SORN Car Insurance, Laid Up & Off-Road Car Cover
Insure your SORN or unregistered car for Fire, Theft & Malicious Damage (including damage from attempted theft) with SORN Cover.
What Does a SORN Car Insurance Policy Cover?
If you store an unregistered or laid-up car on private property instead of driving it on public roads, SORN Car Insurance provides the following cover:
Fire, Theft, and Vandalism Protection
Optional ‘In Transit’ Cover in a Trailer or Truck
You can also add optional cover to protect your car when it’s ‘In Transit’, i.e. when you transport it to and from organised shows, events, track days, race meetings, garage appointments, etc:
Get an online quote 24/7 for SORN Car Insurance
Eligible Vehicles for SORN & Laid Up Cover
Our SORN Insurance is available for most private cars, vans or campers and company owned vehicles with a few criteria:
Depending on your car type, value and storage method, we may ask for specific security measures to be in place (on the vehicle, building or access to your property).
You must store competition vehicles (used for racing, track days, or off-road) and classic or vintage cars in a locked building at home or another location.
You can get a SORN Car Insurance quote 24/7 by clicking here or check out our other SORN Vehicle Insurance options.
Do I Need Insurance for a SORN Car?
SORN Cover protects your car whether you have declared it SORN or you only use it off-road (you have not applied for a logbook):
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SORN Car Insurance FAQs
Want to know how SORN Car Insurance works? We answer your frequently asked questions below to clear things up.
Yes. In most cases it will be cheaper to insure a SORN car than buying insurance for road use, as a large part of road insurance premiums relate to third party liability.
SORN Insurance covers fire, theft and malicious damage (including damage caused by attempted theft), but as you’re not driving it, there is no cover for damage to third party property or injury to other people.
Yes. In most cases you can park your SORN car on a driveway or in a private garden, subject to appropriate security.
Yes. SORN Insurance is designed to cover vehicles that are not being used on the road and therefore may not have a current MOT – they must be declared as being off-the-road with the DVLA.
This type of Laid Up Car Insurance provides fire, theft and malicious damage cover, including damage caused by attempted theft, when they are parked up and not being used. If your vehicle is DVLA registered it must be declared SORN and kept on private land.
No, declaring your vehicle SORN (Statutory Off Road Notification) is the only legal way to pause your road insurance. Under the UK’s Continuous Insurance Enforcement (CIE) law, you must insure a registered vehicle at all times unless a valid SORN is in place.
If your car is not SORNed and has no insurance, you face automatic fines and prosecution—even if the vehicle is just sitting on a driveway.