Key workers warned over car insurance policy changes next week

An important warning has been issued to thousands of key workers about their car insurance policy following the relaxation of measures during lockdown.

The Association of British Insurers (ABI) confirmed that temporary measures introduced to make it easier for key workers to travel to work will end next week.

The extra support, which came into effect last March, has meant that those people who needed to use their own car for work, or to drive to different locations for work, caring and for volunteering purposes, would automatically have their insurance extended to include those tasks.

It also meant that the policyholders didn’t have to contact their insurer themselves to update their documents or extend their policy.

However, members of the ABI have now reviewed their position and issued updated guidance as restrictions continue to ease in England.

From Friday (April 30), if you are using your car for work or to commute to work, you will have to notify your insurer to ensure your policy includes this, the Mirror reports.

Most insurers will continue to support drivers using their own cars for voluntary purposes at no additional cost.

Ryan Fulthorpe, motoring expert at GoCompare, said: “To reflect changes in driving behaviour as commuting and driving between different workplaces starts to pick-up, insurers have reviewed their position.

“From May, drivers who insured their car only for social, domestic or pleasure purposes, but following the pandemic now use their car to travel to work, will have to upgrade their cover.”

He added: “Following the end of insurers’ pledges to automatically extend cover during lockdown, it’s essential that drivers make sure their car insurance covers them for their new normal usage.

“If a motorist fails to declare that they drive to work, or drive as part of their work, this could invalidate their insurance and, driving without insurance carries severe penalties.”

“So, if you’ve started driving to work since the pandemic and you are unsure whether you’re covered, the best thing to do is to contact your insurer immediately so your policy can be updated if necessary.”

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Lancs Live – Cumbria