coronavirus and car insurance: FAQs

Coronavirus and car insurance FAQs

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

This article was last updated 24th July 2020. 

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

Yes, you can be covered to drive your classic as part of the NHS GoodSAM volunteer responders scheme. We just need you to tell us which vehicle you are using, and who will be driving it. Email us in the first instance and we’ll be able to confirm your cover for driving for these purposes.

Do I still need to renew my 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. If you are concerned about renewing in time to maintain continuity of cover, give us a call on 0121 248 9229 or email us at renewalsteam@heritagecarinsurance.co.uk. Find out more about renewing your insurance policy.

My car is laid up – will it still be covered if I can’t get it 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 car because of availability shortages due to the coronavirus. However, you must keep the car off the road. As of 24th July, 90% of garages have re-opened according to government data, so it should be easier to get an MOT booked.

My car is on the road but due an MOT soon. What are the MOT rules?

The Roads minister, Baroness Vere, has announced that mandatory MOT testing will be reinstated from 1st August.

From Monday 30th March, drivers had been granted a 6 month reprieve on the requirement to MOT cars, motorcycles and light vans. This scheme will now finish at the end of July, as restrictions are lifted.

We recommend contacting your preferred garage in plenty of time, and if they cannot accommodate you, finding an alternative if your MOT is due from 1st August. If you have been granted a 6-month exemption because your MOT was due between 30th March and 31st July 2020, you can choose to book an MOT earlier than the new due date if you wish.

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

Yes, you can have your classic(s) on laid up cover as part of your multi car insurance with us. 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.

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

The rules around ‘essential travel’ have been relaxed, and there are now no specific restrictions preventing you from taking your classic out.

If you are at all concerned about your insurance cover during this period, you should contact us directly. We will update this page with any further guidance as we get it.

If you have a question about your car insurance that isn’t answered here, send us a message below and we’ll do our best to answer it for you.