Discover the benefits of laid-up car insurance or SORN insurance when storing your vehicle off the road or in a storage facility.

Laid-Up Car Insurance or SORN Insurance?

June 12, 2023

Car Storage

Laid-Up Car Insurance or SORN Insurance?

Do you own a classic or sports car or a vehicle undergoing restoration that is not being driven on public roads? You may have come across the terms "laid-up car insurance" or "SORN insurance." This article will demystify these concepts and explain how they can safeguard your vehicle during its time off the road.

What is Laid-Up Car Insurance or SORN Insurance?

Laid-up car insurance, also known as SORN insurance, is a specialised type of coverage designed for vehicles that are stored or kept off the road for an extended period. When a vehicle is declared SORN, it is legally declared 'off the road' and exempt from road tax and the requirement for insurance. However, even when a vehicle is not being driven, it can still be exposed to risks like theft, fire, vandalism, or accidental damage. That's where laid-up car insurance comes in.

Specifics of Coverage:

  1. Comprehensive Protection: Laid-up car insurance provides comprehensive coverage for your vehicle while it is in storage or off the road. This coverage typically includes protection against theft, fire, vandalism, and accidental damage. It acts as a safety net, ensuring your vehicle remains protected from unexpected events that could otherwise cause financial loss.
  2. Theft: Even when your vehicle is not on the road, it can still be a target for thieves. Laid-up car insurance offers coverage in case of theft, providing compensation if your stored vehicle is stolen. This coverage can bring you peace of mind, knowing that your valuable possession is protected against potential theft.
  3. Fire and Vandalism: Storage facilities, like any industrial buildings, can sometimes be susceptible to fire incidents, and vehicles parked outside may also be vulnerable to vandalism. Laid-up car insurance covers damage caused by fire and vandalism, ensuring that you are financially protected in case such unfortunate events occur.
  4. Accidental Damage: While your car is off the road, it may still be susceptible to accidental damage. For example, a neighbouring vehicle in the storage facility might accidentally collide with yours. Laid-up car insurance offers coverage for such scenarios, providing financial assistance for repairs or restoration.
  5. Flexibility and Customization: Laid-up car insurance policies often offer flexibility and customisation options. You can tailor the coverage to suit your specific needs. For example, if you're storing a high-value classic car, you might opt for additional coverage that includes spare parts, accessories, or specialized restoration work.

Conclusion: Laid-up car insurance or SORN insurance is a valuable option for those who store their vehicles or keep them off the road for an extended period of 3 months or more. It provides comprehensive coverage against risks such as theft, fire, vandalism, and accidental damage.

With this specialised insurance, you can have peace of mind knowing that your prized possession is protected, even when it's not being driven.If you're considering laid-up car insurance, it's essential to partner with insurance providers specialising in this type of coverage.

They can guide you through the process, explain specific policy details, and help you choose the right level of coverage for your stored vehicle.Remember, it's crucial to consult with insurance professionals or companies directly to get the most accurate and up-to-date information regarding laid-up car insurance or SORN insurance.