Leaving home without ­“reasonable excuse” may … Car insurance could be invalidated by using parking service [COMMENT] These are usually more expensive than traditional agreements and may not … A spokesperson told the Banbury Guardian: “Contrary to reports, using your car for non-essential travel will not risk invalidating your car insurance. 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. Drivers in Lancashire are being warned their car insurance may be invalid if they make non-essential journeys during the latest national lockdown. Lockdowns around the world have proved to be an effective measure to stop the spread of COVID-19. 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. 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. 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. Drivers in Lancashire are being warned their car insurance may be invalid if they make non-essential journeys during the latest national lockdown. 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. The ABI has confirmed drivers who use their car for non-essential travel during lockdown will not risk invalidating their insurance.’, To view this video please enable JavaScript, and consider upgrading to a web 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 you were to have an accident you could end up paying thousands to cover the repair. The Government has published 32 pages of regulations including exceptions to the general stay-at-home message. 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. Drivers across England are being warned that driving during lockdown could invalidate their insurance. You can unsubscribe at any time. While it’s true that you don’t need to update your current policy to add ‘commuting’ if you are now driving to work as a result of Covid-19, you should probably do it anyway. 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. Motorists have been issued a warning about their car insurance during lockdown. These purposes can include work, childcare, shopping for essential items and education, amongst others. 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." Yes, your car insurance is still valid during lockdown. ‘Operation Drive Insured’ saw all of the UK’s 43 police forces working to detect and seize uninsured cars a couple of weeks ago, so it’s entirely possible that some of the law enforcement activity affected those who didn’t have their insurance details up to date. That's because it could invalidate your car insurance during lockdown, according to experts. You can unsubscribe at any time. Will "non-essential" driving during the coronavirus lockdown invalidate your car insurance? Please read below for the full story and ignore speculation in social media or tabloid newspapers. ‘The important thing as always, is to check the terms and conditions of your policy before taking a journey that you are unsure of, to make sure you are properly protected should you need to make a claim.’. 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. Motor insurers continue to cover those using their vehicle for commuting to work and NHS volunteering without you having to first tell them. 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. How to get some of your money back The Government has published 32 pages of regulations including exceptions to the general stay-at-home message. Drivers are being warned their insurance may be ­invalid for non-essential journeys during lockdown. Anybody caught make any non-essential journeys in England could land themselves with a £200 fine. But could there be wider repercussions too? browser that You should follow Government restrictions, but if you do use your car for non-essential travel, you will not risk … An LV= spokesperson commented: ‘ Customers may have read press stories online over the weekend suggesting that car insurance policies won’t be valid in the event a driver has an accident during lockdown. Some drivers’ car insurance policies have been made invalid … That would mean that any accident could see you having to pay thousands to cover the repairs. Get your need-to-know Car insurance firms have saved billions in the past 12 months as people stayed home, cancelled trips and stopped commuting - but premiums are rising. With England currently being under lockdown until December 2, people are being told to stay at home and only leave for specific reasons. And anybody caught leaving home without a "reasonable excuse" could incur a £200 fine under Covid-19 regulations. But now according to the Mirror, making a non-essential car journey during lockdown could also invalidate car … The origin of this appears to be an insurance-switching organisation that published a press release last Friday, saying: “you may find your car insurance policy won’t cover the damage and you could end up paying thousands of pounds for repairs”. 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. We’ve put together this helpful guide with ten points to check: Part of the confusion about whether your car insurance is valid may be coming from police forces across the running a co-ordinated crackdown on uninsured drivers. 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/“. ‘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. You can unsubscribe at any time. 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. 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." 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