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Your Car Insurance Could Be Invalid If You Drive During Lockdown

Since the Lockdown was mandated on November 5, people have been told not to make any non-essential journeys. The lockdown is in place until December 2 meaning you are expected to meet these conditions for four weeks.

If you are caught making non-essential journeys during this lockdown period you could receive a £200 fine.

However, this isn’t the only cost you might face according to The Mirror. They have said that if you make a non-essential car journey during the lockdown period, you could be making a rather costly mistake as you may find that your insurance isn’t valid if you have an accident.

Florence Codjoe, of website Uswitch.com, said: “You could end up paying thousands for ­repairs.

"If you’re unsure about cover during lockdown speak to your insurer for clarification.”

Additionally, she warned that you shouldn’t cancel your insurance policy unless you have off-street parking. This is because it is illegal to park your car on the side of the road without a policy in place. 

The £200 fine you will face for non-essential journeys will be halved if you pay it within 14 days. However, if you repeatedly get caught your fine will be double up to the value of £6.400 if you continue to violate this law.

Specialist motoring lawyer Nick Freema said: “Essential travel is largely defined as ­shopping for necessities, picking up medical supplies, caring for a vulnerable person and getting to and from work if you cannot do so from home.”

He added: “Anything else is not really acceptable. If you have an accident and can’t prove your journey was essential your ­insurance may be void.”

John Neill, of Castle Insurance Services, said: “If it’s a non-­essential journey and being used ­outside the terms of the policy then there may be grounds for an insurer to reject a claim.”

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