04-01-2020, 06:29 AM | #23 |
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People might know this but most comprehensive car insurance policies do not cover a SORN’d car. They deem a car with no tax as ‘unroadworthy’. The potential implication is if the car is stolen or damaged on the drive the policy won’t cover it and SORN’ing a car might invalidate the policy instantly as most don’t automatically downgrade the cover to fire and theft. There is specific ‘laid up insurance’ you can take out for a SORN’d car but worth checking your insurance.
Old thread from PH as an example - https://www.pistonheads.com/gassing/...f=23&t=1630933 |
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04-01-2020, 10:34 AM | #25 | |
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04-01-2020, 01:53 PM | #26 |
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I’m all for driving the car maybe every 2 or 3 weeks and won’t be Sorning any of ours.
But what about cars that are sat in dealerships for sale for months? Other than a battery charge, do these cars ever get driven in this time? Probably not, well not for any length of time. I guess these cars don’t suffer any issues? Back in 2016 my M3 had to have a diff replacement on a recall at 1 month old and was stood at the dealership for 9 weeks (as ukbeemerboy knows as he was my service advisor at the time. ). The car drove fine after I picked it up.
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04-01-2020, 05:59 PM | #28 | |
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A car does not become ‘unroadworthy’ if it’s SORN. If it has a valid MOT, it is very much ‘roadworthy’. You obviously can’t drive a car that is SORN, and you can’t park it on the highway either. You don’t even need to notify your insurance company if you SORN a car. It has no bearing on the insurance. |
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04-01-2020, 06:04 PM | #29 |
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My insurance states 'vehicle must be taxed and have a current MOT. Got the MOT done yesterday not due till the 12th, if it has to sit for a while thats fine, im more worried that the insurance won't pay out if a jolly fellow decides to take it for a fun drive without my consent
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04-01-2020, 07:42 PM | #30 | |
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I’m speaking from experience about this only a few months ago with a big UK insurance provider so trust me - it can have a bearing on your insurance. I’ve got a classic car that I had SORN’d and when it came to renew the policy I had an issue due to it having no tax (I assume when I rang to renew they must have checked online regarding tax status etc) and that came as a complete surprise to me. I never said you need to inform your insurance - you don’t legally need insurance for a SORN’d car - but that’s doesn’t mean it has no bearing if someone were to steal or damage the car whilst it was SORN’d it could mean you are not covered on an existing fully comp policy hence why specific policies exist for SORN’d vehicles and insurance companies don’t need much of an excuse to wriggle out of things. Most comprehensive policies state a car must be taxed at all times (ie intention to use it on the public road) in the small print and the conversation I had reflected that ‘roadworthy’ to them means it’s ‘road legal’ and no tax may fall foul of this as fully comp insurance generally requires a car to be road legal. If this was never an issue then “laid up insurance” wouldn’t exist and be a product that’s specifically underwritten for the purpose of SORN’ing a vehicle. Some comp policies might automatically ‘downgrade’ your policy to fire and theft but a lot won’t hence where the potential issue arises. As per the PH thread, the opening gambit states Admiral declared the policy void and most people would be unaware of that whilst not deliberately doing anything wrong. The PH thread explains that Admiral deemed SORN’ing as no insurable risk if the intention is not to drive it so a fully comp policy may not now be underwritten and they don’t sell insurance for storage purposes which is exactly the same conversation I had. I took a policy we these guys whilst I sorted things out - http://www.sorninsurance.co.uk/ I think we can all agree that insurers are rarely on our side. I would just advise checking that’s all and getting a laid up policy if needed as I would hate for someone to fall foul of it especially in these hard economic times and with the rise in car thefts. Last edited by UK_; 04-01-2020 at 08:35 PM.. |
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04-01-2020, 07:51 PM | #31 |
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Why? Do you not follow the news? ..If your MOT was up on 12th April it was extended 6 months now and expired on the 12th October. Obviously yours now expires 12th April 2021 due to you getting a new one yesterday, so you’ve lost the free 6 months MOT extension the government gave everyone who’s MOT expires after 30/03/20.. ah well.
https://www.gov.uk/guidance/coronavi...-30-march-2020 |
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04-02-2020, 06:56 AM | #32 | |
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04-02-2020, 09:51 AM | #33 |
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The extension from the government is a valid extra 6 months MOT, there is absolutely no risk Regarding the new expiry date you receive and insurance cover.
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04-02-2020, 11:10 AM | #34 | |
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04-02-2020, 11:15 AM | #35 | |
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04-02-2020, 11:28 AM | #36 | |
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If you forget to MOT your car and drive around for a few months then realise your mistake and take your car in for an MOT you still get 12 months from the date of the new MOT it doesn’t start from when it expired .. I know someone who actually accidentally did this. |
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04-02-2020, 11:47 AM | #37 | |
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04-02-2020, 11:51 AM | #38 | |
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04-02-2020, 12:21 PM | #39 | |
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Tbh if it did have any issues like ceased brakes or not starting it was in the right place for that to be sorted.
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04-02-2020, 12:30 PM | #40 |
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Thats fine, i am a key worker and use the car most days. What the government say and how that is interpreted by individual insurance companies could ultimately result in a claim not being paid, for me that is a risk, and one im not willing to take. For the price of an MOT and if it keeps a local garage going im happy to to sacrifice 6 months free for peace of mind. Each to there own
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04-02-2020, 12:52 PM | #41 | |
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Just to add, If anyone (including insurance company) checks the MOT status of the car online it will simply show it expires on its new expiry date in October. It wont have something in big neon lights saying this car has had its expiry date extended by the government due to the virus! If you want to worry about non existent scenarios though that’s up to you |
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04-02-2020, 02:14 PM | #42 | |
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My work van still says it’s MOT runs out 13th April online. Does it show extended online after the expiry date?
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04-02-2020, 02:42 PM | #43 | |
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I’ve made my mind up using the fact that you get at least a minimum of 12 months after every MOT test regardless of when the expiry date was. As already explained I could in theory let the MOT expire by a few months before getting it done (although risky) and still get 12 months on the new one thus giving the car a new expiry date any time I choose to. ANY new MOT is valid for a minimum of 12 months from the date it passes even if you had left it 6 months past expiry date. |
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