If you have van insurance then you know you are covered when driving on the road. If you do not have van insurance at this present time but are not driving your van at all, then you don’t have to have that cover, right? Wrong! Welcome to a brand new day where insuring your vehicle is concerned people! As of today, whether you drive your van or not, it must be insured unless you have completed a SORN – a Statutory Off Road Notification. You have to phone them or tick a box on your van tax notification to do so but if that is complete then you do not need to insure your vehicle. There is absolutely no other circumstance in which having no van insurance is acceptable today.
So what will happen if you fail to get van insurance regardless of whether you are driving your van or not? Well, first of all you will face a warning. The DVLA is working with insurance companies to target those without insurance and notifications will be sent ut. However, failing to get insurance for a vehicle that has not legally been declared off road after that will earn you a fine of at least £100, which may escalate to £1000. Your vehicle may also be confiscated.
A fine would be a strain on most households at the moment as a result of the recession but if you use your van for work and have chosen not to insure it because you lost your job or own a business and have reduced the number of vehicles you use then the likelihood is that van confiscation will hit you harder.
As such, you have a decision to make now – you could get van insurance or you could make a SORN. The latter is pretty easy to do but you may have to forfeit what you have paid on your road tax. The van would then have to be stored off road and preferably in a safe manner, such as in a garage, to ensure that it does not get stolen. However, if you decide that you should get a basic van insurance policy instead then look to Powerseeker for help. You can compare quotes from the top providers here to get the features you want at a price that will not break the bank. Check out your options today and make sure that you remain in the law. It will certainly pay you to do so right now.
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