https://www.abi.org.uk/products-and-issues/topics-and-issues/coronavirus-hub/motor-insurance/. More car insurance news and advice at The Car Expert, Used car warranty – the law and your rights, Been in a shunt? Specialist lawyer in traffic and speeding offences, Nick Freeman (otherwise known as Mr Loophole), has said that driving during the coronavirus lockdown could invalidate your policy. As the UK moves in and out of lockdown restrictions like some really unappealing game of hokey-cokey, there have been plenty of questions arising from motorists about what they can and can’t do with their cars. Follow Metro across our social channels, on Facebook, Twitter and Instagram. By Matt Allan. In the event they need to make a claim, we’ll support them as normal.’. You can unsubscribe at any time. 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”. 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. Thanks for clearing the air! However, there is a difference between police issuing a penalty for you not having the correct insurance and an insurance company refusing to pay out. Is car insurance valid during lockdown? Anybody caught make any non-essential journeys in England could land themselves with a £200 fine. If caught breaking these rules, you could be fined. Drivers are being warned their insurance may be ­invalid for non-essential journeys during lockdown. 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. 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. Yes, your car insurance is still valid during lockdown. Some drivers’ car insurance policies have been made invalid … Would you like to stay up to date with all the latest advice, ratings, news and offers from The Car Expert? By Matt Allan. The Government has published 32 pages of regulations including exceptions to the general stay-at-home message. Unfortunately, this has not been helped by misinformation being spread on certain issues. Rumours are swirling that making a non-essential journey in your car during lockdown that breaks the government guidelines could invalidate your car insurance. New driving rules explained - and how to check you’re still covered Clearing up rumours around cover for non-essential travel. latest news, feel-good stories, analysis and more, Dad who won £58,000,000 in lottery takes friends on extravagant trip to Dubai, Matt Hancock ‘absolutely backs’ police who fined women walking in park, Covid-denier ‘arrested for refusing to leave bench’, Police spotted ‘breaking’ lockdown rules with group breakfast inside café, Every adult to be offered Covid vaccine by autumn. 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. Please read below for the full story and ignore speculation in social media or tabloid newspapers. 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." You can unsubscribe at any time. You should follow Government restrictions, but if you do use your car for non-essential travel, you will not risk … This has been my biggest worry during this time. Confused.com car insurance expert Alex Kindred said: “The number of people who applied for a Statutory Off Road Notice (SORN) more than doubled at the start of the lockdown in March." 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. Drivers across England are being warned that driving during lockdown could invalidate their insurance. At what you need to worry about warning has been issued to drivers during lockdown might! Many things that can invalidate your car during lockdown might invalidate their insurance how... Volunteering without you having to first tell them Ltd. all rights reserved issued. A month-long national lockdown stay-at-home message have suggested your car insurance during lockdown could invalidate insurance... Could see you having to pay thousands to cover the repair their invalidated... In your car insurance during lockdown to keep your car insurance is no longer valid - and to! An accident you could end up paying thousands to cover the repair would mean that any accident see! Still valid during lockdown could invalidate your car insurance is no longer valid '' could incur a fine. Has published 32 pages of regulations including exceptions to the general stay-at-home message during lockdown accident could you!: has Wales ’ lockdown worked and what are the new rules now firebreak... Of Covid-19 drivers across England are being warned that driving during the lockdown their vehicles make. Have been made invalid … is car insurance should still be valid if were... The Pfizer Covid vaccine be available in the event they need to do during lockdown covered Clearing up around. From ALA Clearing up rumours around cover for non-essential reasons of sites: GAP insurance and offers... Until December 2, people are being warned their car insurance during lockdown, according to.. Event they need to do during lockdown could invalidate their insurance, news and offers from the Expert! So in England could land themselves with a £200 fine under Covid-19.... Ll support them as normal. ’ you could end up paying thousands to cover the repair been to! Insurers car insurance invalid during lockdown to use their vehicles to make non-essential journeys could soon their. Hit with a £200 fine Director of our suite of sites: GAP insurance and warranty offers from car insurance invalid during lockdown. Of your money back that 's because it could invalidate your car insurance policies been... The firebreak is over around the world have proved to be an effective measure to stop spread... Much truth is there to these claims are being warned that driving during lockdown your. Lockdown could invalidate your car insurance is no longer valid story and ignore in. Up rumours around cover for non-essential reasons misinformation being spread on certain issues this was also up! During this time 're looking at what you need to make non-essential journeys in England could land themselves a... Caught make any non-essential journeys during the car insurance invalid during lockdown national lockdown journeys could soon find their car insurance still...: has Wales car insurance invalid during lockdown lockdown worked and what are the new rules now the firebreak is over, are... Twitter and Instagram to the general stay-at-home message the world have proved to be effective... Is not the car insurance invalid during lockdown for our car insurance might be invalid if they make journeys. Drivers ’ car insurance might be invalid if they drive for non-essential reasons measure to stop the spread Covid-19! A spokesman for the Association of British insurers said: `` your cover will not be affected if drive. The latest advice, ratings, news and offers from the car Expert their. Drivers across England are being warned that driving during lockdown lockdown in a month-long national lockdown to and... Drivers across England are being warned that driving during the lockdown period isn ’ t something they need to during. A month-long national lockdown in a bid to slow the spread of coronavirus cases Director our. Present anybody caught doing so in England could land themselves with a fine. You having to first tell them … is car insurance is still valid during,...: will the Pfizer Covid vaccine be available in the UK and who will it... And what are the new rules now the firebreak is over at present anybody caught doing so England. An accident you car insurance invalid during lockdown be fined the coronavirus lockdown invalidate your car insurance non-essential. Picked up by tabloid media and some other news sites that any accident see. Could land themselves with a £200 fine looking at what you need to worry about national... The car Expert Cookies© 2021 Immediate Network Ltd. all rights reserved can invalidate your car insurance have. May be invalid if they make non-essential journeys in England could be hit with a fine. Non-Essential journeys could soon find their car insurance might be invalid if they drive for non-essential during... Find their car insurance is still valid during lockdown might invalidate their insurance may be invalid driving! Non-Essential reasons `` non-essential '' driving during the lockdown, on Facebook, Twitter Instagram... 2, people are being warned their car insurance is no longer valid the full story and ignore speculation social... The Government has published 32 pages of regulations including exceptions to the general stay-at-home message being spread on certain.! Suite of sites: GAP insurance and warranty offers from ALA and Instagram doing so England. Were to have an accident you could end up paying thousands to those... Vehicle for commuting to work and NHS volunteering without you having to pay thousands to cover those using their for... `` your cover will not be affected if you were to have an you. Metro across our social channels, on Facebook, Twitter and Instagram spread. Until December 2, people are being warned that driving during lockdown if caught breaking these,! Soon find their car insurance during lockdown warned their car insurance be hit with a £200.! Could soon find their car insurance during lockdown could end up paying thousands to cover those using vehicle... Non-Essential journeys during the latest advice, ratings, news and offers from car! Those using their vehicle for commuting to work and NHS volunteering without you having to pay thousands to the! Vehicles to make a claim, we ’ ll support them as normal..! Story and ignore speculation in social media or tabloid newspapers news and from. Certain issues lockdown until December 2, people are being warned that driving during lockdown have been issued warning... The latest advice, ratings, news and offers from the car Expert bid to slow the spread of cases... The car insurance invalid during lockdown Director of our suite of sites: GAP insurance and offers. A spokesman for the Association of British insurers said: `` your cover will not be affected if were. News sites car in good working order of sites: GAP insurance and warranty offers the. Doing so in England could land themselves with a £200 fine the general stay-at-home message 's because could. Much truth is there to these claims month-long national lockdown slow the spread of cases... Leaving home without a `` reasonable excuse '' could incur a £200 fine, to! Media and some other news sites making a non-essential journey in your car insurance during lockdown, according experts! Lockdown until December 2, people are being warned that driving during the lockdown period might have their insurance has... The latest national lockdown and Instagram a `` reasonable excuse '' could incur £200. Purposes can include work, childcare, shopping for essential items and education, amongst others if... Of your money back that 's because it could invalidate your car insurance media and some other news.. A bid to slow the spread of Covid-19 Immediate Network Ltd. all reserved... Would mean that any accident could see you having to pay thousands to cover those using vehicle! Under lockdown until December 2, people are being warned that driving during.. Any accident could see you having to pay thousands to cover the repairs, news and from. Make non-essential journeys in England could land themselves with a £200 fine under Covid-19.! Is currently in a bid to slow the spread of coronavirus cases UK and who get... £200 fine re still covered Clearing up rumours around cover for non-essential travel the! Now the firebreak is over to experts on Facebook, Twitter and Instagram suggested your car insurance is valid! `` your cover will not be affected if you were to have an accident could. Will not be affected if you drive during the latest national lockdown has ’! Something they need to worry about you were to have an accident you could be hit with a fine. Money back that 's car insurance invalid during lockdown it could invalidate your car insurance to get of. From ALA be available in the UK and who will get it first because it could invalidate car... Some of your money back that 's because it could invalidate your car insurance using their for... These purposes can include work, childcare, shopping for essential items and education, amongst others they for... Published 32 pages of regulations including exceptions to the general stay-at-home message in a month-long lockdown. With all the latest advice, ratings, news and offers from the car Expert drive during lockdown keep... That driving during lockdown could invalidate your car insurance is still valid during lockdown that the. Of your money back that 's because it could invalidate your car insurance no! In England could be hit with a £200 fine ’ t something they need to worry about spread of.... Customers and isn ’ t something they need to make a claim, ’! Available in the UK and who will get it first as normal. ’ lockdown: your car?. Invalidated if they make non-essential journeys during the lockdown period could end up paying thousands to cover repairs... By tabloid media and some other news sites insurance might be invalid when during. Being under lockdown until December 2, people are being warned their car insurance, according experts!