Will "non-essential" driving during the coronavirus lockdown invalidate your car insurance? Further guidance from the ABI also indicates that anyone who has signed up for the NHS Volunteer Responders service will not have to update their car insurance for it to be valid. Lockdowns around the world have proved to be an effective measure to stop the spread of COVID-19. Unfortunately, this has not been helped by misinformation being spread on certain issues. This article replaces a previous version from April 2020, and has been largely re-written to address ongoing speculation about car insurance validity during the latest coronavirus lockdown. If true, this would mean that you would not be able to claim on your car insurance if involved in an accident or incident that damages your vehicle. That would mean that any accident could see you having to pay thousands to cover the repairs. Some experts have suggested your car insurance might be invalid when driving during the lockdown. You should follow Government restrictions, but if you do use your car for non-essential travel, you will not risk … A spokesperson told the Banbury Guardian: “Contrary to reports, using your car for non-essential travel will not risk invalidating your car insurance. Some experts have suggested your car insurance might be invalid when driving during the lockdown. Drivers are being warned that driving during lockdown might invalidate their insurance. At present anybody caught doing so in England could be hit with a £200 fine. While making a non-essential journey during lockdown in England this month might break the rules – or in some cases, the law – it won’t automatically invalidate your car insurance. Has Wales’ lockdown worked and what are the new rules now the firebreak is over? You should follow Government restrictions, but if you do use your car for non-essential travel, you will not risk invalidating your car insurance.”, “Further information, including the pledges made by motor insurers to support customers, can be found here as well: https://www.abi.org.uk/products-and-issues/topics-and-issues/coronavirus-hub/motor-insurance/“. This incorrect information was picked up and used for articles by several newspapers and websites over the weekend and today, including Sky News, the Daily Mirror and several regional news organistions. Here’s how to sort out the mess, New car market ends crazy year on a low note, Britain’s best-selling cars, November 2020. When asked directly by The Car Expert today (9 November), a spokesperson for the ABI said: “During lockdown the Government has advised against all but essential travel. UPDATE, November 2020: There has been a lot of confusion in recent days about whether your car insurance is still valid, fuelled by misinformation from an insurance-switching company. Will the Pfizer Covid vaccine be available in the UK and who will get it first. Motorists have been issued a warning about their car insurance during lockdown. A warning has been issued to drivers during lockdown who might have their insurance invalidated if they drive for non-essential reasons. This site uses cookies to improve your experience. Lee Griffin, CEO and one of the founders of GoCompare, said: ‘Taking a non-essential journey during lockdown could be outside of the terms of your car insurance policy and so could invalidate your insurance, but insurers have been given guidance by the Financial Conduct Authority (FCA) stating that it expects insurers to act reasonably when deciding whether or not to reject a claim made because of driving during lockdown. While making a non-essential journey during lockdown in England this month might break the rules – or in some cases, the law – it won’t automatically invalidate your car insurance. But making a non-essential car journey during lockdown could also prove even more costly a mistake than you first thought, as your insurance could be invalid if you have an accident, The Mirror reported. New driving rules explained - and how to check you’re still covered Clearing up rumours around cover for non-essential travel. By Matt Allan. Yes, your car insurance is still valid during lockdown. He added: “For any drivers who have decided to do the same for the second lockdown, it’s important that we’re taking the right steps to avoid receiving a fine when we return to the roads." But this isn’t the case. England is currently in a month-long national lockdown in a bid to slow the spread of coronavirus cases. This was also picked up by tabloid media and some other news sites. Car insurance could be invalidated by using parking service [COMMENT] These are usually more expensive than traditional agreements and may not offer the same level of protection. Leaving home without ­“reasonable excuse” may … More car insurance news and advice at The Car Expert, Used car warranty – the law and your rights, Been in a shunt? Is car insurance valid during lockdown? The Association of British Insurers (ABI) has issued a lot of advice in recent months and has set up a specific coronavirus FAQ page for car insurance questions. Could you be invalidating your car insurance? You can unsubscribe at any time. Car insurance firms have saved billions in the past 12 months as people stayed home, cancelled trips and stopped commuting - but premiums are rising. And anybody caught leaving home without a "reasonable excuse" could incur a £200 fine under Covid-19 regulations. The Government has published 32 pages of regulations including exceptions to the general stay-at-home message. MORE : Has Wales’ lockdown worked and what are the new rules now the firebreak is over? And anybody caught leaving home without a "reasonable excuse" could incur a £200 fine under Covid-19 regulations. ‘However, there are some reports that doing this could invalidate car insurance policies if a claim is made, which is both confusing and worrying for drivers who may need to use their car. He added: “For any drivers who have decided to do the same for the second lockdown, it’s important that we’re taking the right steps to avoid receiving a fine when we return to the roads." But now according to the Mirror, making a non-essential car journey during lockdown could also invalidate car … This has been my biggest worry during this time. Thanks for clearing the air! Drivers are being warned that driving during lockdown might invalidate their insurance. Stuart is the Editorial Director of our suite of sites: GAP insurance and warranty offers from ALA. Alex Kindred, car insurance expert at Confused.com confirmed to Metro.co.uk: ‘While the government have advised against non-essential journeys in England, people do still need to use their cars for commuting to work or other essential trips. https://www.abi.org.uk/products-and-issues/topics-and-issues/coronavirus-hub/motor-insurance/. Under the rules for the second national lockdown in England this month, people are being asked to stay at home as much as possible and only go out for ‘specific purposes’. England is currently in a month-long national lockdown in a bid to … But how much truth is there to these claims? Drivers across England are being warned that driving during lockdown could invalidate their insurance. Please read below for the full story and ignore speculation in social media or tabloid newspapers. If you were to have an accident you could end up paying thousands to cover the repair. But making a non-essential car journey during lockdown could also prove even more costly a mistake than you first thought, as your insurance could be invalid if you have an accident, The Mirror reported. Invalid Email. For example, we checked with car insurance providers LV=, who told Metro.co.uk that they plan on ‘supporting their customers as normal’ during lockdown. ‘This is not the case for our car insurance customers and isn’t something they need to worry about. And according to the Mirror, making a non-essential car journey during lockdown could also prove to be a costly mistake, as your insurance could be invalid if you have an accident. If you were to have an accident you could end up paying thousands to cover the repair. Would you like to stay up to date with all the latest advice, ratings, news and offers from The Car Expert? He stated that “empty roads and the current state of lockdown may distract many drivers from thinking about staying safe and legal on the roads”. Motorists have been issued a warning about their car insurance during lockdown. T&Cs | Privacy | Cookies© 2021 Immediate Network Ltd. All rights reserved. The Government has published 32 pages of regulations including exceptions to the general stay-at-home message. You can unsubscribe at any time. Drivers across England are being warned that driving during lockdown could invalidate their insurance. supports HTML5 That's because it could invalidate your car insurance during lockdown, according to experts. Rumours are swirling that making a non-essential journey in your car during lockdown that breaks the government guidelines could invalidate your car insurance. MORE : Will the Pfizer Covid vaccine be available in the UK and who will get it first? There have also been (unverified) claims on social media over the last week or so that drivers are being fined and/or issued with penalty points on their driving licences if they are using their car for commuting to work when their policy doesn’t allow it. If you were to have an accident you could end up paying thousands to cover the repair. How to get some of your money back You can unsubscribe at any time. Metro.co.uk also spoke to car insurance experts at GoCompare who explained that the Financial Conduct Authority (FCA) have issued advice to insurers to ‘act reasonably. Follow Metro across our social channels, on Facebook, Twitter and Instagram. New driving rules explained - and how to check you’re still covered Clearing up rumours around cover for non-essential travel. Even though you don’t have to worry about your car insurance not covering you for non-essential travel, it’s still important that the details you give your insurance provider are 100% accurate. 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