Ask the expert: Why is the DVLA fining me for not taxing a racing car?

A letter from the Motor Insurers’ Bureau (MIB) informed me that according to the Motor Insurance Database (MID), my 1963 MGB was not insured. It stated that, unless my vehicle was declared off-road with a valid Statutory Off-Road Notification (SORN), it must be continuously insured, and that I had 28 days to check that I was covered and avoid a fine. The MG is a racing car and, therefore, not on the road, so I thought this might be a scam, but I then received a letter from the DVLA saying I must