You may or may not be aware that the law on motor insurance has changed.
If you own a vehicle that is not declared “off the road” (SORN) and it is registered in your name then it must be insured at all times. If you don’t want to use the vehicle, then you must contact the DVLA to declare the vehicle “off road”. There are penalties for not having a valid insurance policy, and if your policy does not appear on the Motor Insurance Database (MID) you can expect to receive a warning letter in the post, followed by a fixed penalty fine.
You will not be committing an offence if you have done one of the following:
Insured your vehicle
Declared your vehicle “off the road” (SORN) with the DVLA.
A really hand tool is to check your vehicle is showing as insured on the MID. It is free and takes just a few seconds. Just visit http://ownvehicle.askmid.com/ and pop in your registration to check.
This is especially handy to check if you have moved insurers and want to check everything is all ok as the DVLA and Police work from this database.