About our laid-up insurance
When your car is tucked away for winter, awaiting repairs or undergoing restoration work, you might think insuring it isn’t necessary.
But the risk of theft, fire, storm or accidental damage doesn’t disappear just because you’ve submitted a SORN. Your vehicle still needs protection, even when it’s not turning a wheel.
At Abbeyfields Insurance, we understand that taking your car off the road doesn’t mean you care about it any less. We offer flexible laid-up insurance that protects you against all the risks your stored vehicle faces, without paying for cover you don’t need.
Why your laid-up car needs specialist insurance
Laid-up insurance is designed specifically for vehicles that aren’t being driven on public roads. Whether you’re storing a classic, are midway through a restoration or keeping a project car for the future, laid-up cover protects it against the real risks that standard car or home insurance excludes.
Your car could still be stolen from your garage, damaged by flooding or destroyed in a fire. Without proper cover, you’d lose everything you’ve invested.
Our policies can protect your vehicle while it’s in your garage, workshop or secure storage facility. You can also include multiple vehicles on one policy, making it simple to protect your entire collection. There’s no need to leave your vehicle vulnerable just because it’s off the road.
Why get your laid-up cover through Abbeyfields?
Abbeyfields is a family‑run, independent broker with decades of experience in insuring all types of vehicles, from everyday runarounds to classic or luxury cars, motorbikes, vans and ex-military vehicles. We underwrite policies on behalf of the UK’s leading specialist insurance companies, and our admin fees are among the lowest on the market. When you call us, you’ll speak directly to someone who can help you get the right cover straight away. Here’s what you can expect:
- Decades of expertise
- Personal service from a dedicated account manager
- Tailored policies built around how you plan to use your laid-up vehicle
- Strong relationships with leading UK insurers
- Fast, friendly support whenever you need us
- Help with your claims from start to finish
- Competitive premiums
- Simple, hassle‑free policy updates whenever your circumstances change
Frequently asked questions
Check out our FAQs below. If you still can’t find what you’re looking for, get in touch. We’ll be happy to help.
SORN simply removes your legal obligation to tax and insure your vehicle for road use. It doesn’t provide any protection against theft, fire, accidental damage or loss while the vehicle is stored. Laid‑up insurance fills that gap. It protects your car, bike or other specialist vehicle while it’s off the road, giving you cover for the risks that still exist even when the vehicle isn’t being driven.
Yes. For laid‑up insurance, your vehicle must be stored in a locked garage or secure building.
In most cases, no. Home insurance doesn’t usually cover cars or bikes, even if they’re kept in a garage. Without laid‑up insurance, you may have no protection at all if your vehicle is damaged or stolen while off the road.
Absolutely. Laid‑up cover isn’t limited to older vehicles. Whether you’re storing a restoration project, a modern classic, a future classic or a high‑value bike, we can arrange protection while it’s off the road.
No. Laid‑up and SORN policies don’t include any road use or third‑party liability. If you plan to take your vehicle to a show, for a test drive or for occasional use, you’ll need to speak to us about a limited‑mileage policy instead, as no third-party liability is included.
Get your laid-up insurance quote today
Just call our friendly, expert team on 0121 655 3420, Monday to Friday, 9am to 5pm, or leave your details using our form and we’ll call you back as soon as we can. One simple, commitment‑free call is all it takes to protect your stored vehicle with confidence.
