New Insurance Law Targets Unused Vehicles

Starting from June 2011, all vehicles must have valid insurance regardless of whether they are in use or not. The only exceptions are:

  • Vehicles with a current SORN (Statutory Off Road Notification – click here for info)
  • Vehicles that have been kept off road since before the SORN rules were introduced (January 1998)

At present, the law only requires vehicles used on public roads to be insured – vehicles can be kept on private land without requiring insurance or a SORN.

The new rules mean that it will be an offence to keep a vehicle off road – even in storage – without insurance if it does not have a current SORN.

This is likely to particularly affect the owners of classic cars, motorhome homes and motorcycles, who often only insure their vehicles for part of the year and store them unused and uninsured in winter.

The new policy is pretty simple – all vehicles must be insured (in use) or have a SORN (not in use). It is no longer possible to keep a vehicle taxed throughout the year but only insured for part of the year.

Penalties & Enforcement

Starting from the 30th June, the DVLA will be sending out Insurance Advisory Letters (IAL) to the registered keepers of uninsured vehicles.

The letters will set out the penalties you will face if you fail to insure (or SORN) your vehicle within a certain timeframe.

These may include fines, clamping and even the eventual seizure of your vehicle, should you fail to insure or SORN it.

How does the DVLA Know If I’m Insured?

The DVLA uses the Motor Insurance Database (MID) to check whether each vehicle registered in the UK is insured. If your vehicle is insured, there will be a record of it on the MID.

You can check whether the MID has a correct record for your car on the askMID website. It is free to use to check your own vehicle.

If you have re-registered your car on a personal registration plate and not notified your insurer, you should do so immediately – your vehicle may show up as uninsured when checked on the MID, as your insurance company will still be using your old registration plate in its records.

One thought on “New Insurance Law Targets Unused Vehicles

  • June 9, 2011 at 4:43 pm
    Permalink

    i am utterly disgusted with the new “stay insured law” at a time when all the insurance firms have put the prices up (what a coincidence??! -but of course they will use other reasons to explain it i mean u didn’t think 4 a minute they will admit any different!!)
    so they put the premiums up and the government instaed of protecting the population is pushing it into their arms and more money into their pockets!!! and all that for just 4% of insured drivers..!!? so 96% will now pay more including the ones who owe more than 1 car and who maybe only used to drive the other car in the summer for example!
    surely there are more than 4% of the population who are multiple car owners (holiday car,summer car,collectors car,etcetera,etcetera) how about the mafia type manouvre of now forcing them to get a all year around insurance???? u will now say : well! they can declare it SORN! How the heck can i declare my car SORN when its sitting outside my house on a public road?? how could my brother do that when his SUMMER HOLIDAYS MPV and caravan is on the road outside his house??? We now have to find somwhere to keep them and pay for that THANKS TO OUR DEAR BELOVED AND WISE GOVERNMENT!!
    MY belief and everyone i spoke to so far is that THIS IS NOT ABOUT THE 4% UNINSURED DRIVERS!! THIS IS ABOUT MAKING MORE PEOPLE PAY FOR WHAT THEY DIDN’T NEED TO BEFORE SO THAT THE INSURANCE COMPANIES CASH IN MORE MONEY AND THEREFORE PAY MORE TAX
    in the old days THE MAFIA people use to force certain people to do things for them by using different “tools” such as a gun knife axl, and intimidation strategies projecting fear .
    nowadays THE GOVERNMENT follows the same pattern using as a tool “the law” which they make or change to their own benefit and purpose! and intimidation strategies projecting fear such as fines, court hearings, cars being impounded and destroyed, etc.

    DISGUSTING!!!!

    PS. WHY DO WE THE PEOPLE NOT HAVE A SAY BEFORE SUCH A BIG IMPACT LAW IS BEING

    Reply

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