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.

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.

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.

My car is on the road but due an MOT soon. What if my garage is not open?

At the moment, garages are allowed to remain open under the new restrictions. However, it is likely that some may close due to staff shortages or other impact.

From Monday 30th March, drivers have been granted a 6 month reprieve on the requirement to MOT cars, motorcycles and light vans. MOTs for lorries, buses and trailers have already been suspended for up to 3 months. The government says all vehicles must be maintained and kept roadworthy.

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.

There’s an article here from Classic & Sports Car with some advice on how to handle MOT bookings at the moment.

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

The current government guidance is that people should only be undertaking ‘essential’ travel, i.e. to and from work if they can’t work from home and their work is necessary (more here on what that means), or if they’re shopping for ‘necessities’.

Short of taking your classic down to the supermarket, or to your place of work if you’re a key worker and have commuting on your policy, it’s not advisable to be driving your classic at this time. If you are volunteering with the NHS GoodSAM scheme, you will be covered provided you inform us so we know which car you’re using and who will be driving it.

Naturally owners are concerned about the delay to getting their cars up and running again after the winter; we all know it’s not good for cars to stand around. For the time being however, we have to stand behind government guidance and recommend that you only go out for the above reasons.

Last updated 30th March 2020 

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.