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Temporary Car Insurance and SORN

It is now illegal in the UK to keep a motor vehicle, even if it is stored in a garage, that is uninsured, unless a SORN (Statutory off Road Notification) has been made. This has caused a lot of consternation amongst drivers who own vehicles that they drive rarely, including those who own classic cars that they only bring out for the odd weekend when they visit shows or car rallies. The procedure, however, is very simple.

A vehicle which is not insured, and which is not going to be insured in the very near future, must be declared as off the road. The declaration is extremely simple and can be made here.

If it is decided to bring the car back onto the road and the vehicle is insured, either with a conventional policy for a full 12 months or by a temporary car insurance policy, nothing has to be done by the owner regarding the SORN declaration because the details of the policy are entered up on the MID database, and since the DVLA have access to this the SORN is automatically cancelled. However, if and when the current insurance policy expires, it must either be renewed or a fresh SORN declared. Failure to do this will bring initially a warning letter, then a fine and finally the car could possibly be confiscated by the police, taken away and crushed.

Such is democracy in modern Britain. However, the rules have been made with the very laudable purpose of cutting down the number of uninsured cars on our roads; it has been reliably estimated that approximately 5% of the drivers on British roads have no insurance. These people are typically young with a number of convictions already behind them and a high proportion of them are virtually uninsurable already; statistically they are far more likely to be involved in serious accidents than the average driver in their age range so I suppose we must applaud any steps which cut down the risks that they represent to other road users.

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temporarycarinsurance.ws is a trading style of Prudent Plus Ltd of Booths Hall, Booths Park, Chelford Road Knutsford Cheshire WA16 8GS, which is registered in England, company number 10104295.

Quotes are provided by Sky Insurance Services Group Limited with whom we have a trading agreement only and who are authorised and regulated by the Financial Conduct Authority no. 469048. We May receive from them a commission for each policy purchased; this will not affect the premium you pay for your policy in any way.