Laid Up Car Insurance

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92% of our customers get a cheaper quote over the phone

92% of our customers get a cheaper quote over the phone


Laid Up Car Insurance

Laid up car insurance is ideal for the car enthusiast, show car owner or classic car fan, providing piece of mind that your pride and joy is protected.

Laid Up Cover from Keith Michaels

As leading providers of specialist car insurance, Keith Michaels is well suited to offer laid up insurance to owners wanting to protect their SORN cars. We know how important it is to protect cars that are laid up, and our cover provides you with complete peace of mind.

With definitive cover from Keith Michaels, you can rest easy knowing that everything is protected – at the right price.

What Cars are Eligible for Laid Up Insurance?

Whether your vehicle is a classic under restoration, or a sunny-weather-only car that’s SORN registered, laid up car insurance protects any car that’s off the road from medium to long term. This includes classics, future classics, modified, prestige, performance and race cars.

Any car that is off the road for a period of time, whether SORN registered or not, can be covered by laid up insurance. This includes Race Cars for track use only.

How Does Laid Up Insurance Differ from Regular Car Insurance?

As your car isn’t being driven on the roads, cover differs slightly from regular car insurance.. Rather than comprehensive cover, laid up insurance provides cover for accidental damage, fire and theft.

To discuss your needs and get a competitive quote, get in touch with our specialists today.

The Keith Michaels Difference

  • 30 years’ experience
  • Every customer is treated as an individual, not a policy number
  • We are a UK-based office, not a call centre
  • We are completely independent from any insurance company
  • All policies are looked at on their own merits to find you the best policy available

Laid Up Car Insurance
Laid Up Car Insurance

Email [email protected] or call us on 0208 329 1167

Why Choose Keith Michaels for Laid Up Car Insurance?

Laid Up Car Insurance

Direct Contacts

Gary Moulson
0208 329 1167

Amy Eustace 0208 329 1162

Laid Up Car Insurance

The Scheme is Perfect for:

  • Drivers aged 25+
  • Garaged vehicles preferred, but driveway considered on referral.
  • Each risk is individually assessed on a bespoke basis
  • Multi-vehicle policies available
Laid Up Car Insurance

Discounts For

Enhanced vehicle security

2nd or 3rd cars

Owners clubs

Secure parking access

Length of ownership

Laid Up Car Insurance


Agreed value cover

Like for like replacement parts following a claim

Cover can be increased to provide road use

Laid Up Insurance & SORN FAQs

What is a SORN?

SORN, or a statutory off road notification, is a way that a driver can let the DVLA know that their car is not going to be driven on the road. It’s useful if you’re taking a car off the road for a significant period of time and have driven it previously on the road, as you’ll avoid getting MOT and VED reminders.

You can do it online, by post, or by contacting the DVLA. By registering your car as SORN, you agree to not drive it on public roads and in return, you get a VED refund for the remaining months left.

When do I need to make a SORN?

You need to make a SORN when you take a vehicle ‘off the road’ and you want to stop taxing and insuring it for driving.

You must insure and tax your vehicle if you do not have a SORN. Otherwise, you’ll automatically be fined £80.

How much does laid up insurance cost?

As the car in question won’t be on the road, laid up insurance costs less than standard insurance. For a truly competitive quote, give our specialists a ring on 0208 329 1150.

Do I need to cancel my existing insurance when I SORN my car?

Yes, as a SORN doesn’t automatically update your insurance, it only updates on the DVLA systems.

What conditions do I need to meet to qualify for laid up cover?

As well as having a car that is off the road, you’ll need to have another main car. Having a garage or lockable storage box is preferred, and a gated driveway only suffices for lower value cars.