Covid-19 FAQs


Do I need an MOT to still be insured?

The UK Government has extended MOT review dates by 6 months if they become due during the Coronavirus lockdown period.

You are still able to drive your car, but it must be in a safe and roadworthy condition for your insurance cover to apply. You will need to MOT your car before the 6–month elapses or your insurance cover will not be valid.

All the information you need can be found on the Gov.uk website, just click this link: https://www.gov.uk/guidance/coronavirus-covid-19-mots-for-cars-vans-and-motorcycles-due-from-30-march-2020.


Can I take my car off the road and still be insured?

It's a legal requirement for your car to be insured, even if youíre not driving it, unless you declare your car as 'off the road' by completing a Statutory Off Road Notification (SORN) You can find more information here: https://www.gov.uk/make-a-sorn.

Our panel of insurers have extended Comprehensive and Third-Party Fire & Theft insurance to cover your car even if you have completed a SORN. We will be happy to talk this though with you.


I have been furloughed or I am unemployed due to the Coronavirus, am I still insured?

If you have been furloughed under the UK Government Job Retention Scheme (JRS) there is no need to worry, your policy can continue, and you do not need to inform us of your employment status.

If you have become unemployed, again your car insurance is still valid but please do call us to update the occupation on your policy.


I have been affected financially by Coronavirus – can you help?

If your financial circumstances have changed as a result of Coronavirus, we may be able to help. Call us on 0344 800 4317 and our agents will be happy to discuss options with you.

We'll help you decide if you are paying for cover that you donít need or see if a better price is available for your insurance. There is also an option to defer monthly payments, but please remember that youíll need to catch up with these payments later, so it may not suit all customers.

Our call wait times may be a little longer than usual.


I am working from home. Do I need to update my insurance?

You do not need to worry about your car insurance, our insurers are happy for your policy to continue without making any changes.


I am driving my car to work instead of using public transport, do I need to update my policy?

Don't worry about updating your policy as your insurance will still be valid. You do not need to call us to update this.


I am self–isolating, but my car is being kept at a different address, will this affect my cover?

Providing this is temporary your cover will not be affected so there is no need to call us.

If keeping your car at an alternative address becomes a permanent arrangement, then you will need to call us so we can update your details.


Can someone else drive my car if I'm unable to?

If the person who is helping you has their own car insurance which includes 'Driving Other Cars' (usually stated on the Certificate of Insurance) then yes, with your permission they will be able drive your car. Please bear in mind this cover is restricted to Third-Party Only and is intended for short-term emergency use.

If you have comprehensive insurance and want to ensure that damage to your own car is covered when someone else uses your car, you should contact us to add them as named driver to your policy.


I'm volunteering to deliver food and supplies to people who are self–isolating – will this affect my cover?

So long as you are not being paid for the service you are providing, you don't need to tell us.


I've had to close my restaurant and I want to deliver food instead – will this affect my cover?

You will need to call us to discuss, unfortunately we may not be able to cover this, but we will try our best to help.


I have Breakdown cover on my policy, am I still covered?

Yes, your car will be repaired by the roadside or recovered as normal. The mechanic will follow social distancing guidelines to protect both themselves and you.


I am a Key Worker and now travel to different locations, am I covered?

If you have been defined as a key worker by the UK Government as part of the national response to Coronavirus and you need to use your car to drive to work including different locations, your cover will not be affected and you do not need to tell us.