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What happens if I don't renew my insurance policy?
We renew all of our customers' policies automatically – unless they tell us they don't want to renew.
If you tell us you don't want to renew, your insurance will stop on the expiry date. Then, if you haven't bought other insurance, you won't be covered for anything.
It's illegal to keep a car without insurance – whether you drive it or not – unless you've told the Driver and Vehicle Licensing Agency (DVLA). You need to let them know you're keeping your car off the road by making what's called a statutory off road notification (SORN). You can do this at www.gov.uk or at the Post Office.
The DVLA works with the Motor Insurance Bureau to make sure their records are up to date. If the DVLA doesn't have a SORN for a car listed as uninsured on the Motor Insurance Database, they'll get in touch with the registered keeper of that car. If the keeper doesn't then insure the car or make a SORN, they could:
• have to pay a fixed penalty notice of £100
• have their car clamped, taken away and destroyed
• face a court prosecution with a fine of up to £1,000.