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Sorned Car

R

ronk

Lifer
Durham
I have my 35is insured thro a policy with Chris Knott

Will my car remain fully insured while it’s sorned and tucked away in my garage over winter?
 
ronk said:
I have my 35is insured thro a policy with Chris Knott

Will my car remain fully insured while it’s sorned and tucked away in my garage over winter?
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I’d check with the insurer directly if you’re unsure Ron, can’t be any grey areas then :thumbsup:
Rob
 
Yes, better worth checking, Ron
Some companies definitely don't cover you if you SORN your car, oddly. It's not getting used so less likely to be in an accident,yet some don't cover you for it to sit untaxed in their eyes, although it's officially sorn'd.
Go figure.
 
If it's locked away in your garage and NOT covered by any other insurance, worth checking with your house contents insurance, especially if you have an all risks type policy.
 
SV8Predator said:
It will be perfectly fine (insurance-wise) while it is SORNed.

I'm sure the Chris Knott people will respond soon to confirm.
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That's the whole point, why I brought it up on the other thread, with some insurance companies it won't be perfectly fine when sorned, your insurance will become invalid.
 
Scubaregs said:
SV8Predator said:
It will be perfectly fine (insurance-wise) while it is SORNed.

I'm sure the Chris Knott people will respond soon to confirm.
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That's the whole point, why I brought it up on the other thread, with some insurance companies it won't be perfectly fine when sorned, your insurance will become invalid.
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Is that because it would not be road legal by virtue of the fact it has no ved?
 
[ref]ronk[/ref], Tbh I have no idea, came as a complete shock to me when I found out. I used to SORN bikes all the time and it never occurred to me it could have insurance implications.

Someone brought it up on another forum I'm on, their insurers informed them the policy would be invalid if the car was sorned.
Always worth checking with your insurer if unsure, before sorning the car.
 
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.
 
Scubaregs said:
[ref]ronk[/ref], Tbh I have no idea, came as a complete shock to me when I found out. I used to SORN bikes all the time and it never occurred to me it could have insurance implications.

Someone brought it up on another forum I'm on, their insurers informed them the policy would be invalid if the car was sorned.
Always worth checking with your insurer if unsure, before sorning the car.
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Yeah,I was surprised too when I found out,Craig. Hence why I had to change Insurance company two years ago!
Seems odd,as car used less,or not at all,being sorn'd,so why they don't baffles me tbh.
Must be to do with the tax issue as Ron suggested
 
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.
 
Scubaregs said:
It will simply be in their T&C's that they do not insure cars whilst sorned.
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Not picking on you here, but how can you drive a SORNED car for an MOT without insurance? Was just reading the Admiral policy and it is very dubious - you can't insure an untaxed car, but if you don't insure it and it is SORNED it won't be covered for theft.

This is the wording which seems to imply you are insured (source:Admiral):

admiral said:
Benefits of SORN – does a SORN car need insurance?

If you SORN your car you don't have to insure your vehicle, pay road tax (another term for Vehicle Excise Duty or VED) or have a valid MOT – potentially saving you hundreds of pounds.

Additionally, if you SORN your vehicle you’ll be refunded any full months of unused tax you’ve already paid for.

It may also be possible to reduce your (comprehensive) car insurance cover to Third Party, Fire & Theft, or you might be able to get a refund on part of your motor insurance if you suspend the policy.
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This is what it says above that:

admiral said:
Can you insure a car without tax?

No, you can’t insure a car without tax. But the only time your car is allowed to be uninsured is when it’s declared SORN – otherwise, it's a criminal offence for your car to have no insurance.
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[ref]pvr[/ref], I don't make any companies T&C's, I merely highlighted that some insurers will invalidate the insurance if you SORN the car and it is worth checking before doing so. This is a simple fact.

Admiral, from above are saying you do not need to insure your vehicle if SORNED, which is fine as you are not driving it. However it leaves you uninsured for theft/fire/accidental damage etc, pay your money (or not), take your chances.
 
And I read it as that you are still fully insured if you don’t reduce or suspend the insurance.
 
pvr said:
And I read it as that you are still fully insured if you don’t reduce or suspend the insurance.
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You can read it how you like, if the policy T&C's state insurance invalid if sorned.............
 
Not sure what the argument is here really, all anyone has to do is check with their current insurer before sorning their car. Chances are it's fine to do so. There are companies out there that don't allow it under their T&C's so best just to ask.
 
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