Sorn and insurance? - Page 2 - SV650.org

TamSV · 05-11-12, 04:46 PM

Quote:

Originally Posted by Littlepeahead

SORN'd bikes required a different policy...

Quote:

Originally Posted by Littlepeahead

....which may cost more...

Quote:

Originally Posted by Littlepeahead

...and also there would be an admin fee.

Awesome. Hats off to 'em - that's the way to generate some additional revenue. With an attitude like that we'll soon be out of recession.

Quote:

Originally Posted by Littlepeahead

So in the end I didn't tell them.

Good move.

Littlepeahead · 05-11-12, 05:11 PM

Yeah, exactly. Why do I have to pay more for NOT riding my bike? Surely the chances of crashing it inside my garage are slim? And if someone wants to steal it they will have to move the barge of a car out of the way first, and all the junk in the garage, good luck there!

NTECUK · 05-11-12, 05:20 PM

We have all your holiday to move all that stuff

Littlepeahead · 05-11-12, 05:32 PM

Have fun trying - I've had to move it while I'm away as a mate is using my garage!

Geodude · 05-11-12, 06:59 PM

So if you sorn bike for a month or two over winter to save paying tax when your not riding it then you need to notify insurance co and get sorn insurance or you just sorn it and say nothing to insurers but find out your insurance is void if it gets nicked while sorned? I think it just as easy to keep it taxed for 12 months even if its unridden for two of them. confused.

squirrel_hunter · 05-11-12, 07:05 PM

Quote:

Originally Posted by Geodude

Swinton

Thats your first problem.

Quote:

Originally Posted by TamSV

A quick check of a few policy documents confirmed my initial suspicion that this is a load of twaddle.

I suspect they're getting confused about the "roadworthiness" clause that most policies have.

If anyone can find a policy wording where a Sorn'd vehicle is excluded I'd be very interested to see it. Anything's possible but I'd be very surprised if such a condition exists.

I've never seen anything like that before either. And as a buyer who has to disclose everything to an insurer then an insurer has to disclose everything to me. I think its a statement of needs or something like that (can't remember the exact title) that comes with all financial services documents. Misselling?

Bibio · 05-11-12, 07:09 PM

i think the best people to ask would be the DVLA.

TamSV · 05-11-12, 08:33 PM

Quote:

Originally Posted by squirrel_hunter

And as a buyer who has to disclose everything to an insurer then an insurer has to disclose everything to me.

Quite right. It's a contract of Utmost Good Faith on both sides. There's nothing in the contract that says you're not insured if the bike's SORN(unless someone can find me a policy that says otherwise) so they can't just make up some additional random rules.

People laying their bikes up over Winter is hardly a rare event. Plus it reduces risk, so not even a material fact that needs disclosing.

TamSV · 05-11-12, 08:35 PM

Quote:

Originally Posted by Bibio

i think the best people to ask would be the DVLA.

I can't see them adding anything useful TBH.

Tell you what, I'll ask the Ombudsman

NTECUK · 05-11-12, 10:42 PM

You do get some good days even in Jan /Feb .
So for all the hassle you might as well keep it licensed .

05-11-12, 05:11 PM	#12
Littlepeahead Member Mega Poster Join Date: Feb 2008 Location: The Saaarrrfff Posts: 2,908	Re: Sorn and insurance? Yeah, exactly. Why do I have to pay more for NOT riding my bike? Surely the chances of crashing it inside my garage are slim? And if someone wants to steal it they will have to move the barge of a car out of the way first, and all the junk in the garage, good luck there! __________________ Tender is the day, The demons go away, Lord I need to find, Someone who can heal my mind...

05-11-12, 05:20 PM	#13
NTECUK Member Mega Poster Join Date: Apr 2011 Location: essex Posts: 5,314	Re: Sorn and insurance? We have all your holiday to move all that stuff __________________ Raisin cookies that look like chocolate chip cookies are the reason I have trust issues.

05-11-12, 05:32 PM	#14
Littlepeahead Member Mega Poster Join Date: Feb 2008 Location: The Saaarrrfff Posts: 2,908	Re: Sorn and insurance? Have fun trying - I've had to move it while I'm away as a mate is using my garage! __________________ Tender is the day, The demons go away, Lord I need to find, Someone who can heal my mind...

05-11-12, 06:59 PM	#15
Geodude Member Mega Poster Join Date: Jun 2009 Location: Durham Posts: 2,676	Re: Sorn and insurance? So if you sorn bike for a month or two over winter to save paying tax when your not riding it then you need to notify insurance co and get sorn insurance or you just sorn it and say nothing to insurers but find out your insurance is void if it gets nicked while sorned? I think it just as easy to keep it taxed for 12 months even if its unridden for two of them. confused. __________________ Black naked 1999 sv650 which im trying to keep happy Custom paintwork *Saragon Customs* Spray painting *Electrical fault finding guide* and *Regulator rectifier test* Only a biker knows why a dog sticks his head out of a car window.

05-11-12, 07:09 PM	#17
Bibio Member Mega Poster Join Date: Jul 2008 Location: here as devil's advocate Posts: 11,569	Re: Sorn and insurance? i think the best people to ask would be the DVLA.

05-11-12, 10:42 PM	#20
NTECUK Member Mega Poster Join Date: Apr 2011 Location: essex Posts: 5,314	Re: Sorn and insurance? You do get some good days even in Jan /Feb . So for all the hassle you might as well keep it licensed . __________________ Raisin cookies that look like chocolate chip cookies are the reason I have trust issues.

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