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Originally Posted by Escapee
If your car was stolen and it didn't have a tax disc I can understand their angle, however I have a number of cars that are SORN and stored in garages. These vehicles are all insured, so are people here trying to say my cars are not insured just because they dont have little round disc in the window?
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There appears to be some confusion here with the term "insurance".
When you insure your car you are effectively insuring it for two things. As Russ has pointed out, the legal minimum cover RTA, which is similar to third party only, is to insure your car
on the road against other drivers. Any other insurance is to insure your car's property against fire, theft, damage, breaking-down, etc.
wherever the car is.
As Russ has pointed out, the RTA cover will be unaffected by lack of tax disc, etc. but any other insurance might depending on the wording of your policy.
I imagine that Escapee's SORN cars are insured against damage and theft but do not have RTA cover as they are obviously not intended to be driven. This insurance would be more like home insurance than car insurance.