Also off the road. A public car park isn't off the road. It has to be an area that joe public cannot access. Your drive is ok as its private but just outside your house in a layby for example is still on the road.

Indeed:

It is parked outside my house, it is taxed and mot'd and is on a public road,

But now it doesn't matter:

i have just called the insurer and insured the car

Edited by Middleman on 27/09/2017 at 18:41

I'd be inclined to email your insurer and ask them what the Hell they're doing giving you such bad advice. It might be a misunderstanding, insofar as they thought your car was SORN'd, but if, as you say, they were aware its on the road and still told you there's no need to insure then they really do need to polish up their act. It may be that you were unlucky, and happened to speak to the one person in their organisation who is regularly giving such bad advice and who needs retraining and/or a good stiff talking to.

Never heard such nonsense in me entire life.

As my Dad (who worked in general insurance for 35 years [retire for 20 years now]) most people who work for insurance companies in their customer service depts are just glorified phone operators and follow instructions on their computer screen, so most have very little actual knowledge of insurance underwriting or law.

His advice is that if you have a query that relates to rules, Ts & Cs, law and not price, then always ask to speak to their supervisor, who, for the most part, should have such experience - in his opinion (and, it seems to me, borne out in my experiences), the computer info the phone jockeys use is poor and in legalese, not in plain English. Sadly another sign of our dumbing-down, race-to-the-bottom in terms of quality and service society.