insurance invalid for non-residential journeys under lockdow

[RichALee]

I saw this in the local rag. Is there any truth to the suggestion that insurers may refuse to pay out if the determine your journey didn't fall into 'essential' category according to Covid lockdown restrictions?

[agtlaw]

No.

[drdino]

Saw that as well, jumping on the clickbait covid bandwagon I reckon.

https://www.devonlive.com/news/uk-world-news/drivi...

[agtlaw]

ABI:

https://www.abi.org.uk/products-and-issues/topics-...

Edited by agtlaw on Sunday 8th November 19:11

[drdino]

^straight from the horse's mouth. Rags indeed.

[Terzo123]

agtlaw said:

ABI:

https://www.abi.org.uk/products-and-issues/topics-...

Edited by agtlaw on Sunday 8th November 19:11

Fairly alarming though they advise that you don't need to inform your insurance company if you start using your vehicle for commuting as a result of covid.

Good luck with that if you get stopped by the police driving to your work and you only have SDP cover.

[TwigtheWonderkid]

Terzo123 said:

agtlaw said:

ABI:

https://www.abi.org.uk/products-and-issues/topics-...

Edited by agtlaw on Sunday 8th November 19:11

Fairly alarming though they advise that you don't need to inform your insurance company if you start using your vehicle for commuting as a result of covid.

Good luck with that if you get stopped by the police driving to your work and you only have SDP cover.

All insurers have agreed to include commuting on policies that don't include it if that commuting is purely due to covid situation. And providing you did disclose that you were in employment as opposed to being a housewife, retired etc.

So the ABI advice is quite right.

[Terzo123]

TwigtheWonderkid said:

All insurers have agreed to include commuting on policies that don't include it if that commuting is purely due to covid situation. And providing you did disclose that you were in employment as opposed to being a housewife, retired etc.

So the ABI advice is quite right.

Their advice hasn't helped several people recently when the insurance company have confirm at the roadside to the police that they aren't covered for commuting on their policy.

Not a situation I'd like to find myself in. Hence why I dont particularly like this advice.

[Sebring440]

Terzo123 said:

Their advice hasn't helped several people recently

Source for that?

[kestral]

Terzo123 said:

Their advice hasn't helped several people recently when the insurance company have confirm at the roadside to the police that they aren't covered for commuting on their policy.

Not a situation I'd like to find myself in. Hence why I dont particularly like this advice.

And why is the ABI qualifying things? They could just state that policies will not be affected by covid, but they don't they give situations where it is OK. So that implies there are situations where it's not.

[CanAm]

And from the newspaper article linked to:-

Specialist motoring lawyer Nick Freeman 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. Anything else is not really acceptable. If you have an accident and can’t prove your journey was essential your ­insurance may be void.”

Perhaps he should stick to getting football managers off speeding offences with feeble excuses

[AlexRS2782]

Isn't this the same crap that came out during Lockdown 1 but, probably as a result of some Facebook reposting the past week, is just being repeated all over again?

Didn't Freeman get called out on his claims being a load of crock and, as above, told he should go back to what he normally does - i.e defending his celeb clients?

[Psycho Warren]

surely to make a policy void during lockdown, insurers would have to issue a policy ammendment formaly to all policy holders to make it legal. they certainly wouldnt rely on the sum class tabloids to spread the word.

[Pit Pony]

Psycho Warren said:

surely to make a policy void during lockdown, insurers would have to issue a policy ammendment formaly to all policy holders to make it legal. they certainly wouldnt rely on the sum class tabloids to spread the word.

🤗🤗🤗
Indeed.

[anonymous-user]

For the 947th millionth time ...

THERE IS NO ESSENTIAL TRAVEL RULE.

You can go out for any reasonable purpose.

[Alucidnation]

Breadvan72 said:

For the 947th millionth time ...

THERE IS NO ESSENTIAL TRAVEL RULE.

You can go out for any reasonable purpose.

This is the thing, especially with LD2.

The rules are so fking loose, anything could be reasonable purpose!

[anonymous-user]

It was pretty much so the first time around, but people did not know that. People wrongly assumed that the Gov had the power to rule by decree and took ministerial statements as the law.

Even now many people still misunderstand the position and go on about essential etc.

[W124Bob]

Manchester Evening News has a similar "Your Insurance Could be Invalid" story. I wont link it has it's a poor web page dominated by clickbait.

[TwigtheWonderkid]

Psycho Warren said:

surely to make a policy void during lockdown, insurers would have to issue a policy ammendment formaly to all policy holders to make it legal.

And they could only do that at renewal. You have both entered into a contract, and one side cannot unilaterally amend a contract mid term.

[bigandclever]

W124Bob said:

Manchester Evening News has a similar "Your Insurance Could be Invalid" story. I wont link it has it's a poor web page dominated by clickbait.

It has, and they quote the Daily Mirror as the source. This balls is gaining traction (again).