• THE LAW ON MOTOR INSURANCE HAS CHANGED   If you own a vehicle and it is registered in your name then it must be insured all the time.  If you don't want to use the vehicle, then you must contact the DVLA to declare the vehicle off the road.  By making a formal Statutory Off Road notification (SORN) and sending this to DVLA along with your tax disc, you can ensure you are complying with the new law.  From the end of June 2011, the registered keepers of vehicles that have no record of insurance on the Motor Insurance Database (MID) or a SORN, will be reminded of the  law change with a warning letter in the post.  They will have to take notice of this or face penalties.   

         As a registered keeper of a vehicle that has no insurance or SORN, you could face:

  1. A £1000 penalty
  2. Your vehicle being clamped seized and destroyed;
  3. Court prosectution and a fine of up to £1,000.00;
  4. The police will continue to seize vehicles that are driven without insurance - different penalties apply for this offence. 


Morgan Insurance Consultants is a trading style of Headley Group Limited which is
authorised and regulated by the Financial Conduct Authority and is entered on the FCA
register ( under reference Reg no 306701.

Registered Offices:
William Curtis House, Lenten Street, Alton, GU34 1HG.
6 Queen Street, Godalming, Surrey, GU7 1BD.
Registered in England.

Companies House:
Headley Insurance Services is a trading name of Headley Group Limited and is a Registered Company in England.
Registration number is 4851495 at William Curtis House, Lenten Street, Alton, Hampshire, GU34 1HG

If you are unhappy with our service we have a complaints procedure, details of which are available on request by emailing [email protected]. You may be able to refer a complaint to the Financial Ombudsman Service (FOS) if you are unhappy with how we deal with your complaint.
The FOS website is

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