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Laid up Sorn Insurance
Laid up Sorn Insurance

Laid-up and SORN car insurance

There are many reasons that you may choose to SORN your vehicle or to leave it laid-up for long periods of time but it makes good sense to keep it protected nonetheless. That’s where Sterling’s inexpensive SORN and laid-up motor insurance policies help and prices start from £85.

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Rated Great
Rated ‘Great’ based on 10,034 reviews
Laid-up and SORN car insurance

Get value for money SORN and laid-up car insurance

If your car is off the road for any length of time it makes sense to think about SORN, laid-up and build-up car insurance as it is much cheaper than full motor insurance. That’s because insurers have no third party or liability to worry about.

Many insurers will only cover you while your vehicle has an MOT and tax, but Sterling can arrange a specialist policy if you don’t have them and the vehicle has been issued with a SORN.

That means that whatever the vehicle and whatever condition, Sterling will be able to find value-for-money cover to protect it from damage, fire and theft while it sits idle.

So if it’s a classic car renovation you are working on, converting a van for holidays, building a kit car, or you’ve bought a new car and just can’t bear to part with the old one, give us a call to find out about our SORN and laid-up insurance deals. 

Our best prices are only available over the phone. We have access to a wide panel of insurance providers, and can find a deal that matches your needs and your budget.

It’s always best to phone us for our best prices.

The benefits of getting a policy with Sterling

  • Prices start from £85 a year (can we give a low estimate on prices for laid-up)
  • Agreed value options available
  • Monthly payments accepted
  • Claims hotline open 24/7

Discounted rates

Discounted rates with no third party or liability insurance needed when you are off the road, meaning we could save you money compared to a standard policy.

You decide on the cover you need

Our SORN, laid-up and build-up insurances are available at two levels, fire and theft or fire and theft plus accidental damage, ideal to suit any budget and any need.

Make monthly payments

A payment plan is possible if you would prefer to pay for your car insurance in monthly instalments over 12 months. Just let us know this is what you would prefer and a Direct Debit will be set up.

You decide on the cover you need

Our SORN, laid-up and build-up insurances are available at two levels, fire and theft or fire and theft plus accidental damage, ideal to suit any budget and any need.

Cover for every car

Cover for cars and bikes that aren’t road legal and those that are used exclusively on private land, such as off-roading vehicles or racetrack cars (the vehicle must have a unique identification number, such as a chassis or engine number).

Build-up cover 

We can offer build-up insurance for cars that are off the road for repairs, customisation and modification helping to keep your project safe and protected.

Get a quote with us!

It's easy.

Frequently asked questions

You’ll be surprised how reasonably priced Sterling’s fully comprehensive cover is, but there are ways you can save even more.

  • Transfer previous No Claims Discount to your new policy. If you have managed to build a No Claims Bonus, you may be able to transfer this to your new policy.
  • Consider a limited mileage policy. Agree a limited mileage policy if you are a low mileage driver
  • Step up the security on your vehicle. Adding security alarms, electronic immobilisers or trackers can reduce the price of your insurance premium
  • Lock your vehicle away. Keeping the car in a locked garaged overnight protects and keeps it secure
  • Multi car policies can lead to discounts. If you own different vehicles, explore insuring them all on the same policy.
  • Helping you once you’ve passed your test. If you are a young driver, get a black box fitted to help you improve your driving style to make you a better driver.
  • Join an Owners Club. Up to 10% discount for members of an owners club.

  • Home-start and breakdown cover for the UK and Europe
  • Independent agreed value cover
  • Windscreen cover
  • Cover for driving other cars
  • Left hand drive models
  • Misfuelling protection
  • Keycare cover
  • Cover for all car insurance groups, including classic cars and modified cars.
  • Modifications price-matched on a like-for-like basis.
  • Salvage retention.
  • Cover for dismantled parts.
  • Uninsured loss recovery for non-fault claims.
  • Courtesy car available on some policies.

Even better deals over the phone

Our best policies and prices for Laid Up and SORN insurance do not appear on price comparison sites and are not available online.

So let us compare the cost of car insurance with the levels of cover available. We’ll take quotes from multiple insurance providers to ensure you get the very best deal

Help is here when you need it

Sterling’s claim line is open 24 hours a day, 365 days a year. If an insurance customer needs to make a claim, we’ll be here for you. Be assured there will be a sympathetic ear at the end of the phone.

Our staff are based in the UK

Whether you’re calling for a quote or want to make a claim, our staff are based in the UK and ready for your call. As soon as you agree the policy terms, your insurance can be issued on the same day.

30 years’ experience in the industry

Our senior staff have been working in the insurance industry for 30 years. That means we can help if you need to find cover for situations or circumstances that are a bit more specialist.

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