Question about new car insurance / SORN rules

s_b

Andy_L wrote: »

Wow. Every time somebody says this (or similiar) despite the fact that most policies don't say this

i have motor traders policy, can drive nearly anything
im a named driver on wifes policy
now why would i bother doing that and incurring her a £15 bill?:)

paddedjohn

atrixblue.-MFR-. wrote: »

i thought laid up policys were garaged vehicles only? but modifiable with certain insurers to drives or private hardstanding, but must be kept OFF public highways at all times.

its just a security if someone nicked it, or a fire broke out. these type of policies were never designed to have thirdparty risks added them or otherwise what would be the point of it.

either way the policy cert will give you no access to a tax disk as it doesnt have TPR and those like me who cant drive any vehicle registered to the same address as my policy still wouldnt be able to drive it.

If i took my car off the road and changed the insurance to a 'laid up policy' would this negate the need to sorn the car and return the tax?

If so this may be an answer for anyone wanting to sell their old car after buying a new one.

atrixblue.-MFR-.

paddedjohn wrote: »

If i took my car off the road and changed the insurance to a 'laid up policy' would this negate the need to sorn the car and return the tax?

If so this may be an answer for anyone wanting to sell their old car after buying a new one.

would you up the price of a used vehicle to claw back the laid up costs? again this is not a set amount for everyone it will varie person to person, and not everyone has a garage or drive they can put the vehicle in or on to have off the road.

tax is usually short lived on a car that someone intends on selling, would you buy another 6months tax (while still full comp) then laid up insurance to have off the road to sell it. the prospective buyer would not be able to testdrive it even if they had insurance themselfs with the newish terms and cons of driving other cars with thirdaparty needed to inforce on the vehicle. i can see alot of 7 year old + cars being sold to scrapyards because the cost of selling private will be too high.

its a good idea dont get me wrong, but when the tax go's you have to sorn it anyway.

the though of buying a car i cant test doesnt entertain me and i'm surely not going to pay one day insurance prices for the priveladge to do so.

technically as i understand it, the car has to have at least thirdparty risk on it and be taxed, no thridparty risk has to be sorn and tax sent back, with laid up insurance thirdparty risk is not there how would it work?? i know its all MID but pound to penny with this new legislation the MID will now not recognise laid up policy's because they have no thirdparty risks it a loop hole now i bet will be tightened.

paddedjohn

im asking because i really dont know, i only heard about this laid up policy insurance for the first time a couple of days ago and heard it can be very cheap but allow someone with dov on their policy to drive the car and thought it might be a loophole to allow you to keep your car tax to allow testdrives to help you sell your car.

pitkin2020

Andy_L wrote: »

Wow. Every time somebody says this (or similiar) despite the fact that most policies don't say this

Phone your insurer up and ask them to clarify!!

I KNOW that my policy states I can drive other vehicles but the other vehicle must have its own insurance policy. I never said all insurers work this but a lot do. I have not had a policy yet that has stated I can drive an uninsured car using my own insurance, and I have been with a few insurers.

Secondly if it was the general rule that you could drive any car that didn't have a policy on it already and be insured what would stop people having a second car and not insuring it but just using there existing policy!!! Pre new law obviously. My last policy was aviva when I had a second car, there policy said I was covered to drive other vehicles but didn't say it had to be or didn't have to be insured, yet when I phoned them and queried they stated the other car had to have a policy on it and not be owned by me for me to be covered TPFT on a fully comp policy.

A lot of people in this thread have spouted that there policy doesn't mention whether the car needs to be insured but it also doesn't say you are covered if the car isn't insured!! Do as you please its your diving license, as said before some insurers may offer it some don't its that simple.

scheming_gypsy

I just checked an old Admiral policy and they say you can drive other cars on third party but are more concerned that you have a license with no mention about the other car being insured.

forgotmyname

Issue will be the car has been declared SORN and is on the road so a ticket will be issued and you will
have to argue with the DVLA who are never wrong lol.

If your unlucky you wont find a ticket or the car because they have towed it. So you would have to tax and
insure it before getting it back?

Will be some interesting posts about this soon i guess..

Jan1966

Are you between registered keepers if you are selling your car?


The new vehicle insurance law - don't be caught out

If you're the registered keeper of a vehicle, it must be insured at all times.

The exceptions are:

• if you have made a SORN for the vehicle
• if your vehicle has been kept off-road since before SORN came into force on 31 January 1998 – unless it was brought back into use
• if your vehicle is recorded as stolen, passed or sold to the motor trade or between registered keepers
• if your vehicle is recorded scrapped or permanently exported by the Driver and Vehicle Licensing (DVLA)

mikey72

No.
When you have sold the car, the new keeper must either sorn it or tax it, as the existing sorn from the previous keeper becomes invalid.
So between keepers is after the V5 has been changed to the new keeper, after the sale, but before they have declared sorn.
So a period of maybe hours, or a few days at the most.
But either way, after it's been sold, not when it's being advertised.