There has been a lot of publicity re insurance not being valid if you are using your car for what is deemed to be non essential use. LV's website seems to indicate that claims can be made as usual but there is no mention of this particular point. Has anybody actually contacted their insurer on this?

I've heard no such publicity?

https://www.cambridge-news.co.uk/news/local-news/car-insurance-driving-during-lockdown-19246083

https://www.manchestereveningnews.co.uk/news/uk-news/car-insurance-could-invalid-you-19243516

and many more.

Lots of maybe this, maybe that.

 

24 minutes ago, Wino said:

Lots of maybe this, maybe that.

 

Exactly, that's why I'm asking.

You could contact your insurance company and then let us know what they say.

Surely they would have to issue amended policies with exclusions if they wanted to do this?

4 minutes ago, Wino said:

Surely they would have to issue amended policies with exclusions if they wanted to do this?

I would have thought so if it is a change of contract. And who is to say what is essential travel? You can travel to work, you can travel for food shopping, travel to see a child....

Best people like those commenting in the media read there insurance policy T&C's and exclusions.  

I see nothing about 'Essential Use' only.  Stuff on Motorsport, Track Use, Off Road Areas.

48 minutes ago, Liger1956 said:

You could contact your insurance company and then let us know what they say.

Spoke to LV, they stated that cover will continue regardless of whether the trip is deemed essential or non essential by the police. He made a point of giving his name, time of call and the fact that the call was recorded.

Folks, I can't speak for YOUR insurers but the policies we issue (for insurers who include LV=) don't have any such exclusion.

 

I too saw an article on this in the press and it seemed to be an excuse for the 'expert' they cited to get their name in the paper. They didn't add any substance to the headline beyond a recommendation that you check with your insurer. There were no examples of anyone being refused cover or claim payout and the main thrust of the article was about what was essential travel and how much the fines were.

 

The only useful thing they said was that if you cancel your cover for lockdown, make sure the car isn't parked on the road as you could be prosecuted for that.

 

If I hear anything different in the coming days I'll post it here.

 

best,

Nick

Edited 9 November, 20205 yr by ChrisKnottIns

After discussing a minor bump on my wife’s car a few days ago, I asked for a refund due to lower than expected miles.

 

”Certainly sir, here’s £15”. 
 

Same company, 2 policies- so how much refund for my semi-idle Bear?

 

”Certainly sir, here’s another £20”.

 

You know they were never gonna call me.