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8 April

2020

By: Admin |April 8, 2020 |

Heritage Motor Insurance Covid-19 FAQs

Coronavirus and specialist car insurance: frequently asked questions, answered

Since the outbreak of the coronavirus and subsequent guidance from the UK Government, we’ve had a number of questions sent to us about how this will affect people’s specialist and general car insurance. We’ve provided answers to some of the most common questions below.

I’m volunteering with the NHS GoodSAM scheme. Am I covered to drive my classic or modified Land Rover for this?

Yes, you can be covered to drive your Land Rover as part of the NHS GoodSAM volunteer responders’ scheme. We just need you to tell your broker in advance which vehicle you are using, and who will be driving it. 

Do I still need to renew my car insurance policy during the COVID-19 restrictions?

If you want to ensure your vehicle is fully and legally covered, then yes, you do need to maintain cover, whether on the road or laid-up. If you need to make a claim, for example a theft, after your policy has lapsed, your claim will not be upheld. Without valid insurance you are also at risk of being fined for being uninsured. 

My car is laid up – will it still be covered if I can’t get out to get an MOT?

In most instances, depending on who you are insured with, your laid-up cover will still be valid against accidental damage, fire and theft if you’re not able to MOT your Land Rover because of availability shortages due to the coronavirus. However, you must keep the car off the road.

My car is insured to be on the road but is due an MOT soon. What if my garage is not open? 

At the moment, garages are allowed to remain open under the new restrictions. However, it is likely that some may close due to staff shortages or other impact, plus many drivers will not want to risk contact in the current climate.

From Monday 30th March, drivers have been granted a 6-month reprieve on the requirement to MOT cars, motorcycles and light vans. MOTs for lorries, buses and trailers have already been suspended for up to 3 months. The government says all vehicles must be maintained and kept roadworthy.

I have multi car cover but want to leave my Land Rover on laid up as I won’t be taking it out right now. Can I do this? 

You can have your Land Rover on laid-up cover as part of your multi car insurance with Heritage. In fact, you can have any of the vehicles on your multi car policy SORN and on laid-up cover within the policy. Just contact us if you need to make changes. Other providers may vary, so it’s worth checking with your insurer to make sure. 

Do the new rules mean I can’t take my classic out at the moment?

The current government guidance is that people should only be undertaking ‘essential’ travel, i.e. to and from work if they can’t work from home and their work is necessary (more here on what that means), or if they’re shopping for ‘necessities’.

Short of taking your Land Rover down to the supermarket, or to your place of work if you’re a key worker and have commuting on your policy, it’s not advisable to be driving it at this time. If you’re volunteering with the NHS GoodSAM scheme, you will be covered provided you inform your insurer so they know which car you’re using and who will be driving it.

Naturally owners are concerned about the delay to getting their non-everyday vehicles up and running again after the winter; we all know it’s not good for them to stand around. For the time being however, we have to stand behind government guidance and recommend that you only go out for the above reasons.

If you are at all concerned about your insurance cover during this period, you should contact your insurance broker directly.

We are happy to help with any insurance-related questions you may have in this time. 

Our team are available Monday to Friday, 08:30am to 5:30pm and Saturdays 9am to 1pm on 0121 248 9229 and [email protected]

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