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My dad just sent me a message saying as from March this year all cars that are Sorn or not being used will need car insurance by law ?
Does anybody know if this is true ? And if so what level of insurance will a car off the road need ?
Like most people on here. I have the odd classic car stored away here and there, if this is true I could not afford full car insurance for all of them !
Obviously another Government way to sting the motorist.
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Your message was almost correct, but not quite. Any car that is NOT on SORN needs insurance. If it's not SORN'd but still taxed, you'll have to either insure it or SORN it.
Can't remember how this applies to cars that have been off the road since before SORN came in.
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Oh that's not to bad then. I keep up to date keeping my cars Sorn.
Maybe this means there will be a few more classic cars for sale around March time.
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Your message was almost correct, but not quite. Any car that is NOT on SORN needs insurance. If it's not SORN'd but still taxed, you'll have to either insure it or SORN it. You cannot SORN a car that is taxed. It is either taxed or SORNed, so if you want to lay a car up or sell it whilst you buy/drive another, you have to cash the tax in and SORN it at the same time. Makes selling it even more awkward as the car won't be insured or taxed, therefore the new owner should tax the car before they drive it home (unless they have trade plates). |
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joe90
Yorkshire and The Humber
Posts: 1,027 
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And you don't get the full amount back when you cash the tax in, you loose a couple of quid a month.
Bryan
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sumpcracker
Posted a lot
Yes, I’m still here.
Posts: 1,751
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As two poeple cant insure 1 car, this means you wont be able to buy a car with tax unless its trade?
They will make millions from all the non refunded weeks, and they will be giving fines galore!
Did somone let brown back in?
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CIH
Posted a lot
Posts: 1,466
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As two poeple cant insure 1 car, this means you wont be able to buy a car with tax unless its trade? They will make millions from all the non refunded weeks, and they will be giving fines galore! Did somone let brown back in? Dual insurance isn't end-of-days if it's just a mistake due to circumstance. Knowingly dual-insuring and trying to claim on both policies is what's "frowned upon". Not sure if it's fraud as such but certainly fraudulant. I use to work in car and home insurance and it would happen all the time. Just means a bit more admin to be sorted in the event of a genuine claim. |
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K5
Part of things
Drives Vauxhall Ampera and Kadett E GT and sometimes camp out in our 1988 Classic Hymer
Posts: 579
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They will make millions from all the non refunded weeks, and they will be giving fines galore! Did somone let brown back in? No you all let the Conservatives in!  |
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Retro Classic cars and parts found, bought and sold from Catalunya. PM me for more details.
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As two poeple cant insure 1 car, this means you wont be able to buy a car with tax unless its trade? They will make millions from all the non refunded weeks, and they will be giving fines galore! Did somone let brown back in? I'm not sure I follow that? Someone has a car for sale. It's currently taxed, MOT'd and insured. I buy it. I take out my policy on the car and drive it home. He cancels his policy and updates the DVLA of the sale. How does this mean we won't be able to buy a car unless it's trade? |
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As two poeple cant insure 1 car, this means you wont be able to buy a car with tax unless its trade? My bit - If I want to drive someone else car using the "drive any vehicle" clause on my insurance, the car must be insured in the owners name for my insurance to be legal! ( so it has to be insured by 2 different people - but it would be fraud if I tried to claim off both policies?)I'm not sure I follow that? Someone has a car for sale. It's currently taxed, MOT'd and insured. I buy it. I take out my policy on the car and drive it home. He cancels his policy and updates the DVLA of the sale. How does this mean we won't be able to buy a car unless it's trade? ... or ... my pride & joy is taxed, insured, mot'd (as always - I wouldn't dream of driving anything that wasn't 100% legal) I see a once-in-a-lifetime advert in RR (or maybe just fancy a new car) and buy the new beastie. Once I transfer my insurance onto my new car I have to cash in the tax disk on my (now uninsured) old car. Hence anyone wanting to buy my old car can't drive it away as it's not taxed. Also makes legal test drives impossible when buying a car (eg my old one) as the tax disk will have been cashed in to SORN on the uninsured car. Another bad set of laws - a result of the best of intentions  |
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sumpcracker
Posted a lot
Yes, I’m still here.
Posts: 1,751
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As two poeple cant insure 1 car, this means you wont be able to buy a car with tax unless its trade? They will make millions from all the non refunded weeks, and they will be giving fines galore! Did somone let brown back in? I'm not sure I follow that? Someone has a car for sale. It's currently taxed, MOT'd and insured. I buy it. I take out my policy on the car and drive it home. He cancels his policy and updates the DVLA of the sale. How does this mean we won't be able to buy a car unless it's trade? If you insure it before he cancels, the car has 2 policys- illegal. If he cancels it and the car is still taxed, i assume he gets a fine? Depends how long you get to sort it out. Even if they allow time for the swap, its all good if you find someone who is selling a fully legal car, but a lot of cars I buy / sell are not insured as I'm not using them, hence the sale. Buying a car with some tax on it will become a lot less likely. And how will the dvla/post office cope with this, they struggle to do things well as it is. |
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yet again being blown way out of proportion yes less taxed cars will be sold but so what just means its going to be a little cheaper if it get uninsured drivers off the road it can only be a good thing who knows it may even bring the price of a policy down.you shouldn't even think about only buying cars that are taxed because its easier to get you home without any bother from the police , if you buy a car and get insurance for it before you drive it away you will be fine and if you do get stopped you will have the correct documentation to show the police you have just purchased it and are about to go and tax it at your earliest possible opportunity. i currently have 4 cars 2 sorn'd 2 taxed MOT'd and insured one of my taxed ect cars is for sale the new will make difference to me or anyone else selling a car its insured at the time i own it and will get canceled when i sell it weather the new owner bothers with insurance at the time is the new owners lookout and it not illegal to have an overlap from 2 different policy's from to different people on one car as the person who has just sold the car is not likely to then make a claim on it are they . the car will have paper work verifying it has just been sold/bought |
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sumpcracker
Posted a lot
Yes, I’m still here.
Posts: 1,751
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What your saying is fair/common sense, it wont be used by the law.
1- I don't drive uninsured cars home, its just easier if its taxed.
2- tell the copper what you want, its illegal to drive an untaxed car home on the road, cops will report you to the dvla and you will get fined.
3-It is an offence to have 2 policys listed on 1 car, saying you were not going to claim wont help with the law.
I'm speaking from expierience, ive been in the above tight spots with the law.
As someone said the other day, police used to have a heart, but now its all "computer says no" and fines are issued, the police/dvla seem to be run by accountants now, not the law.
I wouldnt say I'm blowing it out of proportion, its another dig at the motorist.
It wont realy help with uninsured drivers, if they don't insure the car, I doubt they will tax it either.
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What your saying is fair/common sense, it wont be used by the law. 1- I don't drive uninsured cars home, its just easier if its taxed. 2- tell the copper what you want, its illegal to drive an untaxed car home on the road, cops will report you to the dvla and you will get fined. 3-It is an offence to have 2 policys listed on 1 car, saying you were not going to claim wont help with the law. I'm speaking from expierience, ive been in the above tight spots with the law. As someone said the other day, police used to have a heart, but now its all "computer says no" and fines are issued, the police/dvla seem to be run by accountants now, not the law. I wouldnt say I'm blowing it out of proportion, its another dig at the motorist. It wont realy help with uninsured drivers, if they don't insure the car, I doubt they will tax it either. so every time you buy a car you make sure the previous owner has canceled his/her policy on it then and if you do what proof do you that they have done so . yes the police will report you but if you intend taxing it straight away anyway by the time the dvla are notified that it was on the road with no tax it will be taxed and would also be covered by that tax for the time it was driven and no fine will be issued a lot of people who only buy taxed car do so because they think they can get away with driving it home before sorting the insurance if they bother with insuring it at all . all the new law is doing is enforcing a law that already existed it is an offence to keep or drive a car on the public highway without MOT and insurance don't really see a problem with it myself now all they need to do teach 90% of the population to drive and maybe this country might get back to being an ok place to drive in but i doubt that will ever happen |
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I try not to get involved with "he said ... then he said..." but in this case  Nighmaresracing, there are 2 existing laws that you will get prosecuted for  1. having a vehicle on the road (parked, or driving it home after you bought it) which is not taxed. ANPR cameras will also give you a ticket. Worst case - you get stopped and the car is confiscated as you're driving an untaxed vehicle. 2. failure to display a valid tax disk - this is an offence even if the car is taxed and the taxdisk has come unstuck from the windscreen and fallen onto the floor. Argue as much as you want, some police might let you off, others will give you a ticket. (anyone - feel free to pm me if you want a link to Police forum I know of which discusses ways to prosecute for technicalities. Scary stuff  Daysof the police "being reasonable" are long gone ) What your saying is fair/common sense, it wont be used by the law. 1- I don't drive uninsured cars home, its just easier if its taxed. 2- tell the copper what you want, its illegal to drive an untaxed car home on the road, cops will report you to the dvla and you will get fined. 3-It is an offence to have 2 policys listed on 1 car, saying you were not going to claim wont help with the law. I wouldnt say I'm blowing it out of proportion, its another dig at the motorist. It wont realy help with uninsured drivers, if they don't insure the car, I doubt they will tax it either. Agree 100% with your thoughts but would question the detail on a couple of your points. 1. Agree with you, it's the only way. 2. report you or impound your car ( if you're driving an untaxed car - it's illegal ) www.locksheathpeople.co.uk/news/Police-use-new-power-seize-untaxed-cars-Locks-Heath-Fareham-area/story-4488020-detail/story.html or www.autoexpress.co.uk/news/autoexpressnews/210937/road_tax.html or uk.answers.yahoo.com/question/index?qid=20101028035038AAWBJPk3. see the post by CIH above, I don't think it's illegal to be insured twice but you can only claim one one if you have a crash. I would like to think I (& others here) are over-reacting, and the new laws will make life easier and give us lower premiums, but I just don't see it happening SORN was introduced as the solution to remove untaxed, uninsured drivers off our roads. For some reason we still have criminals driving illegally In an attempt to find some relevant pics I found a Bristol 411 that was crushed by mistake  www.dailymail.co.uk/news/article-447704/Crushed-council-30-000-classic-car-parked-legally.html Best wishes everyone, and remember to stay legal  |
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So whats the story then on my 1980 Mk2 1600 Ghia Escort?
Has been off the road for 17 years, (last taxed in 1994 and garaged since)
Car is registered with DVLA as I had to renew the V5 for a V5C, so they know car exists.
BUT, the car was removed from the road BEFORE SORN came into effect (was that about 2002??)
What do I do? I can't declare SORN online, the car won't be put back on the road in the immediate future and will not be used on the road for teh next few years or do I contact DVLA and inform them that I can't declare SORN?
Answers please.....
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crazymonkey
Posted a lot
ummm....what was I doing again???
Posts: 1,981
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Yeah I read about that case back along, wonder if he finally got compensation off of them. And what prat unloads a car like that with a mechanical grab, surely he would notice its an expensive and valuable classic car but obviously he's an inbred.  I hope the guy got compensation for the value of the car and more. |
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whoever said dogs were man's best friend....obviously never heard of cable ties
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OK the people who drive without insurance have been around since it was a legal requirement to to have it. You can put as many laws on the books as you like, they will still do it if they want to. All this is doing id making life a little bit more difficult for those that abide by the law. I wonder how many enthusiasts this will catch out? Also the civilians that have bought a new car, have transferred their insurance and have the old car just sat on the drive?
As for having 2 policies on one car, if I insure it I am insuring me, not anybody else so if somebody buys it and wants to drive it, they have to have a policy of their own.
Bear in mind if you are the reg'd keeper and you cancel the insurance, it's still reg'd to you until the V5 hits the DVLA. If there's no insurance on a taxed car, I would like to bet a fine would be issued. It's not like driving the newly bought car home, then taxing it. You can backdate the tax to the first of the month it's taxed in, you can't do that with insurance and the DVLA know it!
I wonder how often the DVLA will be searching the MID?
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Daysof the police "being reasonable" are long gone 
