Coronavirus - Frequently Asked Questions
As the impact of coronavirus is felt across the UK, you may have concerns about how it could affect you and your car insurance policy. Your peace of mind is still our top priority. So, we’ve put in place some frequently asked questions to support you.
Car Insurance and COVID-19 frequently asked questions
- 1. Jump to I can't work from home and must drive to my work - do I need to extend my car insurance?
- 2. Jump to I’m volunteering and using my own vehicle to help others – do I need to extend my car insurance?
- 3. Jump to I’m a key worker and now using my vehicle for work – do I need to extend my car insurance?
I can't work from home and must drive to my work - do I need to extend my car insurance?
No. If you now need to drive to your workplace, your insurance cover is still valid. You don’t need to contact us to change or extend your cover.Back to top
I’m volunteering and using my own vehicle to help others – do I need to extend my car insurance?
If you’re using your own private car for voluntary purposes to transport medicines or groceries to support others who are impacted by Covid-19; your cover will not be affected. You don’t need to contact us to update your cover.Back to top
I’m a key worker and now using my vehicle for work – do I need to extend my car insurance?
If you’re a key worker and using your own car to drive to different locations for work purposes because of the impact of COVID-19, your cover won’t be affected. You don’t need to contact us to update your cover.Back to top
My MOT is due and I can’t get this completed – am I still covered?
Earlier this year, the Government extended MOT due dates for cars and light vans that fell between 30 March –31 July 2020 by six months.
This meant that, for example, if your vehicle’s MOT was due on 24 April, your MOT due date would have been automatically extended to 24 October. Your next MOT should then be booked and completed by this new date.
Pre Covid-19 MOT requirements resumed on 1 August 2020. This means, if your MOT due date is on or after 1 August 2020, you must get the test done for your vehicle by this date. Vehicle owners are no longer eligible for a six-month MOT extension.
Drivers eligible for the six-month extension are still required to properly maintain their vehicle and keep it in a roadworthy condition.
Providing you keep your vehicle safe to drive, your cover is not affected.
I’m worried that I might not be able to continue to make my payments – can you help?
Yes, we’re here to help. We’re aware that there may be an impact on people’s livelihoods due to COVID-19. If you think you may be unable to maintain your regular policy payments, please contact us as soon as possible.
Call us on 0344 209 0471.
Our opening hours are Monday-Saturday, 8am-6pm.
We have specialists on hand who can discuss your individual circumstances and agree how we can help with your financial situation. There are several ways we may be able to help including; moving your payment dates, agreeing partial payments or payment holidays in the short term and removing any fees applied to your policy.
Don’t wait until you miss a payment as we can help you in advance. We ask that you don’t cancel your payments or direct debits as this can result in your policy being cancelled and we don’t want you to be left uninsured, please get in touch with us in the first instance.Back to top
If you have a query that is not covered in our frequently asked questions, please contact our Webchat service which is available Monday to Saturday 8am-6pm and Sunday 10am-4pm.
Halifax is a division of Bank of Scotland plc. Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Bank of Scotland plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628.
Halifax Car Insurance is underwritten by a panel of insurers and is arranged and administered by BISL Limited who are an independent intermediary authorised and regulated by the Financial Conduct Authority. Registered in England No 3231094.