Whether you call it lockdown or quarantine, if you’re a driver, you’re probably on the road less because of Coronavirus.
Your insurance premium is partially based on estimated mileage, so if you’re driving less, you may be able to temporarily lower your premium by reducing your expected weekly mileage.
That means you could be entitled to a refund. If your mileage has changed, use this form to let us know.
I'm driving less
Remember though, even if you’re not driving your car, the law says it must 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.
If you're a DriveXpert telematics customer, you don't need to do anything. We’ll refund you for any reduced mileage during the Coronavirus lockdown. We’ll update you soon.
If you need more information, have a look at our lockdown refund FAQs:
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.
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.
The refund will cover the whole lockdown period. We've calculated the refunds based on the reduced mileage you have told us about, and the fact that we're expecting reduced car usage to continue for up to six months. There's no need to contact us when lockdown ends as we've assumed your mileage will return to normal (therefore your policy has not been permanently amended).
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.
The refund is calculated based on the difference between the mileage you gave us when you took the policy out and the mileage you declare you're doing in the lockdown period.
No, any change to your mileage as a result of lockdown is temporary, so there's no need to contact us when lockdown ends.
If your mileage has dropped as a result of lockdown, then you can apply for a refund.
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.
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.
Please contact us if you want to permanently reduce your mileage. Any changes to mileage as a result of lockdown are temporary.
Visit our Coronavirus help and support page for frequently asked questions
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