Insuring a SORNed bike

Where?

Cos apparently my fully comp insurance doesn't cover a named bike if it's
sorned.

That, combined with a 30% premium increase to cover the 2.5% VAT increase
has made my fucking day.

 

Do what? That's mental - how are you ever supposed to unSORN it?

 

Are you sure there aren't some wires getting crossed somewhere, & they
don't just mean it's not insured to use on the road while it's sorned?
Otherwise you're a bit fucked come MOT time.

 

They've got it wrong. If they're saying that it's not insured for
anything, and they won't pay out if it's nicked, they're off their
collective head.

Also, as Si and Krusty point out, imagine the MoT runs out and it
needs a new one. You're allowed to ride to and from an MoT station
with no Mot if you have a test booked, and insurers will happily
insure bikes on just an engine/frame number. I know this, having re-
registered more than one ShiteOldClassic on an age-related plate. Ride
with no plate to the MoT station, get MoT, ride back, take MoT and
insurance certificate to VRO, do the paperwork.

What crappy insco are you with, anyway?

 

My insurance is with Royal & Sun Alliance through Devitts. After a 'seeking
clarification' phone call it seems that my sorned SOBMW *is* covered ffs.
They're still saying that some companies don't cover sorned vehicles
(Zenith, Highway and Equity Red Star to name a few). They also say that some
others require 'referral' and offer only reduced (3rd Party only) cover.

 

They're talking complete & utter bullshit imo.

 

It wouldn't surprise me but this information was given in a return call
after email confirmation from the companies concerned (apparently). All I
know is that my premium went up £40 after another no claims year.

I hate insurance companies.

 

+1 What on earth use is 3rd party only cover on a SORNed bike?

 

I side with Krusty. Ask them how the **** you're supposed to un-SORN a
bike if it doesn't have insurance.

 

My thought exactly. The classic insurers have it right - they offer
'laid up' cover, don't they? So it's not going to be on the road but
it's insured for theft from your shed or garage.

Hm. I wonder how that sits with the continuous insurance legislation,
now I think about it.

 

If it's SORNed, it doesn't need insurance.

 

Just read the Zenith policy on their website & there's no mention of
tax or SORN, only that it must be MOT'd if one's required. So they are
talking bullshit, probably to steer you towards a more expensive
policy. Personally I'd tell them to stick it & look elsewhere, there's
always someone cheaper.

 

You can get MX/trials bike policies that do the same.

 

You sure, what if it's SORNed and then stolen?

 

Nonsense.

Anyway thanks for the reminder, I need to SORN the 10R because I can't
be bothered to get an MOT then tax it until the weather improves.

 

Gaylord.

 

I do have another bike, MOT'd and taxed you know.

 

I did try looking for one of those a few years ago. The only insurer I
could find wanted something like 9% of the bike's value with a whopping
great excess (I forget how much, but it worked out at something like half
the value of the bike), or 18% with an almost reasonable excess. As my
bike was only worth a couple of grand at the time, I decided to invest in
a ground anchor instead.

 

Gaylord.

 

I meant for the purposes of the continuous insurance legislation.