Sorned Car

[ronk]

I’ve just contacted Chris Knott and the agent hadn’t heard of the uninsured If Sorned - he has made and enquiry with the underwriters - They will email me their findings and I will post.

 

[Smartbear]

Would love to understand how they stand legally about that, i.e. what is the tax status got to do with the insurance risk.

I drove the Golf to it's annual MOT, there was no tax on it as you cannot tax it whilst not having MOT.

Maybe it’s because a vehicle sitting unused & in the same place makes it more of an easy target for theft?
Rob

 

[Big Bad Boris]

Doubt it, no self respecting criminal would nick and drive away a car that isn’t taxed, that’s illegal

 

[Smartbear]

Doubt it, no self respecting criminal would nick and drive away a car that isn’t taxed, that’s illegal

Unless he’s going to a pre booked mot test
Rob

 

[PaddyfromStoke]

Aviva
Thank you for choosing Aviva
Hello Patrick,

Thank you for your reply.

We do not provide cover for a SORN vehicle, you would need to cancel your policy.
To cancel online, just follow the steps below:

I’ve checked with my insurance as I always have sorted my E85 during the winter and received this reply today
So don’t think I will bother this time.

 

[PaddyfromStoke]

Sorted my E85 :x

 

[PaddyfromStoke]

Sorned ffs :x :x :x

 

[Mr Tidy]

Sorned ffs

:lol:

That's pretty hopeless service from Aviva - I thought they were supposed to be one of the better insurers!

I certainly wouldn't want to have the car Sorn'd with no cover on it.

 

[Nanu]

I'd definitely check with Chris Knott just to be sure.

Im my 30+ years working in the UK General Insurance industry I never saw a Household policy that didn't exclude motor vehicles.

They always do as with most items if they are covered by another policy, such as motor insurance. However if the vehicle is not covered then it may be a different story.

 

[Nanu]

Doubt it, no self respecting criminal would nick and drive away a car that isn’t taxed, that’s illegal

 

[ronk]

Chris Knott came back with the reply that I didn’t want to hear:-

Further to our conversation in connection with the above policy and sorning the vehicle over the winter months. Your insurer Highway have come back advising, they normally don’t cover SORN or laid up vehicles. One of the reasons is they are giving comprehensive cover when this is not needed. Cover should be downgraded to something like accidental damage + fire and theft , fire and theft cover only or a laid up policy, unfortunately they don’t have these cover types available.

They have agreed to continue cover up until your renewal date on the 10/03/2021 at that point the policy will expire. We will at that point need to look for a new provider for you.

I should add that Chris Knott came back with an answer the very next day. I think it’s bonkers, I wasn’t looking for a lower premium.

The car won’t be out on dark , cold wet slippery nights for anyone to slide into me . It’ll be in a warm locked alarmed garage!

I’m confused (no insurance pun intended)

 

[Scubaregs]

I’m confused (no insurance pun intended)

I'm More Than Confused, pun intended. :wink:

 

[pvr]

“They are giving comprehensive cover when not required”. Why do they care if that is what the customer wants? I always SORN two cars over winter, just for the tax reasons only.

 

[ronk]

My car is only sorned because I don’t want to use it in the cold winter months - the other car is more suitable and we can manage a one car household these days

Do they want me to use car, bend it then hike premiums for the next five years or more. That’s me being cynical?

I thought I was buying Comprehensive insurance to protect my asset in all eventualities. Because I’m looking after it and reducing risk I’m being penalised

The insurance company will allow cover this policy - perhaps I should just cancel?

 

[Mr Tidy]

I'm pretty disappointed by the response you got from Chris Knott ronk as my M is insured through them, albeit with Aegeas rather than Highway. :thumbsdown:

Don't they realise a car laid-up off the road is far less likely to be subject to a claim? :? And there is no potential for any expensive Third Party claim if you don't use the car!

 

[enuff_zed]

I'm impressed that a thread on an owners forum which basically exists for the advantage of the insurance company, has not generated a single comment from them in 3 days. :roll:

 

[Argyll Andy]

I'm impressed that a thread on an owners forum which basically exists for the advantage of the insurance company, has not generated a single comment from them in 3 days. :roll:

Me too, I’d be astonished if they didn’t search their name on here daily incase there’s any business coming from it.

I also must say I’m very surprised at the stance of some insurance companies. I’d personally have thought in a circumstance like the OP’s where they have a £30k liability that their risk would be dramatically reduced when that asset is sitting in a locked, heated and alarmed garage for half the policy term than taxed and then their liability is a 340 bhp car flying about in rain/ice/snow, just doesn’t make sense to me.

 

[ronk]

I’m going to check my insurance documents when I get home on Tuesday.
If indeed it does show I am not insured while sorned, I think a letter to the insurance company is in order.

To be fair, Chris Knott asked the underwriters and it was them who said no.

I do think tho that the Nature if there business represents an
enthusiast base - the cars are looked after/cosseted and often sorned for a multitude of reasons.

 

[Pondrew]

None of this makes any sense. Surely any policy should just automatically 'downgrade' to fire and theft if a vehicle is SORNed?
If you drove a vehicle on the road which is SORNed, that would only be illegal from a road tax point of view, not insurance.
So these insurers are saying that if you SORN your car, you should cancel your existing policy and get a new one for fire and theft? Then when you tax it again, you cancel that policy and get another one? Sorry but that is f*cking stupid. Sounds like another money making scam by the insurers, again! :x

 

[Pondrew]

I'm impressed that a thread on an owners forum which basically exists for the advantage of the insurance company, has not generated a single comment from them in 3 days.

Maybe because there's no money in it for them? And they would get a grilling in public? :roll: