Coronavirus and your motor insurance

Many of us are now supporting those in their communities who are impacted by COVID-19 by helping with grocery and medicine deliveries, as well as signing up to the new NHS Volunteer responder scheme.

During these difficult times, we’re seeing some amazing community spirit. This can mean that you’re using your vehicle for purposes other than stated on your motor insurance documents.

The ABI (Association of British Insurers) is reassuring people that its motor insurance members are offering enhanced help and support to all their customers who may be affected by the impact of Coronavirus (Covid-19).

The full details can be found here, but the key points are that ABI motor and home insurers have pledged to:

Support those who use their cars to help their communities. If you are using your own car for voluntary purposes to transport medicines or groceries to support others who are impacted by Covid-19, your cover will not be affected. You do not need to contact your insurer to update your documents or extend your cover. This applies to all categories of NHS Volunteer Responders, including transporting patients, equipment, or other essential supplies.

Support those who are working from home. If you are an office-based worker and need to work from home because of government advice or because you need to self-isolate, your home insurance cover will not be affected. You do not need to contact your insurer to update your documents or extend your cover.

Furthermore, there is no need to contact your car insurance provider if you are a volunteer helping the fight against Coronavirus. 

NHS Volunteer Responders and others who are volunteering to help their communities during the coronavirus outbreak do not need to contact their insurer to update their documents or extend their cover.

If you are using your own car for voluntary purposes to transport medicines or groceries to support others who are impacted by Covid-19, your cover will not be affected. You do not need to contact your insurer to update your documents or extend your cover. This applies to all categories of NHS Volunteer Responders, including transporting patients, equipment, or other essential supplies.

For more on this announcement by the ABI, click here.

MOTs during coronavirus

The Government has announced that all cars, vans and motorcycles, which would usually require an MOT test will be temporarily exempted from needing one from 30 March 2020. Your insurance will not be affected because of this.

If your MOT is due before 30 March 2020 and you are unable to get a test because of the impact of Covid-19, insurers will be pragmatic and not penalise you. Safety is paramount and it is illegal to drive a car in a dangerous condition, so make sure to check your brakes, tyres and lights before driving. Please remember to get your MOT done when you can.

If you do have any questions or concerns regarding your insurance cover and coronavirus, do not hesitate to contact our friendly team of experts.

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    Entries close 31 March 2021.

     

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