Do I need to insure my car?

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  1. Do I need to insure my car? 
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    My previous car was a 1999 E46 but I haven't sold it yet, I'm still the registered keeper and it is taxed until Apr. I recently read that the law has changed regarding insuring unused cars; that unless the car is decalared SORN, it must be insured at all times. Does this law still apply since I'm keeping my car on private land? This law seems a bit nonsensical as an insurance policy only covers you so long as the car is subject to the RTA, if a car is on private land then the the RTA does not apply to it.

    I'm not ready to sell the car yet as I'd like to do a few repairs first and it would cost a bomb to insure it.

    Cheers
    Jay
     
     

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    Yes mate all cars with a valid road tax must be insured
    You will have to sorn if the is no insurance on it and send the tax back for a refund
     
     

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    Cheers bud. Still can't see the sense in it though. SORNing it dosen't make it any less of a liability, surely.
     
     

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    Quote Originally Posted by y2keable View Post
    Cheers bud. Still can't see the sense in it though. SORNing it dosen't make it any less of a liability, surely.
    its to stop people driving uninsured cars on the road
     
     

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    I understand that. However, driving an uninsured car and keeping and uninsured car are now seperate offences. Apparently, if your car is taxed (shows on the tax database) but does not show on the insurance database, a court summons will be sent to the registered keeper.
     
     

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    That is correct - using a car on the road whilst uninsured, and being the registered keeper of a vehicle that is uninsured are separate offences. However, you only need to complete a SORN and you are off the hook for both as long as the vehicle is kept on private property.
     
     

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    Private land doesn't stop you putting the key in and driving off, I think that's where they are coming from.

    Just SORN it...retax it later, my motorcycle is SORN, it's smashed up from being hit but still..doesnt stop me retaxing it later...

    If you have just taxed it you can get refunded the remaining tax by taking your disc back in, might not be exact but at least you wouldn't have wasted 100% of the tax money.
     
     

  10. Insurance 
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    I have a second car that I only use once in a blue moon, it too is kept on private land and I mainly just tweet it and modify it. I got insured by Keith Michaels and they were the best deal I could find.
     
     

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