The law says that you must normally have at least third party motor insurance if you drive or own a vehicle. You must also have insurance if you leave it parked on the street, on your driveway or in your garage. You don’t need motor insurance if: you have a valid Statutory Off Road Notification (SORN)

Can you park your car on the road without tax?

Yes. The law states that a registered vehicle being kept or used on public roads must be both taxed and insured. You don’t need to tax your car if you’re not driving or parking it on a public highway. Driving a car that has been declared SORN is a more serious offence than purely driving without tax.

Can I keep a SORN car on my driveway?

Declaring your vehicle off road with a SORN means you’ll not be able to drive or park it on a public road. Your vehicle will need to be kept in a garage or on private land, like your driveway.

Do you need insurance if your car is parked on public land?

‘Parked’ vehicles now need insurance. If the vehicle is on public land it could then be clamped, seized and destroyed. Alternatively, court action could be taken with the offender facing a fine of up to £1,000. Vehicles with a valid Sorn will not need to be insured.

Do you need collision insurance if your car is parked?

If you do not know who damaged your vehicle while parked and you do not have collision coverage, you will have no help from your insurance company when it comes to repairing your vehicle. Lots of people store their vehicles overnight, during work, or for other extended periods.

Do you need insurance when parking your car in a garage?

If you are going to be parking your car in your garage to take advantage of suspended insurance cover while your car is off the road, you need to get insurance that covers you against theft and fire, but this will not cover you against third party accidents (which shouldn’t really be a problem if your car is locked away).

Do you have to insure a car that is not on the road?

Although you are not legally obliged to insure vehicles that are currently off the road and being kept in private garages or on private land, you should make sure that your car is insured if it is being kept on a public road. There are also practical reasons for making sure that any vehicles registered by…