Customers who purchase new insurance or renew old ones are advised to purchase coverage based on their normal behavior and not on their current life under coronavirus restrictions.
Those who do not, and fill out forms for the current situation, as opposed to their ‘normal life’, could face high fees for changing the policy later in the year.
Because of the ongoing pandemic, the government has ordered people to stay at home in an effort to slow the spread of the virus.
This means that more people are at home all day and night, while car use is likely to have declined as far fewer trips are made, especially to work.
Customers are urged to take out car and home insurance based on their normal lives
The current restrictions that certain companies are temporarily closing have raised concerns about access to breakdown services, MOT tests and coverage for working from home.
However, those who buy insurance should take into account that these are special temporary measures and do so when filling out their forms as they normally would.
Go Compare general manager Lee Griffin said, “The more stringent social isolation measures announced by the government to address the spread of the virus severely limit people’s work and activities and impact their insurance policies.”
He adds, “The ever-changing situation has puzzled and worried many people about how and if they can use their car and how working from home will affect their home insurance.”
In short, insurers have automatically expanded coverage of customers who work from home for self-isolation or government advice, if their work is administrative.
Likewise, the policies of employees who have to drive to work will not be affected, nor will the insurance of people who use their own cars to deliver medicines or groceries to support others.
If you’re about to renew coverage or buy a policy for the first time, it’s important to arrange coverage appropriate for your normal life – rather than the current limitations. Otherwise, you will likely have to pay an increased premium and change fees to change your insurance when life returns to normal. ‘
This is money, use Go Compare to show which insurance services you should have access to during the pandemic – and what changes you may need to make your policy.
Coverage: Legally, if your car is on the road, even if it’s just parked, it should still be insured
Driving and car insurance
Driving should be limited to essential travel as specified by the government.
Legally, if your car is on the road, even when it’s just parked, it should be insured unless you have a legal off-road notification. That is why car insurance is a bill that you must continue to prioritize.
Drivers who purchase a new policy in the coming weeks should arrange coverage based on their usual driving habits.
If you would normally drive to work or use your car for business, you will need to cover this – otherwise you may be reimbursed for adding cover later.
Nearly nine out of ten policies have a change fee that averages £ 28 but can go up to £ 62.
Likewise, drivers were tempted to save money by reducing their existing coverage to account for their reduced driving need to be aware of the cost and they could get a double hit if they remove the coverage and then again later add.
Customers with a policy that needs to be renewed soon should not have their policy renewed without first checking if they can get a better deal.
Comparison websites are probably the best way to do this and looking around can save you hundreds of dollars a year on your account.
Even if you don’t switch, you can use your new quote to negotiate with your existing insurer.
Usually it is cheaper to pay your insurance in one go instead of a monthly direct debit.
People who can’t pay once a year can consider using a 0 percent credit card.
Roadside assistance drivers should still have access to roadside assistance from providers
The government has now confirmed that private vehicle owners will receive a six-month APK exemption.
All cars, vans and motorcycles that normally require an APK inspection are exempt from inspection from March 30, 2020.
Vehicles must be kept in running order and garages remain open for essential repair work. Drivers can be prosecuted for driving unsafe vehicles.
Drivers should still have their vehicle tested until the new regulations come into effect.
If you are unable to get a MOT because you are in isolation, the Department of Transportation is working with insurers and the police to ensure that people are not unfairly punished for things beyond their control.
Normally, the fine for not having an APK is a maximum fine of £ 1,000. The only exceptions are to drive it to or from somewhere to be repaired or to a pre-arranged MOT test.
If your MOT is now due and you isolate yourself or quarantine, you can ask someone else to have it tested, but they must be insured to drive your car.
Pause: Private vehicle owners have been exempted from the periodic vehicle inspection for six months
Roadside assistance drivers should still have access to roadside assistance from their supplier.
Repair shops are still active, but motorists should check their provider’s website for updated procedures or advice.
Cancellation insurance and SORN
Drivers who want to keep a car off the road and want to stop paying and tax and insurance must pay a SORN or be fined £ 80 for having an uninsured car.
Keep in mind that most insurers charge cancellation fees. Depending on the policy, the cost ranges from £ 11 to £ 225, the average fee is £ 58.
Administrative work from home, due to government restrictions or self-isolation, should now be automatically covered by standard home insurance.
However, if you receive business visitors while working from home, you should check with your insurer if restrictions apply.
Your home insurance is unlikely to cover business equipment, such as a laptop. Employers are usually responsible for ensuring that their equipment is insured outside the office.
Most standard home insurance policies do not cover the cost of cleaning a home, even if they are contaminated with Covid-19.
Clients of home insurance who, as a result of quarantine or unable to travel home from abroad, have left their homes empty for longer than the period stated in their policy, should contact their insurer for advice.
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