Male driver wearing gingham shirt in wing mirror of car

Motor Insurance

With restriction on movement across the UK and unexpected changes to how and when we need to travel, we understand you might have questions about your motor insurance.

We’ve pulled together some FAQs which may help in the current climate.

If you’re worried about your situation, and can’t find your answer here, then remember your local Agent or Mutual Direct are here to help.

In Great Britain, MOTs due between 30th March and 31st July for all cars, light goods vehicles and motorcycles have been extended for six-months.

MOT testing resumes as normal where the MOT is due from the 1st August onwards. For vehicles where the MOT is due from the 1st August onwards, your vehicle must pass a MOT test ahead of the expiry date.

In Northern Ireland, MOT’s have been suspended until early 2021 and the authorities are issuing Temporary Exemption Certificates (TECs).

Your insurance will remain valid if your MOT has been extended, or if you have been issued with a TEC (in Northern Ireland). As lockdown eases and vehicle journeys increase, it is vital that you keep your vehicles safe and in a roadworthy condition. Please see GOV.UK for advice on how to keep your vehicle safe.

If you have to use your vehicle to travel to work, to a different location or multiple locations due to the COVID-19 outbreak, your insurance will still be valid and at no extra cost, and you don’t need to contact us to update your policy. 

Volunteering to deliver food and supplies for free to those who are vulnerable or otherwise unable to leave the house due to Coronavirus (COVID-19) is already included in your cover. You don’t need to let us know if you’re delivering food and supplies.  If you are carrying equipment (such as medicines or portable medical equipment), please note these will not be covered under your motor policy. 

Thank you for supporting your community. 

No, there's no need to update your occupation details, how you use your vehicle or your mileage. If you're transporting people, delivering medical supplies or equipment, your insurance policy is still valid. However, please note that if you are carrying equipment (such as medicines or portable medical equipment) these items will not be covered under your motor policy. If you’re doing more or less driving than usual because of your volunteer work, you don’t need to update your policy.

Thank you for volunteering for the NHS and supporting your community.

If you have to use your vehicle to travel to work, to a different location or multiple locations due to the COVID-19 outbreak, your insurance will still be valid and at no extra cost, and you don’t need to contact us to update your policy.  Thank you for all you are doing at this time. 

Additional drivers can be added to your cover.  To do this contact your local office or get in touch using our online forms.  An additional premium may be charged if there are now more drivers using the vehicle or the additional driver is younger than existing drivers.   

Although you might not be driving your car, you should consider whether you want to keep it insured, for example to cover losses as a result of fire or theft.  It’s a legal requirement to have valid car insurance unless you apply for a Statutory Off Road Notification. Please be aware that, if you do SORN your vehicle, you won't be able to leave it parked on the road.

If your car has a SORN and you want to reduce your cover from ‘Comprehensive’ to ‘Fire & Theft’ only, a pro-rata refund will be provided. If you want to amend your cover, or cancel your insurance, please contact us.

You can find more information about a SORN on the Government website.  

We are happy to announce that the face to face driving sessions with Drive Doctors for the Young Drivers Scheme will resume. In line with the Driver and Vehicle Standards Agency (DSVA) recommendations, we have implemented social distancing and safety measures for both our members and driving instructors. Please see below for full list of recommendations.

From 14th September 2020 you will be able to book your face to face driving sessions.

For the members in years one and three of the scheme that do want to resume with face to face driving sessions, please book in your driving session when you log into the Drive Doctors portal. Scheme members may also receive emails or text messages from Drive Doctors asking if they want to book in a driving session. Please ensure contact details are up to date on the portal.

For our scheme members that are not comfortable with face to face driving sessions, the Virtual Drives are still available through the Drive Doctors portal. The face to face driving sessions can be completed at a later date when you feel more comfortable.

Social Distancing and Safety Measures

PLEASE READ BEFORE BOOKING YOUR FACE TO FACE DRIVING SESSION:

To ensure that both scheme members and instructor are safe, in conjunction with Drive Doctors, NFU Mutual have created a step by step guide:

What will the Drive Doctor do?

Before the session the Drive Doctor will…

  • Contact scheme member 24 hours before their session to check that they feel well and have not knowingly been in contact with anyone who has tested positive for Coronavirus or displayed symptoms in the last 14 days
  • Talk them through the planned session and procedures

On arrival the Drive Doctor will…

  • Contact the scheme member when they arrive at the agreed location and wait outside the vehicle
  • Check that the scheme member is feeling well and that they have not been in contact with anyone who has tested positive for COVID-19 or displayed symptoms in the last 14 days
  • Sanitise their hands prior to the start of the session – before and after getting into your vehicle

During the session the Drive Doctor will…

  • Wear a mask or face covering for the duration of the session, plus gloves if this has requested
  • Follow the 1 metre plus social distancing rule when outside the vehicle
  • Observe scheme member whilst they check the vehicle prior to the drive – water and oil levels and tyre pressures - giving guidance when required
  • Avoid face to face conversations with scheme member whilst in the vehicle
  • Sanitise their hands after any breaks or after leaving the vehicle
  • Use their own pens and paper for making any notes

After the session the Drive Doctor will…

  • Give feedback – this will take place outside of the vehicle
  • Answer any questions the scheme member has from the driving session or vehicle check
  • Sanitise their hands
     

What does the scheme member need to do?

Before their session they should…

  • Be honest with the Drive Doctor when being asked about their health and possible exposure to the virus
  • Request the driving session is rescheduled for another time if they have been in close contact with anyone who has displayed possible COVID-19 symptoms in last 14 days, or who has tested positive
  • Wash or sanitise their hands
  • Follow the 1 metre plus distancing rule when outside the vehicle
  • Wear clothing which covers as much of their arms and legs as possible
  • Bring a bottled drink with them
  • Have their driving licence and MOT certificate ready to show the Drive Doctor

During their session they should…

  • Use a face covering or mask, make sure it covers their face from the bridge of their nose to their chin
  • Keep air flowing into the vehicle by leaving a window open, or partly open
  • If possible, turn on the air conditioning, but do not set it to the recirculate option
  • Avoid face to face conversations with the Drive Doctor when in the vehicle
  • Let the Drive Doctor know if they need a break at any time – any breaks will take place outside of their vehicle, so the scheme member can remove their face covering, stretch their legs and have a drink
  • Let the Drive Doctor know if they are feeling unwell

After your session they should…

  • Ask any questions regarding their session or vehicle check
  • Wash or sanitise their hands
     

Drive Doctors will not…

  • Handle the scheme members driving licence or MOT certificate, they just need to see the details
  • Demonstrate the vehicle check prior to the drive – but they will be there to observe the scheme member whilst they check their oil, water levels and tyre pressure
  • Shake the customers hand
  • Touch any of the controls inside the customers vehicle unless in an emergency situation
  • Give feedback inside the vehicle – this will take place outside the vehicle

If the scheme member develops any symptoms after their driving session, please follow the government guidelines around isolation and testing. You can find these guidelines on the gov.uk website. Please give the Drive Doctors name and number for the NHS Test and Trace programme if tested positive for COVID-19.

If the Drive Doctor develops any symptoms after the driving session, they will follow the Government guidelines around isolation and testing. Should they test positive for COVID-19 they will give the scheme members contact name and number for the NHS Test and Trace programme.

We aim to treat our customers as individuals, whilst also treating each customer fairly. Many of our motor customers are continuing to use their vehicles regularly and therefore, they don’t have a reduced level of risk. While we continue to review further ways to help, this means that taking a broad-brush approach to motor premiums would not be appropriate.

However, in order to respond to a specific customer having a change in circumstance due to Coronavirus, we can offer either a mid-term adjustment or a mid-term cancellation which, unlike many of our competitors, we offer free of charge.   

Many of our motor and business customers are already taking advantage of mid-term adjustments and we are encouraging any customer who has had a change in circumstances or is struggling financially to contact us so we can support them. For more information, please refer to the adjustments FAQ. 

Our approach as a mutual is also based on offering long term value informed by our claims experience, looking across the full year and with a holistic view across all our policies.  

This means that profit resulting from reduced claims for motor and our other insurances is reflected in the Mutual Bonus that we give to our members, which provides premium discounts at renewal and rewards loyalty. 

We expect to provide £250m worth of premium discounts to customers who renew between July 2020 and June 2021, and our Mutual Bonus has already saved our loyal customers £820m in premiums during the past five years.

The situation is constantly evolving, and our teams are continually researching and developing new ways to help our customers further across all our insurances and processes, including our motor customers. This is in addition to the £32m Coronavirus Support Package we announced a couple of weeks ago which includes £24m worth of changes to insurance, incorporating additional cover across a range of policies and speeding up claims.  

If you are no longer using your vehicle due to the lockdown, you can make changes to your policy which may reduce your premium. Unlike many of our competitors, we offer midterm adjustments or cancellations free of charge. Any refund due as a result of a midterm adjustment or cancellation would be issued according to how you currently make your payments:

  • If you pay your premium in one annual payment, the difference will be refunded to you direct
  • If you pay by monthly direct debit instalments, your monthly payments will be reduced. 

If you would like to discuss a mid-term adjustment, please contact us.