Did you know that from Spring 2011 a new law means that the registered keeper of a vehicle must keep it insured unless they’ve made a SORN (Statutory Off Road Notification)? As Michael Caine might say: not a lot of people know that!
So, if you’re the registered keeper of a vehicle, it must be insured at all times. And this applies to all vehicles, including classic cars and cars kept ‘just for the weekend’. There are, however, two exceptions:
- if you have made a SORN for each uninsured vehicle
- for vehicles that have been kept off-road since before SORN came into force on 31st January 1998, unless they are brought back into use.
This new law applies in England, Scotland and Wales, but does not apply in Northern Ireland, the Channel Islands and the Isle of Man. Since the range of penalties for not having made a SORN in respect of an uninsured vehicle includes a court prosecution with a possible penalty of £1000, it makes sense to SORN a vehicle before its insurance cover expires or is cancelled. So, if you own a motorbike but only insure it for the summer, you’ll need to make a SORN before the cold weather and road salt returns.
If you’re an employer responsible for staff who use their own vehicles for work purposes, you should check that your colleagues are aware of the new legislation.
A free online check can be made to confirm a vehicle is insured, and that its details are on the Motor Insurance Database, on the MID website.
Founder, Bespoke Fleet Road Risks Management