Short Term Car Insurance for Off Road Vehicles and Motorhomes

Nature enthusiasts and off road sports enthusiasts can purchase short term car insurance specifically for statutory off road notification (SORN) for off road vehicles and Motorhomes. Short term car insurance provides optimal insurance on a short term and temporary basis for recreational and off road vehicles. Often time, automobile insurance agencies will decline to cover off road vehicles and motorhomes. If coverage is found, the premiums will no doubt be higher than expected.

Although a motorhome owner can certainly purchase a motorhome insurance policy from an insurance company, or a one that specializes in these types of insurance policies, the coverage may not be ideal for some motorhome owners. Short term car insurance for motorhomes offer comprehensive coverage at a significant reduction of costs, mainly because there are no long term annual premiums for the motorhome owner to pay.

The coverage that sort term car insurance offers in the motorhome owners is a comprehensive coverage of insurance from 1 to 28 days. Customized short term motorhome insurance can be purchased according to the needs of the motorhome enthusiast. This short term or temporary insurance covers weekend getaways for the entire family, or covers the borrowing of a motorhome by friends. Daily comprehensive short term motorhome insurance can also be purchased for European travel.

When it comes to Statutory Off Road Notification (SORN) the Driver and Vehicle Licensing Agency (DVLA) should be notified of any short term car insurance purchased for an off road vehicle. The Driver and Vehicle Licensing Agency will send out licensing and reminders for Statutory Off Road Notifications, and sent prior to the recipient 8 weeks in advance of expiration of current license.

The off road vehicle will need to meet the criteria of the Ministry of Transportation Test (MOT). For an off road vehicle that has a Statutory Off Road Notification, the owner has a slight window of time frame for the purpose of a MOT test. This exemption is under the Vehicle Excise and Registration Act of 1994 (VERA). The MOT test is designed to make sure that a vehicle meets all environmental standards and road safety standards.

Vehicles which are three years and older are required to take a MOT test. This test includes the checking of seat belts, exhaust system, the fuel system, the vehicle structure, brakes, doors, mirrors, lights, tires and wheels, registration plates, vehicle identification number, the bonnet, the windscreen, the horn and the steering and suspension. MOT test can be found online for any vehicle.

For the individual who is purchasing a vehicle, seeking the MOT test for a vehicle first can save them time and money down the road. Individuals are still cautioned to take a vehicle they are purchasing to a good mechanic, using short term car insurance, and get the vehicle checked. The MOT testing does not include the clutch, gearbox or the engine of the vehicle. This is especially important when a vehicle has been used for off road use and has a Statutory Off Road Notification registration. 

I've been there. I know.