Coronavirus: car and motor insurance

Continuous Insurance Enforcement (CIE) legally requires your vehicle to always be insured, otherwise you could be fined up to £5,000 and prosecuted. 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 it to avoid penalties.

If your new vehicle quote hasn’t been accepted, you don’t need to do anything else and the quote will expire.

If your new vehicle quote was accepted, the standard mid-term adjustment (MTA) process will apply meaning the premium returns to the original price.

Your policy automatically provides the minimum level of cover required by law in any country listed in the Continental Use section of your policy booklet.

If you have previously chosen to extend your cover in the listed countries by purchasing Foreign Use we'll extend your cover free of charge until you can return or your renewal date - whichever comes first. If you renew your policy with Aviva while you're still abroad and you keep the Foreign Use add-on, you'll still be covered. If you choose to insure with another insurer at renewal, please ensure you have the relevant insurance cover in place to drive in the country / countries required to allow you to return to the UK.

If we have previously agreed to extend your cover to a country not listed in the Continental Use section please contact us to discuss your cover.

We’ll still fully cover your vehicle until garages re-open if the endorsement was applied to your policy.

Be aware that we’re not currently accepting policies for new vehicles that need a security tracker and can’t get one fitted at the moment.  

We don’t offer Fire & Theft Only cover.

Many of our accident repair centres are still open as garages and body shops are classified as 'Essential Businesses' by the government. We’re working closely with the repairers in our network to make sure we support them to get you back on the road.

If your vehicle is in one of our closed repair centres, they should’ve contacted you with the information you need.

Your repairer will contact you to arrange delivery and collection and 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 you’ve moved temporarily because of coronavirus, you don’t need to tell us. If it’s a permanent move, you must tell us as soon as possible as it may affect your premium.

Yes, we’re still here to help if you have an accident. All our repairers that are open are following government guidelines in relation to COVID-19. Our aim is to protect you, our customer, the personnel involved in repairing your vehicle and your property.

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.

No, this won't affect your policy. 

Yes, your insurance is unaffected.

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

Driving tests have been suspended across mainland UK for three months from 21 March and in Northern Ireland from 20 March until 20 June. You can still drive your insured vehicle, but you must follow provisional licencing rules to comply with your policy terms. If you’re a key worker, you can request an emergency test.

Yes, but if there is no return premium we’ll keep 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.

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 are 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 are 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 in a safe location and/or driveable, please report your claim online at aviva.co.uk/make-a-claim or via the MyAviva app.

Yes, you’re still covered for breakdowns, but the RAC is practicing social distancing. This means you may have to travel in your vehicle rather than the recovery truck, or the RAC will tow your vehicle and make separate travel arrangements for you.

We’ve added commuting cover to all motor policies throughout the COVID-19 situation, so you don’t need to tell us if you’ve started driving to work.

If you’re a critical worker, you’re also covered to commute to multiple locations for work.

If you still want to drive to work after the current situation ends, you’ll need to add this to your policy which may impact your premium.

Any vehicle provided to you on behalf of Aviva will be following government guidelines on sanitisation and hand over of the vehicle.

Please speak to your legal representative who’ll have full information about your claim.

Your insurance isn’t affected if you don’t have a valid MOT. However, your vehicle should still be roadworthy during this time and you should get an MOT as soon as possible.

If your vehicle isn’t roadworthy, you continue to drive it and there’s clear evidence this directly caused a claim, it may affect the outcome of any payments made.