Temporary car insurance: do I need an underlying policy?

While your vehicle is insured with a Cuvva policy, you don’t need an “underlying” insurance policy.

But, by law, cars have to be insured all the timenot just while you’re driving them. This law is called Continuous Insurance Enforcement (CIE).

(Bear in mind that a lot of other temporary car insurance companies do need you to have an underlying policy. So it’s worth double-checking their rules if you want to get short-term car insurance with anyone else.)

Continuous Insurance Enforcement (CIE) and Cuvva

Continuous Insurance Enforcement (CIE) means that, by law, cars have to be insured all the time.

That means you can’t use Cuvva to insure your car while you’re driving it, and then leave it uninsured on your driveway. That would be illegal.

The only way to own a car without having it insured is to declare a Statutory Off-Road Notice (SORN).

Statutory Off-Road Notice

A Statutory Off-Road Notice (SORN) is a way of declaring that your car isn’t on the road anymore. If you’re vehicle is declared SORN, it doesn’t need to have insurance.

When you declare a vehicle SORN, you get a refund on some of your road tax. You can choose whether to make your car SORN immediately, or whether to declare it from the start of next month.

There are a lot of restrictions on how much you can drive a car that’s been declared SORN. You’re basically limited to taking it to and from a garage to get an MOT. 🚫

If you break the rules on driving a SORN car, you can be fined up to £2,500. So make sure you’re on the right side of the law before you do it.

Updated on December 6, 2019

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