cover

[KevD]

Hi folks,

I'm sticking the elise in storage for a year. Henderson Taylor don't offer cover for sorned cars, does anyone know insurers that can offer it?

Thanks,

Kev

[cstrachan]

CCI do a laid up cover.

[KevD]

CCI have a minimum policy of £200 + fees so would be about £250.

"Sorn Insurance" online offered me £137.

Heritage no longer off it for a 1999 car, it has to be older apparently.

Footman james didn't like the mods.

Moris have offered £101.95 but waiting to confirm it.

That's all for S1 elise with value of £8500, thought it might be useful if others were looking for similar in future.

[Dominic]

CCI have a minimum policy of £200 + fees so would be about £250.

I'm only £60 more for fully comp with 6 trackdays inc.

[robin]

It is mad ... if anyone finds a bare minimum cover (third party only SORN insurance - what risk can that represent?) let me know as we may need to SORN a car for a while.

Cheers,
Robin

[KevD]

Went with Morris, £101.50 was the best I could find.

[David]

I tried to reduce my cover to 'laid up' cover on the R400 but the savings just weren't worth it. It does seem odd that a car tucked up safely in a garage is such a high risk but I guess their experience may prove otherwise. Things that don't move, are out of sight and mind, are often the easiest things to steal.

[robin]

I went looking to see what the minimum legal cover is. According to this, it's none:

https://www.gov.uk/vehicle-insurance/uninsured-vehicles

Am I missing something? Provided vehicle is off the road and SORN'd it doesn't need insurance.

[Shug]

No, that's always been the case AFAIK - certainly, I've got a bike SORN'd and off the road without being covered by insurance (it's in a secure remote location, okay, tea-leaves?) and have regularly done it with cars in the past (Elise included at one time)

You only need cover if the vehicle is being used (therefore liable to cause third party damage)

[BiggestNizzy]

Yes my clio is uninsured and sitting in a not very secure location without insurance with the doors open. feel free to steal it, just take a battery and plenty of water.

[Dominic]

I'm sure I had read somewhere a while ago that the law was changing that meant that even if a vehicle was sorned that it had to have at lease a basic minimum insurance policy covering it. Perhaps it was a proposal that never went through

[Dominic]

A quick google later...

https://www.gov.uk/vehicle-insurance/uninsured-vehicles

Looks like okay to be uninsured as long as is sorned.

[robin]

Dom, did you really just post the same link as me

[Dominic]

Dom, did you really just post the same link as me

...must pay more attention!

[robin]

I'm sure I had read somewhere a while ago that the law was changing that meant that even if a vehicle was sorned that it had to have at lease a basic minimum insurance policy covering it. Perhaps it was a proposal that never went through

There was a lot of misinterpretation which is where I picked up on the (non)fact that we were supposed to insure SORN'd cars. The continuous insurance laws did come into effect, but as we both posted, explicitly exclude SORN'd vehicles.

It is a nightmare though, because if you're buying a new car and want to move your insurance over, you need to SORN the other one there and then, which auto-cancels your tax disc ... then you want to drive it from A to B to "offload it on some poor sucker" and you might have thought you could use dayinsure et al to provide the cover required, but no, first you must tax the vehicle ... if you can persuade the post office to tax it with a dayinsure certificate and if you have a spare couple of hours to manage this nonsense.

I have no problem with them towing/crushing untaxed/uninsured vehicles. I do have a problem with not being able to own one, keep it on private land and insure as and when I need to actually drive the fcuk. What a PITA for no apparent gain (other than auto-fining otherwise law abiding people like myself ).

Cheers,
Robin