Parking a car outside your house under lockdown could see some drivers fined up to £2,500

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Parking a car outside your house is only allowed if your vehicle has the correct insurance in place. However, many drivers may decide to cancel their agreement under the second lockdown in a desperate bid to save money.

The unique rule could leave thousands of drivers caught out and hit with substantial penalties.

USwitch spokesperson Florence Codjoe has confirmed that it is a “legal requirement” to have insurance if a car is parked on the road in an urgent warning to motorists.

She said: “It may be tempting to cancel your insurance if you’re not using your car this month.

“However, it’s a legal requirement to have insurance if your vehicle is parked on the road, even if it isn’t being used.

If you have off-street parking or a private parking space, you can inform the DVLA with a Statutory Off-Road Notification (SORN).

“A SORN means your vehicle is declared officially off-road. You can’t drive it anywhere, but you won’t have to pay road tax and you can cancel your insurance.”

According to Confused.com, the number of drivers applying for SORN’s soared under the first lockdown as drivers were desperate to save money.

But crucially, SORN applications never expire and do not need to be automatically renewed.

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This means that many drivers may have forgotten about their original SORN application and could be liable for charges if they decide to use their vehicle.

Making this mistake can lead to consequences with police officers able to issue a fixed penalty of £300.

Up to six penalty points can also be issued to a licence if your car is caught without insurance on the road.

However, in extreme cases where an incident is taken to court, road users could be charged up to £2,500.

Police officers can also seize a vehicle and even have the power to destroy a car which is found without legal insurance in place.

According to the RAC, driving without insurance is not an imprisonable offence but road users will face consequences.

Offenders will be issued an IN10 endorsement which will remain on a licence for four years and must be disclosed to providers.

Information from GOV.UK says: “You must insure and tax your vehicle if you do not have a SORN.

“If you do not, you’ll automatically be fined £80 for not having a SORN. There’s also a fine for having an uninsured vehicle.”

They add: “You can only drive a vehicle with a SORN on a public road to go to or from a pre-booked MOT or other testing appointment.

You could face court prosecution and a fine of up to £2,500 if you use it on the road for any other reason.

This will likely affect your overall premiums with some road users possibly even blacklisted from securing certain policies in the future.

The DVLA and the Motor Insurance Database (MID) can cross-reference records in just seconds.

These tools make it simple for enforcement teams to identify and penalise any uninsured drivers as quickly as possible.

Previous figures from the MID have shown that around 3,000 road users are issued warnings for this offence every day in the UK.

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