Van SORN but not declared to insurance company

andymanib

After being notified of a payment to my insurers this morning of a higher denomination than expected I perused the renewal notes to discover while the van (campervan) is SORN, no insurance is needed, my question is: am I owed a refund as insurance has been paid 2 months after being SORN. The payments are taken in instalments via DD 

TIA 

[Deleted User]

No, as you were still insured. It may not be needed, but it doesn't mean it's not a good idea.

If you no longer want the insurance, you need to cancel it, but check it's not more cost effective to keep it going.

MattMattMattUK

andymanib said:

After being notified of a payment to my insurers this morning of a higher denomination than expected I perused the renewal notes to discover while the van (campervan) is SORN, no insurance is needed, my question is: am I owed a refund as insurance has been paid 2 months after being SORN. The payments are taken in instalments via DD 

TIA 

No. Just because it did not mean to be insured does not mean that it was not covered by insurance. If you do not want insurance then you need to cancel the policy and will potentially get a partial refund, less any fees. That of course means your camper van will be uninsured, so if someone damages it, steals it etc. then you will loose out. 

giraffe69

Did you tell them, at the time, your circumstances had changed?

Ergates

andymanib said:

After being notified of a payment to my insurers this morning of a higher denomination than expected I perused the renewal notes to discover while the van (campervan) is SORN, no insurance is needed, my question is: am I owed a refund as insurance has been paid 2 months after being SORN. The payments are taken in instalments via DD 

TIA 

SORN means you can't drive the van on the roads, so you don't *need* insurance for that purpose.  But it doesn't mean your van can't be stolen, damaged or catch fire etc, so the insurance is still valid.   If you had informed your insurance company that your van was SORN, they might have reduced your payments, but they're unlikely to do so after the fact.  

mattyprice4004

SORN is nothing to do with insurance - it's your job to keep on top of this, not the insurers. 
They don't owe you anything, but you can of course cancel the policy if you wish. 

born_again

andymanib said:

After being notified of a payment to my insurers this morning of a higher denomination than expected I perused the renewal notes to discover while the van (campervan) is SORN, no insurance is needed, my question is: am I owed a refund as insurance has been paid 2 months after being SORN. The payments are taken in instalments via DD 

TIA 

Where is van kept?

Given you must have SORN it, then if you did not require insurance then you have to tall them. 

bris

If something happened to the van during this time would you have made a claim? 

bris

born_again said:

andymanib said:

After being notified of a payment to my insurers this morning of a higher denomination than expected I perused the renewal notes to discover while the van (campervan) is SORN, no insurance is needed, my question is: am I owed a refund as insurance has been paid 2 months after being SORN. The payments are taken in instalments via DD 

TIA 

Where is van kept?

Given you must have SORN it, then if you did not require insurance then you have to tall them. 

The whole point of a SORN is offroad on private property or it's not a SORN

born_again

bris said:

born_again said:

andymanib said:

After being notified of a payment to my insurers this morning of a higher denomination than expected I perused the renewal notes to discover while the van (campervan) is SORN, no insurance is needed, my question is: am I owed a refund as insurance has been paid 2 months after being SORN. The payments are taken in instalments via DD 

TIA 

Where is van kept?

Given you must have SORN it, then if you did not require insurance then you have to tall them. 

The whole point of a SORN is offroad on private property or it's not a SORN

I know that, you know that but it appears that many people do not. So if the OP was keeping it on road etc. Then they may just have been lucky.

But as OP has not been back since 22 April at 3:29PM. Will we ever know 🤷‍♂️

redped

This isn't relevant to the OP, but a number of replies here say that a SORNed vehicle is still covered by insurance. There's an ongoing thread on a Z4 forum I frequent, where some people have been told by their insurance companies that their cover isn't valid if their car is SORNed - https://z4-forum.com/forum/viewtopic.php?t=132258
If anyone's got a SORNed vehicle, then it'd be worth checking that it's still covered by any insurance which has been taken out for it.