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Difficulty: MediumMotor Insurance Coverage and Legalities

Under Continuous Insurance Enforcement (CIE) legislation, when is a registered vehicle keeper legally permitted to keep a vehicle without valid motor insurance?

  1. A
    When the vehicle is parked on a public road outside the owner's home and is not being driven
  2. When a Statutory Off Road Notification (SORN) has been made and the vehicle is kept off public roadsAnswer
  3. C
    When the vehicle has a valid MOT test certificate but is undergoing private maintenance
  4. D
    When the vehicle is kept temporarily on a public highway while awaiting private sale

Answer

When a Statutory Off Road Notification (SORN) has been made and the vehicle is kept off public roads
Under Continuous Insurance Enforcement (CIE) rules, all registered vehicles must remain insured unless the registered keeper has submitted a Statutory Off Road Notification (SORN) to the DVLA and keeps the vehicle entirely off public roads, such as in a private garage or on a driveway.

Step-by-Step Solution

1
Identify the statutory scope of Continuous Insurance Enforcement (CIE)
Under UK law, registered vehicle keepers must maintain continuous motor insurance on their vehicle, regardless of whether it is actively driven.
The DVLA and the Motor Insurance Database (MID) automatically cross-check records to detect uninsured registered vehicles.
2
Determine the only legal exemption criteria for an uninsured vehicle
An uninsured vehicle is legally permitted only when a Statutory Off Road Notification (SORN) is declared to the DVLA and the vehicle is stored strictly on private land.
Keeping an uninsured vehicle on any public road or failing to declare SORN for an off-road uninsured vehicle results in fixed penalties, clamping, or prosecution.

Key Concept

Continuous Insurance Enforcement (CIE) and SORN exemptions
Estimated Time:1m 0s
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Topics

Motor Insurance Coverage and Legalities

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