Simon 3.2M
Senior member
I’m looking to insure my car whilst it’s of the road, can any of you guys recommend anyone in particular?
Laid up / sorn insurance.
- Thread starter Simon 3.2M
- Start date
I'm the same as SRH, there is nothing in my terms about it being taxed, or not, only that the vehicle must be roadworthy which it is. It's kept in the disclosed location on my schedule, being my home garage, whether I choose to drive it is neither here nor there.
I think you would need to check further if you were keeping it in a lock-up or other store that wasn't on your schedule as it would be seen as more of a theft risk. Same also if you start removing the battery (killing the alarm).
I think you would need to check further if you were keeping it in a lock-up or other store that wasn't on your schedule as it would be seen as more of a theft risk. Same also if you start removing the battery (killing the alarm).
Liverpool
Playing Devil’s advocate :evil:
I suppose it might depend on whether your definition of ‘roadworthy’ matches the insurer’s.
If it not taxed, it can’t be driven on the road, so it’s not ‘roadworthy’ in one sense...yes, you can tax it quite quickly if you want to drive it, but it’s not being stored taxed.
I suppose it might depend on whether your definition of ‘roadworthy’ matches the insurer’s.
If it not taxed, it can’t be driven on the road, so it’s not ‘roadworthy’ in one sense...yes, you can tax it quite quickly if you want to drive it, but it’s not being stored taxed.
D
Deleted member 32480
Guest
mmm-five said:
If one thing is a sure as death and paying tax's is that insurance companies will look at every minor detail to avoid paying out.
I think the cost was around 1% of the value of the car plus insurance premium tax when I used to work in the industry (it was 10+ years ago).
I had never given this a second thought until someone mentioned on here that SORN would invalidate your insurance :?
So I emailed my insurer, Admiral who replied -
"We can confirm that your vehicle will be insured whilst your vehicle is declared SORN and has an valid MOT. However, you can even cancel your policy."
So from that, I take it that as long as MOT is valid, I am covered.
So I emailed my insurer, Admiral who replied -
"We can confirm that your vehicle will be insured whilst your vehicle is declared SORN and has an valid MOT. However, you can even cancel your policy."
So from that, I take it that as long as MOT is valid, I am covered.
Simon 3.2M
Senior member
It’s my second M that is for sale, so I am thinking it may be wise to put insurance on her whilst she is stored.
saj77 said:I had never given this a second thought until someone mentioned on here that SORN would invalidate your insurance :?
So I emailed my insurer, Admiral who replied -
"We can confirm that your vehicle will be insured whilst your vehicle is declared SORN and has an valid MOT. However, you can even cancel your policy."
So from that, I take it that as long as MOT is valid, I am covered.
Myself and another member (number5) had long descussions with Admiral last year as they would continue to insure my car when SORN'd, but not number5's. After a few communications and copying of emails they changed there stance with Number5.
As with all things to do with insurance companies it pays to check and not assume.
Simon 3.2M
Senior member
Wise words mate that is why I want specific “laid up” insurance. This means I can’t drive it and if I was stupid enough to and have an accident, then it would be invalid.srhutch said:saj77 said:I had never given this a second thought until someone mentioned on here that SORN would invalidate your insurance :?
So I emailed my insurer, Admiral who replied -
"We can confirm that your vehicle will be insured whilst your vehicle is declared SORN and has an valid MOT. However, you can even cancel your policy."
So from that, I take it that as long as MOT is valid, I am covered.
Myself and another member (number5) had long descussions with Admiral last year as they would continue to insure my car when SORN'd, but not number5's. After a few communications and copying of emails they changed there stance with Number5.
As with all things to do with insurance companies it pays to check and not assume.
I fail to understand why if a car is SORN-ed that it has any impact to the insurance, what was the reason for denial by Admiral? My Golf usually does not even have an MOT whilst SORN-ed, again not seeing the relevance for that as otherwise it would also no be insured the moment it fails an MOT,
Simon 3.2M said:Wise words mate that is why I want specific “laid up” insurance. This means I can’t drive it and if I was stupid enough to and have an accident, then it would be invalid.srhutch said:saj77 said:I had never given this a second thought until someone mentioned on here that SORN would invalidate your insurance :?
So I emailed my insurer, Admiral who replied -
"We can confirm that your vehicle will be insured whilst your vehicle is declared SORN and has an valid MOT. However, you can even cancel your policy."
So from that, I take it that as long as MOT is valid, I am covered.
Myself and another member (number5) had long descussions with Admiral last year as they would continue to insure my car when SORN'd, but not number5's. After a few communications and copying of emails they changed there stance with Number5.
As with all things to do with insurance companies it pays to check and not assume.
Still don’t see why you want specific insurance if your company will continue insurance. The cost of cancelling the policy will probably out way any saving.
