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Thread: To SORN or not to SORN? Reply to Thread
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  Topic Review (Newest First)
31-03-2020 14:28
powerplus hi

all just had some information confirmed by comfort insurance



Comfort header with email1
Coronavirus Ė Customer Information On SORN and MOTs
Coronavirus

Dear Comfort Insurance Customer,

The Coronavirus has resulted in restrictions being placed upon movement of people and vehicles. A number of you have been asking us about SORN and the impact of the recently announced MOT extension period on your insurance arrangements. In response, weíve put together some information that you may find useful.

What Happens If I SORN My Vehicle?

As the spread of the Coronavirus reaches pandemic proportions, you may be considering applying for a Statutory Off Road Notice (SORN) particularly if you have no immediate plans to use your vehicle on the road.

Once the registered keeper of the vehicle has made a SORN, whilst there is no longer a legal requirement to insure the vehicle, you can maintain your Comfort Insurance motor policy. In fact, because motorhomes and campervans are highly expensive, with the typical price being in region of £60K-£70K, it is highly recommended that fully comprehensive motorhome insurance cover is maintained at all times, even if you have no immediate intention of taking your vehicle out on the road. There are several key reasons for this recommendation:

Vehicle Damage Ė Should your motorhome or campervan be damaged whilst itís off the road, youíll still need insurance cover to get it repaired.

Theft Ė Vehicles left unused for extended periods of time are sadly targets for thieves. Without insurance cover in place, should your vehicle be stolen or damaged whilst someone attempts to steal it, then youíll be out of pocket. If your vehicle is being purchased on credit, the credit company will insist that the vehicle is comprehensively insured. If your vehicle has been purchased on credit and itís not insured and it is damaged or stolen, not only will you have to pay for the loss yourself, youíll continue to be liable to pay any outstanding finance on the vehicle.

Storage Site Requirements Ė Many off-site storage facilities stipulate in their terms and conditions that you must maintain insurance whilst your vehicle is being stored. This is to protect you should your vehicle cause damage to somebody elseís property whilst on site.

Additional Benefits Ė In addition to providing cover for your motorhome or campervan, your Comfort Insurance policy includes cover for accessories e.g. awnings and generators and also legal expenses cover. These additional covers are of benefit to you even whilst your vehicle is being kept off road.

Keeping your vehicle secure whilst itís off road
Whilst your vehicle is off road, we highly recommend that you review your vehicle security arrangements to help prevent it being stolen.

To read this and other blogs please click here

Coronavirus Ė What Happens If My Motorhome Or Campervan MOT Is Due From 30 March 2020?

Due to the Coronavirus pandemic, the Driver and Vehicle Standards Agency has announced that car, van or motorcycle MOTs due from 30 March 2020 will automatically be extended by 6 months. If you have a Comfort Insurance Policy covering either your motorhome or campervan and your vehicle MOT is due on or after the 30 March 2020, provided that you continue to maintain your vehicle in a safe condition your insurer will treat your vehicle as if it has an MOT and will, subject to the terms and conditions of your insurance policy, deal with any claim. This situation will continue for the duration that the Driver and Vehicle Standards Agency continues any extension.

You are recommended to check the Driver and Vehicle Standards Agency for updates.
31-03-2020 11:25
Devonboy SORN activated yesterday, on-line, one of the benefits for paying monthly by DD is that the DD is cancelled & no issues with refunds. Simple to set up again when travel restrictions over.

C&MC Insurance was also renewed yesterday, they were happy with SORN status & the fact that the MOT expires 19th May subject to the government statement regarding 6 month extension. This was based on the assurance that the van is parked off-road on a private drive not the public highway.
31-03-2020 07:15
raynipper My HGV renewal was due to be renewed last week with a new medical but as now in Lockdown I dare not even try to go see a doc.

Ray.
30-03-2020 23:51
sampvt My MOT ran out yesterday the 29th. Today the 30th I would have got 6 months grace, just my luck.
29-03-2020 21:54
Stanner
Quote:
Originally Posted by Mrplodd View Post
Donít know if anyone has already posted this but SOME insurance companies will only provide cover (i.e. pay out in the event of a claim) if a vehicle has a current MOT

Worth checking the policy small print for such a clause!

Andy

"............................ and much more importantly has current VED."


I think that assumes an accident with another vehicle on a "public highway".


Fire or theft claims when parked or stored on private land would be a completely different matter.
29-03-2020 18:39
Penquin Agree totally, ASK FIRST JUST TO BE SURE.

I suspect insurance companies will be being asked that question, or the question about MoT status a great deal more than usual at present.....
29-03-2020 14:25
Mrplodd
Quote:
Originally Posted by Penquin View Post
Pedantic question, to which there is probably no answer but, if you have SORNed your vehicle have you not complied with the regulations as regards VED ? For that time, while it is off the road, it is rated at zero and you have paid that.

As I said, probably not a specific answer but it's just a thought and of course, insurance companies may be a law unto themselves and if it's in the terms then they would say it applied. It would probably have to be a High Court ruling to overturn as "unreasonable ".......

.
Hey I donít make the conditions some insurance companies put in their Tís & Cís! I was merely trying to point out that itís worth checking first.
The wording is, I believe, that the vehicle must have current VED paid. If itís sorned then there is no VED to be paid. Like I said, worth checking.
Many (most?) insurers do the same in respect of the vehicle having a current MOT. NOW if itís been sorned and the MOT runs out during the SORN, How would you get on for insurance if driving it to a pre-arranged test (and were involved in a collision) would you actually be insured?? A far fetched scenario, but one that is possible.

Like many things in life itís worth checking first rather than be in the (theoretical) position of saying ďWell I THOUGHT I was insuredĒ whilst looking at the burnt out shell of a MH on your driveway.

A dy
28-03-2020 12:59
Penquin We have sudden
Y had an influx of MH around a small pond about 1 km from us, no idea whether they are frustrated French owners or itinerant workers about to do some work on the adjacent fields

But, they are there so we will keep our eyes peeled.....
28-03-2020 12:44
JanHank
Quote:
Originally Posted by JanHank View Post
Germany is not in a full lockdown. As long as the public adhere to the rules then hopefully we wonīt be.
I may have to withdraw that, I have noticed strangers in our village, probably visiting from Berlin and as far as I know there is only one case of the virus close to me in Wriezen which is about 14 km. from here. Not that these strangers will affect or infect me, but whoever they are staying with, and I would guess with people in flats at the end of my road.
28-03-2020 12:39
Penquin
Quote:
Originally Posted by Mrplodd View Post
Donít know if anyone has already posted this but SOME insurance companies will only provide cover (i.e. pay out in the event of a claim) if a vehicle has a current MOT and much more importantly has current VED.

Worth checking the policy small print for such a clause!

Andy
Pedantic question, to which there is probably no answer but, if you have SORNed your vehicle have you not complied with the regulations as regards VED ? For that time, while it is off the road, it is rated at zero and you have paid that.

As I said, probably not a specific answer but it's just a thought and of course, insurance companies may be a law unto themselves and if it's in the terms then they would say it applied. It would probably have to be a High Court ruling to overturn as "unreasonable ".......

.
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