Your Argument Has Been SORN IN Half
In the UK, it is the law that if you have a vehicle taxed for road use, then the vehicle must be insured for road use. All vehicle tax and registration are managed by the DVLA (Driver and Vehicle Licensing Agency), and there is also the Motor Insurance Database (MID) that has every UK-insured vehicle on it.
This is not a closely-guarded secret; you can literally go to a website and pop your vehicle registration in and it’ll flag if it’s insured or not. There is also something called SORN (Statutory Off Road Notification); if you intend to not have your vehicle insured or use it on the road, you need to go to the DVLA and get it SORN’d
I work in vehicle insurance. The plus side is that whilst we need to have good customer service, we don’t have to be nice to clients due to the nature of what we do. This client has called to cancel his insurance. He has me on speakerphone, so I can hear a lot. He’s also been pretty rude and difficult so far, getting snappy at me regarding DPA and stuff we have to do by law.
Me: “So, why are you looking to cancel the insurance?”
Client: “It’s winter, idiot. I’m not gonna ride it.”
Me: “Have you had it SORN’d?”
Client: “Nah, don’t see the point.”
Me: “I need to make you aware: if your vehicle is taxed for road use and you do not have insurance, the DVLA could fine you up to £1,000, and the vehicle can also be seized and even destroyed by police. I would recommend getting your vehicle SORN’d as soon as you cancel the insurance; you can do it on the government website and it’s free.”
Client: “How would they know it’s not insured?”
Guy In The Background: “It’s called askMID.”
Client: *To the guy* “Shut it, mate.”
Me: “As your friend has advised, there is the Motor Insurance Database run by the Motor Insurance Bureau, which the police and the DVLA use to verify if a vehicle has insurance.”
Client: “Well, how are they gonna know the reg if they can’t see it? It’s gonna be in the garage. Suck on that, sugar t*ts.”
Me: *Dryly* “The DVLA are the ones who gave it the registration plate. They’re the ones that issued you the V5. If it’s UK registered, the DVLA knows the registration, make, model, colour, etc. of the vehicle, who owns the vehicle, and where that person lives. You could take it to Timbuktu if you really wanted to, but if it’s registered and taxed for UK road use, the DVLA is going to be able to find out if it’s insured. You don’t have to SORN the vehicle, but again, it’s free, and if they do decide to check it, you could lose out on up to £1,000.”
There’s a rather awkward silence.
Guy In The Background: “I went on holiday to Timbuktu.”
Client: “Shut up, mate! And… I’ll… uh… get it SORN’d.”
Me: “Lovely. Let’s get that cancellation calculated. I’ll just pop you on hold.”
Guy In The Background: “She ain’t gonna do anything to try and get you a discount on the cancellation after you called her ‘sugar t*ts’.”
Client: “Shut it—”
At that point, I put the client on hold. And yes, I left the cancellation fees at full costs; we can choose to waive them at our discretion, though it does reflect on our scores if we go under a certain amount on average.