Car

Car insurance

Searching for the right car insurance can be complicated. So we’re here to make your life easier. Whatever your car’s shape or size, our team of experts are here to help you drive with confidence under the right cover.

Home

Home insurance

Finding the right insurance to protect your property and all its belongings is often a difficult process. That’s why we’re here to find you a policy tailored to your home, giving you extra assurance in your insurance. Whether you’re a homeowner, landlord, or building a property, we can help you with the right insurance to keep your house a home.

Van

Van insurance

On the lookout for the right van insurance? Our expert team will find the right insurance to have you covered. Whether you’re a sole trader or have a fleet of vans, we work with a range of insurers to provide you with the right cover to keep you and your van on the road.

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Business insurance

Searching for a business insurance deal? From home offices to large enterprises, we understand that every business is different. That’s why our expert team works hard to find the right policies and protection for your specific business needs.

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Farm insurance

We understand the constant demands of farming, so we’re here to make one thing much easier. No matter the size, we work with you on a personal level to protect your livelihood and help find the most competitive cover that your farm needs.

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Travel insurance

We’re here to help your holiday go right. Offering insurance for a range of holidays, from multi-trips, a one-off holiday to a winter sport get-away, we’ll cover the least exciting part of your travels.

Other insurance

Searching for the right car insurance can be complicated. So we’re here to make your life easier. Whatever your car’s shape or size, our team of experts are here to help you drive with confidence under the right cover.

Sorn

Not using your car? You need a SORN!

Picture this…. You own a car and for whatever reason, you’re no longer driving it. Maybe it needs some repair work or you’re trying to sell it. You have cancelled your insurance as advised – so what’s the problem? It’s just sitting pretty in the driveway!

This however could be a VERY costly mistake. 

Many drivers might not realise that if you’re taking your car off the road and cancelling your insurance - even for a short time - you need to apply for a Statutory Off-Road Notification – otherwise known as a SORN

What is a SORN?

A SORN is a declaration that you’re officially taking your car off public roads. By applying for one, you’re informing the authorities that your vehicle is registered but it will not be used for a period of time. 

When do I need to get one?

As we all know every car needs to be taxed, insured and have a valid MOT - even if they’re just chilling in the garage or sitting in the driveway, unless you have a SORN! 

So, you’ve cancelled your insurance, but you will still need to apply for a SORN for the below examples:

Why is a SORN so important?

A SORN is so important because it’s the only way you can legally stop paying for tax and insurance on your vehicle.

Police and authorities can check for uninsured cars, and if your vehicle comes up as being uninsured and without a SORN, you could face a fixed penalty notice and risk your car being clamped, seized or even crushed. In some cases, you could even face prosecution with a maximum fine of £1,000.

Also, if you didn’t realise you needed to SORN your vehicle, you may find it more difficult to reinsure. Insurers will review each case on an individual basis, but you may find that some will not offer insurance due to this gap in cover. Thus, we urge road-users to be aware of what a SORN is, why and when you need one.

How do I apply for a SORN?

Luckily, it’s easy to get a SORN and it’s completely free as well! The most straightforward way to apply for one is to visit the government website and fill in the details. You can choose when the SORN date starts, and if you have any outstanding tax on the car you’ll get a refund for it. Alternatively, you can apply by post or over the phone. For more information, check out the direct.gov.uk website.

Is it illegal to drive a car without one? 

You bet. 

The only occasion when authorities will permit a SORN vehicle on the public road is if you’re on your way to a pre-booked MOT test. However, you must be able to prove that the test was booked ahead of time.

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