Motor mileage refund

We know that many customers are driving their cars less because of lockdown. Your insurance premium is partially based on estimated mileage, so if you’re not on the road as much, it’s only fair you get some money back. If you’re driving less as a result of lockdown and your policy began before August 2020, please use this form to let us know. You may be able to temporarily reduce your weekly mileage for a refund.

I'm driving less

Unfortunately, if your policy started on or after 1 August 2020, then you won't be eligible for a premium refund, so please don’t use the refund form. However, if you still expect to drive fewer miles, then you can contact us to make a permanent change to your estimated annual mileage.

Remember though, even if you’re not driving your car, it’s a legal requirement for your vehicle to be insured, unless it has been registered with a SORN and is declared 'off the road' with the DVLA. You can find more information here: https://www.gov.uk/sorn-statutory-off-road-notification

If you do declare your car off the road and temporarily no longer require cover, we can suspend your policy. Please get in touch if you’d like to do this.

Frequently asked questions

  • Will my refund be affected if my renewal is due during lockdown?

    We're offering one refund to cover the duration of lockdown, regardless of when your renewal date is. If you're due to renew during lockdown, the refund will span both policies.

  • Will I still get a refund if I bought my policy after lockdown started?

    The refund covers the time your policy was active during lockdown. For example, if it started halfway through lockdown, your refund would be half the amount.

    Unfortunately, if your policy started on or after 1 August 2020, then you won't be eligible for a premium refund, so please don’t use the refund form. However, if you still expect to drive fewer miles, then you can contact us to make a permanent change to your estimated annual mileage.

  • Now that lockdown has ended, how will my refund be affected?

    The refund covers the whole lockdown period and the reduced mileage you told us about from 23 March until 31 July 2020. There’s no need to contact us now that lockdown has ended as we’ve assumed your mileage will return to normal (therefore your policy has not been permanently amended).

    Unfortunately, if your policy started on or after 1 August 2020, then you won't be eligible for a premium refund, so please don’t use the refund form. However, if you still expect to drive fewer miles, then you can contact us to make a permanent change to your estimated annual mileage.

  • How will my refund be paid?

    If you pay for your policy annually, we'll refund to the card or bank account you used to pay for your policy.

    If you pay for your policy monthly, we'll automatically spread the refund over your remaining monthly instalments.

    We'll process your refund within 30 days of your request.

  • How is my refund worked out?

    The refund is calculated based on the difference between the mileage you gave us when you took out the policy and the mileage you told us you were doing during lockdown from 23 March until 31 July 2020.

  • Do I need to change my mileage back again after lockdown?

    No, any change to your mileage as a result of lockdown is temporary, so there's no need to contact us when lockdown ends.

  • I'm a keyworker and used my car during lockdown. Am I entitled to a refund?

    If your mileage decreased during lockdown from 23 March until 31 July 2020, then you can apply for a refund.

  • When will I get my money back?

    Within 30 days, but we'll aim to process refunds as quickly as we can. There may be delays due to card processing times, so in some instances it may happen after we've sent you confirmation.

  • I filled in the web form, when do I find out what refund I'm due?

    You'll receive a letter confirming your refund amount once it's been processed by us, you may receive a letter before you receive the money as this depends on card processing times.

  • What if there has been a change in my circumstances and I want to permanently reduce my mileage?

    Please contact us if you want to permanently reduce your mileage. Any changes to mileage as a result of lockdown are temporary.

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Visit our Coronavirus help and support page for frequently asked questions
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Free Green Flag breakdown assistance for NHS workers

Our friends at Green Flag are offering all NHS staff free Green Flag breakdown assistance for their journeys to and from work.

Green Flag has already helped more than 300 NHS staff who have broken down, so if you need assistance with a breakdown, call Green Flag's dedicated NHS number: 0800 051 0009

They'll just need your NHS identification number when you call them and your NHS ID card to show the technician.
Find out more