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The askMID website
If you own a vehicle that is not declared "off the road" (SORN) and it is registered in your name then it must be insured at all times. If you don't want to use the vehicle, then you must contact the DVLA to declare the vehicle "off road". There are for not having a valid insurance policy, and if your policy does not appear on the you can expect to receive a in the post, followed by a fixed penalty fine.
You will not be committing an offence if you have done one of the following: