No insurance reduction for SORN personal vehicle?

[Freakbro]

I've just taken one of my cars off the road for a couple of months, SORN'd it and rang the insurance to enquire if there would be a reduction/rebate with my insurance. The answer was a catagorical no.

The thing is, I only thought about it because this winter I also SORN'd 3 commercial vehicles and our commercial insurance immediately recalculated the premium, now based on fire & theft only and we got a substantial rebate.

Which to me makes sense, you are no longer driving it on the road, so the risk of a claim is substantially lower, so why does commercial insurance do this but not personal?

My only option was to cancel the policy entirely, which would incur an admin fee, and start again when I put it on the road. Which for a couple of months installments just isn't worth it in my case.

 

[jsmoke]

Comp can be cheaper than TP F & T, not always but was in my case.

 

[Quartz]

Which to me makes sense, you are no longer driving it on the road,

Are you driving it off-road?

 

[Freakbro]

Are you driving it off-road?

Nope, it's parked up and garaged

 

[sovietspybob]

For commercial vehicles it's probably more common hence them offering a reduction, not many people will sorn their vehicle for short periods i'm guessing which is why they don't offer anything.

Maybe specialist insurers of performance or classics would?

What car is it?

 

[Freakbro]

For commercial vehicles it's probably more common hence them offering a reduction, not many people will sorn their vehicle for short periods i'm guessing which is why they don't offer anything.

Maybe specialist insurers of performance or classics would?

What car is it?

Yea, that could make sense, the woman on the phone certainly sounded like she'd never heard the request before. It's just my commercial insurance volunteered the information, as I hadn't thought to ask before tbh, when they spotted on the database the vehicles had been SORN'd. I admit, it's not often companies volunteer to give you money back

It's a 350z it's just I'm currently away a lot and don't particularly need it on the road atm. It's not like it would save much, I was just curious about why the difference

 

[Quartz]

Nope, it's parked up and garaged

Did you tell them that? Because it's perfectly legal to drive an untaxed car off road, in fields and the like.

 

[Freakbro]

Did you tell them that? Because it's perfectly legal to drive an untaxed car off road, in fields and the like.

I didn't specifically say that, but she was clear they didn't do any sort of reduction for a SORN'd vehicle