jacko
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 posted on 15/3/11 at 05:44 PM |
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Sorn / insurance
I think i know the answer but i will ask
If a car is sorned off road and in a garage does it have to be insured [ Old escort in bits etc ]
i think the answer is NO am i right
Thanks Jacko
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blakep82
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| posted on 15/3/11 at 05:46 PM |
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doesn't have to be no, new rules say if its not sorned then it has to be insured. but that was a couple of weeks ago now. i heard something
about it on the radio last week or the week before, but didn't hear the details on it, so might be different again
________________________
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britishtrident
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| posted on 15/3/11 at 06:03 PM |
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Sorned then no insurance needed,
A lot misleading information is circulation in the press --- Deliberate scare tactics?
[I] “ What use our work, Bennet, if we cannot care for those we love? .”
― From BBC TV/Amazon's Ripper Street.
[/I]
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David Jenkins
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| posted on 15/3/11 at 06:10 PM |
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quote:
Originally posted by britishtrident
A lot misleading information is circulation in the press --- Deliberate scare tactics?
What? Our beloved, honest media? As if that would happen...
Back to the question - I received my tax renewal form this morning and its envelope contained a leaflet about this... basically it's what you
said - if it's SORN'd then no insurance is required.
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karlak
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| posted on 15/3/11 at 06:25 PM |
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I have never sorn'd a car before,
so,, I sorn'd my car which was tax due end of feb. If I re-tax/unsorn it May 1st.. Am i correct in assuming that this will now be my new
yearly renewal date ?
MK Indy - 2litre Duratec - Omex 600 - Jenvey throttle bodies - ETB DigiDash2
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stevebubs
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| posted on 15/3/11 at 06:37 PM |
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quote:
Originally posted by karlak
I have never sorn'd a car before,
so,, I sorn'd my car which was tax due end of feb. If I re-tax/unsorn it May 1st.. Am i correct in assuming that this will now be my new
yearly renewal date ?
Yes (unless you only tax it for 6 months, SORN it and choose a different date to restart later).
[Edited on 15/3/11 by stevebubs]
[Edited on 15/3/11 by stevebubs]
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austin man
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| posted on 15/3/11 at 07:36 PM |
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therfore does that mean if its insured no need to sorn it ?
Life is like a bowl of fruit, funny how all the weird looking ones are left alone
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thefreak
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| posted on 15/3/11 at 08:02 PM |
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When does this come into effect?
Bought a car, it's got tax, it's in the garage but haven't insured it properly yet as I'm not driving it, but dont want to
SORN it because I'll loose the tax (only refund for full months left) and it'll be on the road in the next 2 weeks. Just dont want to give
the theiving b'stds of insurance companies their extorsion money just yet.
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David Jenkins
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| posted on 15/3/11 at 08:05 PM |
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The DVLA leaflet says "From early 2011"...
More info from DVLA
[Edited on 15/3/11 by David Jenkins]
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thefreak
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| posted on 15/3/11 at 08:13 PM |
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Was just going to post the exact same link.
Not really helpful though. Early 2011 is until when? April? Originally when I heard it was coming in, I thought it wouldn't really cause issues,
but what a ball ache having to apply for SORN, loose 1/2 a month's tax, then when you're ready to put it back on the road - 1/2 way though
a month, you loose another 1/2 a months tax as you need to tax it from the 1st.
Theiving gypsies.
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wicket
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| posted on 15/3/11 at 08:33 PM |
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Don't SORN/tax half way through the month, then you don't lose.
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thefreak
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| posted on 15/3/11 at 09:31 PM |
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Which in turn means dont buy a car mid-month if you intend to work on it for a month 
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Chippy
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| posted on 15/3/11 at 10:48 PM |
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quote:
Originally posted by austin man
therfore does that mean if its insured no need to sorn it ?
Sorned has nothing to do with insurance, it's just about not having it taxed, if you don't tax it then you have to/should sorn it,
otherwise the DVLA will send you a little letter and a fine. Cheers Ray
To make a car go faster, just add lightness. Colin Chapman - OR - fit a bigger engine. Chippy
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thefreak
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| posted on 16/3/11 at 11:46 AM |
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quote:
Originally posted by Chippy
quote:
Originally posted by austin man
therfore does that mean if its insured no need to sorn it ?
Sorned has nothing to do with insurance, it's just about not having it taxed, if you don't tax it then you have to/should sorn it,
otherwise the DVLA will send you a little letter and a fine. Cheers Ray
My understanding is it has everything to do with insurance now.
If you have a taxed car, you now need to have it insured.
If you dont want to insure it you need to delcare it SORN. If you dont declare it SORN and dont insure it, but still have it taxed, you get fined.
If it is declared SORN, you dont need it insured... unless you want to. You can still SORN it and have it insured for 3rd party f+t incase someone
breaks into your garage and nicks it. If they do you'll be insured for theft etc
[Edited on 16-3-11 by thefreak]
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Chippy
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| posted on 16/3/11 at 10:26 PM |
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quote:
Originally posted by thefreak
quote:
Originally posted by Chippy
quote:
Originally posted by austin man
therfore does that mean if its insured no need to sorn it ?
Sorned has nothing to do with insurance, it's just about not having it taxed, if you don't tax it then you have to/should sorn it,
otherwise the DVLA will send you a little letter and a fine. Cheers Ray
My understanding is it has everything to do with insurance now.
If you have a taxed car, you now need to have it insured.
If you dont want to insure it you need to delcare it SORN. If you dont declare it SORN and dont insure it, but still have it taxed, you get fined.
If it is declared SORN, you dont need it insured... unless you want to. You can still SORN it and have it insured for 3rd party f+t incase someone
breaks into your garage and nicks it. If they do you'll be insured for theft etc
[Edited on 16-3-11 by thefreak]
If your car is not taxed, regardless of insured or not, then by law it has to be Sorned otherwise as I said you WILL get a fine for not doing
so. If it is taxed then it has to be insured, if that law has come into force.
Cheers Ray
To make a car go faster, just add lightness. Colin Chapman - OR - fit a bigger engine. Chippy
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thefreak
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| posted on 16/3/11 at 11:01 PM |
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It's the change in the law I'm trying to get clarification of.
I've just bought a car. It's taxed for 3-4 months. I organised a 1 day insurance to drive it home, it's now parked in the garage
with a pile of parts being acumulated to be fitted (suspension/race seats/roll bar etc) which is going to take a good few weeks... not months and
months, maybe just the 1.
If I understand the change in the SORN I either need to insure the car that's not going anywhere for the next month or declare it SORN. If I
declare it SORN I get a refund of the tax for any complete month left (the end of this month) but I then need to tax it again when the car's
ready to go back on the road. According to normal tax rules, you pay for the whole month no matter when you tax the car, so if I tax the car a month
from now, I pay for the tax from 1/4/11.
The alternative is I insure the car. I pay insurance for a car that isn't going anywhere for a month, and because my 10 years NCB are all on the
Audi it's not going to be particularly cheap.
So either way, for choosing to have a play modifying this car in the garage, I'll be paying for it one way or another... on top of the actual
mods.
Now, if this change doesn't come into effect until April/May, I'll be fine. But if it's already being enforced now, I need to get
the credit card out.. again.
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PSpirine
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| posted on 17/3/11 at 01:09 AM |
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You seem to have fallen into the gap where you really are worse off.
However, from memory I seem to remember that the first action is them sending you a notification, not a fine. If so, I'd wait for it, as it may
not come until it's back on the road anyway (particularly as "early 2011" isn't very well defined).
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coyoteboy
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| posted on 17/3/11 at 02:51 AM |
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Only prob I have with it is you cant online tax your car if insurance starts at the same time/date, it has to be displaced while the MID catches up.
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Chippy
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| posted on 17/3/11 at 11:14 PM |
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quote:
Originally posted by thefreak
It's the change in the law I'm trying to get clarification of.
I've just bought a car. It's taxed for 3-4 months. I organised a 1 day insurance to drive it home, it's now parked in the garage
with a pile of parts being acumulated to be fitted (suspension/race seats/roll bar etc) which is going to take a good few weeks... not months and
months, maybe just the 1.
If I understand the change in the SORN I either need to insure the car that's not going anywhere for the next month or declare it SORN. If I
declare it SORN I get a refund of the tax for any complete month left (the end of this month) but I then need to tax it again when the car's
ready to go back on the road. According to normal tax rules, you pay for the whole month no matter when you tax the car, so if I tax the car a month
from now, I pay for the tax from 1/4/11.
The alternative is I insure the car. I pay insurance for a car that isn't going anywhere for a month, and because my 10 years NCB are all on the
Audi it's not going to be particularly cheap.
So either way, for choosing to have a play modifying this car in the garage, I'll be paying for it one way or another... on top of the actual
mods.
Now, if this change doesn't come into effect until April/May, I'll be fine. But if it's already being enforced now, I need to get
the credit card out.. again.
Why not just insure for third party fire and theft, that way you would be able to claim if some scrote broke into your garage and nicked any bits.
Just a thought. Ray
To make a car go faster, just add lightness. Colin Chapman - OR - fit a bigger engine. Chippy
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thefreak
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| posted on 17/3/11 at 11:58 PM |
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Current insurer who I've been with for quite a few years (!! I know) wanted £380 tpft for a £1k MX5, with 5k mileage! The comparison sites
managed to get it down to just under £300 fully comp, but when I 'downgraded' to tpft they stuck another £50 on! Go figure
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