What is laid up cover in car insurance?

What is laid up cover in car insurance is cover for car that is not being driven and is laid up off road in garage, SORN or stored, covering fire, theft, vandalism and storm damage but not driving, cheaper than full comprehensive. In Australia and UK, laid up cover, also called laid up insurance, SORN insurance or fire and theft cover, is for cars that are off road for extended period, such as classic cars in winter storage, project cars, or cars not being used for 3 to 12 months, costing $100 to $300 per year versus $800 to $1,500 for full comprehensive, saving 70%. Laid up cover covers fire including bushfire, theft including attempted theft, vandalism, storm and flood damage while car parked in garage, but does not cover driving, accidental damage while driving, or third party liability, so you cannot drive car on road, must have SORN in UK or unregistered in Australia. For example, if you have classic car worth $20K stored in garage for 6 months, laid up cover $150 per year covers theft and fire, versus comprehensive $1,000. In Australia, you still need CTP if registered, but laid up reduces comprehensive. So laid up cover is insurance for car not being driven, stored off road, covering fire, theft and storm but not driving, ideal for stored, classic and project cars, costing $100 to $300 per year, with SORN required in UK and unregistered or laid up in Australia.