Coronavirus: car and motor insurance

We'll do everything we can to support you if you've been affected by coronavirus.

Please don't cancel any payments or Direct Debits. Missing a payment may mean you run the risk of your policy being cancelled and we don't want you to be left uninsured.

You can review your cover online to ensure it still meets your new circumstances. You can also change the date your Direct Debit is collected.

To help you further, we won't charge a fee to make certain changes to your policy, amend your payment dates or if you decide you need to cancel. 

We may be able to defer your monthly payment and spread it evenly over the remaining term of your policy. It’s not suitable for everyone as it means paying back higher monthly payments in the future. If you'd like to know more, you can find out if you're eligible for a payment deferral and how to apply. 

You can find free impartial advice online with the Money Advice Service.

You're legally required to ensure your vehicle remains insured, otherwise you could be prosecuted and fined up to £5,000. If you plan to keep your vehicle off the road, you can apply for a Statutory Off-Road Notification (SORN) with the DVLA and, once this is complete, you don’t legally need insurance. When you want to use your vehicle again, you’ll need to tax and insure your vehicle to avoid penalties.

We don’t offer Fire & Theft Only cover.

Your repairer will contact you to arrange delivery and collection when your vehicle is going into the repairer and when it is ready, so please let them know you’re self-isolating.

All possible steps will be taken to make sure we follow social distancing guidelines. We’ll take any excess or VAT charges over the phone before delivery.

If they’re a named driver, then they’re insured. If not, you can add them, but this may increase your premium and other fees may apply. Alternatively, they can get temporary cover on your vehicle for up to 30 days, though fees may also apply here.

Anyone with a 'driving other cars' extension on their policy could legally drive your vehicle, but we can’t advise on this.

You can call the DVLA vehicle tax service on 0300 123 3221. Your insurance isn’t affected by your road tax validity, but you legally must tax your vehicle to avoid a fine of up to £1,000.

Yes, your insurance is unaffected.

Yes, but please follow the government’s social distancing advice.

Yes. If there's no return premium we won't change the current mileage on your policy. If your renewal is due, you can requote based on the requested mileage. If you want to discuss reducing your mileage, please contact us.

Yes. Volunteering work is covered as standard by our motor policies, therefore delivering essential supplies to the elderly and vulnerable is included. 

Unfortunately, we can’t extend cover if you're being paid to deliver either food, or parcels, as part of your job whilst driving your vehicle. This is classed as Hire and Reward and is not covered under our policy.

If you're by the roadside and require immediate assistance, please contact us by telephone on 0345 030 6925. If you and your passengers are safe and your vehicle is driveable or in a safe location, please report your claim online at aviva.co.uk/make-a-claim or via the MyAviva app.