We’ll process your refund within 30 days of your request. LV is now doing the same, though its refunds won’t be automatic. But Direct Line launched a Mileage Moneyback scheme in October, which allows customers to register their current and final mileage and be offered a refund for any difference in pricing based on usage. Some insurers refunded drivers money from their premiums during the first lockdown in March – and you may be able to do so again as a result of the latest restrictions. Which car insurance companies are offering relief? However, one thing that hasn’t changed is the need for car insurance if you intend to drive, whether in or out of local or national lockdown. "The Sun", "Sun", "Sun Online" are registered trademarks or trade names of News Group Newspapers Limited. By Andy Wilson PUBLISHED: 07:42, Fri, May 1, 2020 There are no guarantees you’ll be refunded as you entered into a contract at the start of your policy. In spring 2020, during the Coronavirus lockdown, Admiral motor customers helped to save lives by staying at home. To receive The Sun's Coronavirus newsletter in your inbox every tea time, sign up here. In fact drivers have been warned they could invalidate their insurance if they make unnecessary journeys. Unfortunately not. A spokesperson for the Association of British Insurers told the Sun: ‘Your motor insurer can advise on any options that may help reduce your premium, or if you are worried about  being able to continue to pay premium instalments. If your policy is due to renew in the next week and you haven't opted for auto-renewal, please call us. The firm says it's making £30 million available for refunds due to the reduced number of claims it … Get Britain's best-selling newspaper delivered to your smartphone or tablet each day - find out more. But this isn't the case with all insurers therefore it depends who you bought your insurance from. If you pay for your policy monthly, we’ll automatically spread the refund over your remaining monthly instalments. It is possible to apply for a Statutory Off Road Notification (SORN) if you are no longer using your car on public roads. A spokesperson said: "Premiums are calculated to cover expected costs over the 12 months of a customer’s policy. How to get a refund on your car insurance during the Covid crisis metro.co.uk - Sian Elvin. If you have opted for auto-renewal, check your insurance still meets your needs, you don't need to contact us in order to renew. For more stories like this, check our news page. However, there are no guarantees you will get a refund. Tower CEO, Richard Harding, said that every customer would be refunded part of the car insurance premiums they paid during the level three and four lockdowns. LV are … "To keep things simple for our customers we’ll automatically revert to their normal mileage from their next renewal date," the spokesperson added. In the US some insurers have started offering discounts of 15 per cent for policyholders. During the first lockdown Admiral automatically gave all its customers a £25 premium refund. The refund is the equivalent of 15 percent of an average bill for two months, the company said. If your cover came with your car, bank account or insurance, you’ll need to speak to a member of the team on 0333 2000 999. Admiral to issue £25 refund to all customers If you hold a car or van insurance policy with Admiral, then you're in luck. 21st Century: 25% discount on premiums in April. Car insurers don’t have to pay them as you have entered in a contract for a year to pay for the policy. When our patrol arrives, please keep a safe distance of at least two metres away For further details of our complaints policy and to make a complaint please click this link: thesun.co.uk/editorial-complaints/, Comments are subject to our community guidelines, which can be viewed, Motorists might be able to ask for refunds if they're driving drops, Since March 23 the UK has been on lockdown after, In fact drivers have been warned they could, “As long as you’re reducing mileage by at least 1000 miles annually, and you’re not already on a particularly low estimated annual mileage, a refund will generally be available. Insurer LV is giving its customers with car and motorbike policies the chance to claim a refund of between £20 and £50. This service is provided on News Group Newspapers' Limited's Standard Terms and Conditions in accordance with our Privacy & Cookie Policy. To see all content on The Sun, please use the Site Map. The pandemic may change the way you drive, insure and maintain your car. Motor insurance refund of premium FAQ Why are AXA making this payment? We are making this payment as a result of lower claims volumes experience due to COVID-19 restrictions. Some are coming as cheques in the post, and others are coming as credits towards future payments. … The coronavirus crisis has meant many people have been paying for things they can’t use at the moment – from season tickets to gym memberships. We understand you may not have been using your vehicle as much as usual due to coronavirus (COVID-19). MOTORISTS across the country might be eligible for a refund off their annual car insurance costs because of the coronavirus outbreak. Contact the Citizens Advice consumer helpline if you need more help - a trained adviser can give you advice over the phone or by email. There hasn’t been an equivalent announced in the UK but some insurers have said they may give refunds. There may also be extra benefits and support for key and NHS workers. "Any premium adjustments or refunds will be a matter for individual insurers.”. If you are struggling to pay your insurance, whether that’s monthly or annually, contact your provider and let them know. A spokesperson said: “If a customer believes that their mileage will be a lot lower than originally estimated at the start of their policy, they can contact us and we can process a refund. Ambulances now waiting 9 hours to pass patients to hospitals, Covid rulebreakers rescued from mountain after getting stuck in heavy snow, Nurseries could close and face masks made compulsory in tougher lockdown. MOTORISTS across the country might be eligible for a refund off their annual car insurance costs because of the coronavirus outbreak. And now the looser tier system has been done away with and the country has been plunged into a full lockdown enforcing ‘stay at home’ orders, this is the case even more so at the beginning of 2021. The coronavirus crisis has meant many people have been paying for things they can’t use at the moment – from season tickets to gym memberships. It told the Sun this won’t be repeated but said ‘any changes in our claims experience will be reflected in our pricing for motor customers’. Direct Line, for example, which has more than five million customers and includes the brands Green Flag, Privilege and all the Nationwide insurance products, said it would consider refunds in some circumstances. Kiwi insurer, Tower, has today confirmed that it will be refunding customers $7.2m, due to the lower cost of car claims during the COVID-19 lockdown period. If approved this means you no longer need to buy insurance for your car, but it also means you won't be able to use it. All insurers are offering support to customers in financial difficulty due to the pandemic such as switching to a different sort of cover or arranging payment breaks. Since March 23 the UK has been on lockdown after Boris Johnson ordered all non-essential shops to shut and told people to stay at home unless going out to buy food or medical supplies, for exercise, or for work. “We’re a Kiwi company and look after our customers, so after seeing a … Lines open 24/7. Coronavirus (COVID-19) Car insurance FAQs I haven’t been using my car much during lockdown. And at first, things looked fine, with some issuing full-month or … While there has been a six-month break from MOTs, nothing has yet been announced around insurance costs. We want to reassure you that whilst we are all doing things slightly differently right now, we’re doing everything we can to keep you updated on how coronavirus (COVID-19) affects your insurance. Admiral are offering all motorists a £25 refund in a total package worth £110million or around a month's income from car insurance premiums. This applies to all sections of cover including, but not limited to: 5 June 2020. Can I get a refund for mileage on my car/motorbike insurance if I haven't been using my vehicle? But all insurers are offering options for those struggling financially in the pandemic. Independent Press Standards Organisation (IPSO). Our patrols will still attend breakdowns, but we may need extra details from you. Here's what you need to know about coronavirus car insurance refunds. If you pay for your policy annually, we’ll refund to the card or bank account you used to pay for your policy. Coronavirus guidance and advice: Car insurance. One of the UK's biggest motor insurance companies, Admiral, is giving a £25 refund to customers as cars and vans sit idle in the coronavirus pandemic. We believe that giving claims savings back to customers during the COVID-19 pandemic is the right thing to do. This includes for essential trips such as going to buy food or medicines and it would no longer be covered for damage or theft. to transport medicines or groceries to those in need, or to take those that may be ill or vulnerable to hospital or testing facilities until 03/12/2020. A number of insurers here have agreed to discount premiums or give refunds to motor customers in recognition of an expected reduction in the volume of claims during the Covid-19 emergency. There is sometimes an admin fee for changing  policy half-way through so it's worth checking if one would apply if you do reduce your mileage. Can I get a refund for this? If you plan to keep your vehicle off the road, you can apply for a Statutory Off-Road Notification (SORN) with the DVLA and, once this is complete, you don’t legally need insurance. They should be able to offer some help which could mean lowering your payments. If your insurer hasn’t been mentioned above and you’re not sure on their policy, it may be worth asking anyway. Interest and payments on car finance deals can be frozen. Petrol costs have fallen significantly because of the outbreak and are now down to almost £1. Big Macs to McNuggets — make your own McDonald's meals at home with our top tips, B&M is selling reusable chip cones for £1 so you can have your takeaway at home, Bans on bailiff evictions extended across England, Wales and Scotland, Amazing new Co-op deal means you can fill up your freezer for just £5, Costa has 50% off all food in January including the new beanz and cheese toastie, ©News Group Newspapers Limited in England No. How is COVID-19 affecting driving and car insurance? To follow us on Facebook, simply 'Like' our Coronavirus page. CAR INSURANCE companies are being put under pressure to refund customers during the Covid-19 coronavirus stay-at-home orders. The company is also waiving any claims excess fees for NHS or emergency service workers, and is offering them a free courtesy vehicle if it is required. 679215 Registered office: 1 London Bridge Street, London, SE1 9GF. The move, which had been expected to come into force on Wednesday 13 May, means insurers are expected to allow policyholders to defer costs temporarily, while keeping cover in place on car, home, travel, private medical, life, income protection and accident and sickness policies, to … A spokesperson said people can fill out an online form to request a refund if they haven’t signed up for this. latest news, feel-good stories, analysis and more, Dad who won £58,000,000 in lottery takes friends on extravagant trip to Dubai, Matt Hancock ‘absolutely backs’ police who fined women walking in park, Covid-denier ‘arrested for refusing to leave bench’, Police spotted ‘breaking’ lockdown rules with group breakfast inside café, Every adult to be offered Covid vaccine by autumn, full lockdown enforcing ‘stay at home’ orders. It's a legal requirement to have car insurance for your car if you are using public roads, and when you buy the policy you are doing so with the assumption you'll use it for a year. View our online Press Pack. A spokesperson for the ABI explains: “The law requires that all vehicles on the road must be insured, and even during lockdown, many private motorists will need to use their vehicles for essential travel, and need to be fully insured. They may be able to move your trip to a different date or provide you with a refund. The group, Britain’s biggest car insurer, said it would return £110m to its policyholders – a £25 refund for each car and van it covered as of 20 April, a total of 4.4m vehicles. Car insurance firms have saved billions in the past 12 months as people stayed home, cancelled trips and stopped commuting - but premiums are rising. "If a customer has a concern or is struggling to pay their monthly payment, then they should contact us by email or by telephone to discuss their circumstances.". CAR insurance questions have been doing the rounds due to the coronavirus lockdown - but can you get a refund on your policy? Banks are also handing out interest-free overdrafts to some of up to £500. In recent days, there has been a call for car insurance companies to lower or refund premiums due to COVID-19-related lockdowns. A spokesperson for the Association of British insurers said: “Your motor insurer can advise on any options that may help reduce your premium, or if you are worried about  being able to continue to pay premium instalments. We asked Aviva, for example, what the case was for policyholders. According to some estimates traffic on UK roads has decreased by 80% since the lockdown began, with drivers being allowed to leave the house for one of four specific reasons only.. Insurance claims have plummeted in tandem with the number of drivers … Get your need-to-know interest-free overdrafts to some of up to £500. You could also be eligible for a partial refund on your car insurance and travel cover premiums. The Sun website is regulated by the Independent Press Standards Organisation (IPSO), Our journalists strive for accuracy but on occasion we make mistakes. To help answer your questions, we’ve pulled together some guidance below for each of our policies and continue to update these pages as things develop. And although those who have cars are still using them a little, for example, to go to the supermarket, you’re probably not getting as many miles out of it as you’d like. Although no blanket changes have been made, it may still be worth contacting your insurer to ask the question if you feel your annual mileage will be far lower than estimated. In recognition of this, we refunded £110 million of insurance premiums to our car and van customers and committed millions of pounds more to reducing prices and supporting our customers, NHS staff and the local community. More than 20 major car insurers in the US are doing the same, giving out billions of dollars of refunds, ranging from 15% to 25%, on premiums for April and May. "Even if you do not drive during lockdown, you will still need to be protected against theft, vandalism and damage.". In New York the credits were applied in May and June. We were delighted to give back £110 million to our car and van … These FAQs will help answer some of the questions or concerns you may have about how the Coronavirus might affect your insurance. The Financial Conduct Authority (FCA), the … “As long as you’re reducing mileage by at least 1000 miles annually, and you’re not already on a particularly low estimated annual mileage, a refund will generally be available.". Find out what the AA's response is to the coronavirus (COVID-19) pandemic. You can try to get a refund from your card provider at the same time as starting your insurance claim. Don't miss the latest news and figures - and essential advice for you and your family. ‘Any premium adjustments or refunds will be a matter for individual insurers.’. Mailme. “Your motor insurer can advise on any options that may help reduce your premium, or if you are worried about  being able to continue to pay premium instalments. If you purchased your insurance or booked your trip – whichever was later – on or after 5 October 2020, there's no cover available under the cancellation section for FCDO advice that's due to COVID-19 or a pandemic, regardless of when this advice was issued. But even though most drivers can't use their cars, they will still be paying for car insurance along with other costs including tax. Car Cover for Volunteers: Car insurance use is extended beyond normal personal use for our customers helping within their community for voluntary purposes; e.g. News Corp is a network of leading companies in the worlds of diversified media, news, education, and information services. But unlike Admiral's recent flat-rate refund to customers, you'll only be eligible for money back from LV if you've been financially affected by coronavirus in specific ways. Occasionally though there is an admin fee for changing policy halfway through the contract – but this might be waived in the circumstances. If you're not eligible for our Green Heart Support and would like to discuss your options, please give us a call on 0800 085 5608 and we'll see what we can do to help. Get in touch with our news team by emailing us at webnews@metro.co.uk. Your travel insurance has a general exclusion for Covid-19 and anticipated events so as of 19:30 on 17 March 2020, any new or rescheduled trips won't be covered against losses due to Coronavirus. Esure is also offering refunds for customers whose mileage is lower than expected, and an Aviva spokesperson said customers who are driving ‘significantly less’ can also review their mileage. Martin Lewis urges holidaymakers to check travel insurance and hotel policies due to coronavirus, Boris Johnson ordered all non-essential shops to shut, invalidate their insurance if they make unnecessary journeys. Here we explain how you could get a refund on your policy costs. How to get some of your money back The current lockdown means most drivers are paying for their cars while not actually using them but it may be possible to claim some of these costs back. How to get a refund on your car insurance during the Covid crisis Sian Elvin Friday 8 Jan 2021 3:37 pm Share this article via facebook Share this article via twitter Share this article via messenger This may include switching cover or arranging payment breaks. In the spring, insurance companies were happy to say they would be refunding some premiums due to the COVID-19 pandemic. To inquire about a licence to reproduce material, visit our Syndication site. You're legally required to ensure your vehicle remains insured, otherwise you could be prosecuted and fined up to £5,000. Or at least, as much as you’re paying for on your car insurance. It's still a legal requirement to have car insurance if your vehicle … Statutory Off Road Notification (SORN) if you are no longer using your car on public roads. The insurer explained it has always been possible for customers to change their mileage mid-way through a policy but this is usually because of a permanent change in circumstances whereas at the moment it is likely to be a temporary one. For other inquiries, Contact Us. MOTORISTS across the country might be eligible for a refund off their annual car insurance costs because of the coronavirus outbreak. You can only get a refund from one of them - if you keep the money from both it could be fraud. … Lines open 24/7. • Progressive Insurance, whose corporate headquarters are in the Cleveland suburb of Mayfield Village, Ohio, gave a 20 percent credit on April and May premiums to customers with personal auto insurance. “Customers who have changed their estimated mileage for the year due to COVID-19 will not need to get back in touch with us to reverse the temporary change. 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