Is my insurance invalidated if I drive during lockdown?

During this unprecedented lockdown situation, there have been plenty of questions arising for motorists.

Many of them have become clearer as time has gone on and the government has clarified certain situations, but in recent days there has been mounting concern and speculation that motorists that aren’t on an essential trip could be invalidating their insurance.

However, fortunately, that is not the case. The Association of British Insurers (ABI) has issued a lot of advice in recent weeks and has set up a specific coronavirus guidance page.

Within this guidance, the ABI says: “Your cover will not be affected if you drive during the lockdown period. However, all motorists should follow Government advice and avoid non-essential travel.”

Meanwhile, a spokesperson for car insurance company Aviva, told the PA news agency: “Yes, the ABI are correct: your insurance is valid if you drive – we have not made any changes to our cover.”

Further guidance from the ABI also indicates that anyone who has signed up for the NHS Volunteer Responders service will not have to update their car insurance for it to be valid. However, if you are a Community First Responder or other ‘Blue Light’ volunteer, you should contact your insurer or broker to inform them.

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