Laid Up Car Insurance – A Change in the Law!

As of 20th June 2011, there has been an important change to UK car and bike insurance laws.

Continuous Insurance Enforcement (CIE) will become law in the UK, making it illegal to own a vehicle without it being insured (unless it’s registered as off the road with the DVLA – see below). You will sometimes see this being referred to as Laid Up Car Insurance.

The law seeks to address the rise in the number of uninsured vehicles on the road. According to the ABI, it’s believed that uninsured drivers add around £30 to the average insurance policy.

The most obvious to be affected are those with convertible cars and motorbikes, who may use them only during the warmer months and insure them only when in use. It also means that insurance is needed from the renewal date, regardless of whether the car or bike will be used or not.

The new vehicle insurance law – don’t be caught out
If you’re the registered keeper of a vehicle, it must be insured at all times.

The exceptions are:

  • if you have made a SORN for the vehicle
  • if your vehicle has been kept off-road since before SORN came into force on 31 January 1998 – unless it was brought back into use
  • if your vehicle is recorded as stolen, passed or sold to the motor trade or between registered keepers
  • if your vehicle is recorded scrapped or permanently exported by the Driver and Vehicle Licensing (DVLA)


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Hi My name is Andrew and my area of expertise is car insurance. I have many years experience within the industry and have built up a considerable amount of knowledge.

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