Phone for a quote: 01480 484826

Laid Up/SORN Cover

We understand that sometimes it is necessary to take a vehicle off the road. This might be because restoration work is required or it may be that you simply want to garage the vehicle during the winter months.

For the period that your car is not parked on a public highway and no mileage is put on the clock, you can apply to the DVLA for reimbursement of your road tax whilst declaring it as SORN (Statutory Off Road Notification).

All cars in the UK not declared SORN (Statutory Off Road Notification) need valid insurance. This aims to reduce the number of uninsured vehicles on our roads by linking the records of the DVLA and Motor Insurance Database (MID). Uninsured drivers inflict a major financial burden on other motorists, estimated at £380 million each year or around £30 of the cost of each insurance premium (source: – uninsured driving). If you have not taken out insurance cover for your vehicle or declared it SORN you will receive a letter warning you that you could be fined as part of the ‘Continuous Insurance Entitlement Scheme’.

Our Laid Up classic car insurance policies mean you could pay less for your insurance to reflect the fact you are not driving the car but still want your car insured for fire and theft. Providing the car is garaged, we will provide a discounted price while your vehicle is laid up and declared SORN.

An alternative to laid up insurance cover is to suspend your insurance policy for the period your car is declared SORN and not used. Simply give us a call at the time you want to lay up your vehicle and again when you would like to re-instate the insurance to the original level of cover. Upon renewal of the policy you will be reimbursed for the premium (normally calculated on a pro-rata basis) for the period of cover of which your vehicle was laid up. Only a few insurers offer a suspension facility so if you think this is the best option for you, please check it is available prior to purchasing your insurance.

We regret to advise that we are currently unable to offer premiums for laid up policies via our online service. Please call us on 01480 484826 for our best deal on laid up insurance.