DonPeffers Posted November 9, 2020 Share Posted November 9, 2020 09 nov 2020 https://www.cambridge-news.co.uk/news/local-news/car-insurance-driving-during-lockdown-19246083 "Car insurance during lockdown: Driving during lockdown could make your car insurance invalid". "Your car insurance could be invalid if you drive during the lockdown, experts have warned.". "The reason why your insurance could be invalid is based on the reason for your journey. Essential travel is allowed, such as getting food and home supplies from the supermarket, but many other non-essential activities are not allowed". "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.” 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.” also 09 nov 2020 https://www.cambridge-news.co.uk/news/local-news/reasons-allowed-leave-home-lockdown-19246053 "Full list of 29 reasons you're allowed to leave home in lockdown" 29 reasons you're allowed to leave home in lockdown England). 1 If it is ‘reasonably necessary’ to “buy goods or obtain services from” businesses that remain open - either for yourself, household members, or a “vulnerable person” or their household member. 2 To withdraw or deposit money in a bank or building society or similar business. 3 To “take exercise outside”, either alone, with members of your household or support/childcare bubble, or with one person from another household. Under this exemption, there must just be two of you in total - though kids under 5 don’t count towards the limit. 4 To attend a place of worship (though they’re only staying open for private prayer). 5 To attend a Remembrance Sunday event. 6 To visit estate or letting agents or show homes; view properties to buy or rent; prepare a property to move, buy, rent or sell; or move house. 7 To visit someone in your support bubble or childcare bubble. A childcare bubble is when two households join together for informal childcare for a child under 13. 8 To pick up takeaway food or drink. 9 To visit a waste disposal or recycling centre. 10 To attend work, education or training, or provide voluntary or charitable series, if it’s not reasonable to do so from home. 11 To provide care or assistance to a vulnerable person. 12 To provide emergency assistance to any person. 13 To fulfil a legal obligation, including attending court or satisfying bail conditions. 14 To access social services, DWP services, victim of crime services, and asylum and immigration services and interviews. 15 If you’re an elite athlete, to continue training or competition. 16 To seek medical assistance, including to donate blood, attend medical trials or take Covid tests or a vaccine. 17 To avoid injury or illness or escape risk of harm. 18 To be with a mother giving birth, at her request. 19 To visit a household, close family member or friend who is being treated in hospital, a hospice or care home (local rules on visits permitting). 20 To attend a support group, including for domestic abuse victims, addicts and LGBT people, or provide or receive respite care. 21 To visit a household, close family member or friend you reasonably believe is dying. 22 To attend a funeral or wake, or burial ground or garden of remembrance, though there are limits on the numbers who can attend. 23 To attend a marriage or civil partnership, but again there are strict limits on numbers. 24 To allow children with separated parents to move between those two parents’ homes. 25 There are also certain exemptions for children in care and those preparing to be adopted. 26 To visit a vet. 27 To walk or otherwise exercise your pet. 28 To return home if you were on holiday before the lockdown came into force. 29 To visit a close family or friend in prison. How do we feel about the above? Link to comment Share on other sites More sharing options...
Terry Everall Posted November 9, 2020 Share Posted November 9, 2020 Thats ridiculous Are Insurance companies going to contact everyone and reduce premiums due to limited vehicle use and minimal mileage !!!!!! If its not in your policy or you have not been contacted then I would think they are on thin ice Link to comment Share on other sites More sharing options...
DonPeffers Posted November 9, 2020 Author Share Posted November 9, 2020 AFAIAA only UK Admiral and LV so far offering partial refunds regarding covid and less car use and mileage. https://www.which.co.uk/news/2020/05/car-insurance-during-lockdown-can-you-get-a-refund-payment-holiday-or-cheaper-premium/ Link to comment Share on other sites More sharing options...
Quinten Posted November 9, 2020 Share Posted November 9, 2020 11 minutes ago, DonPeffers said: view properties to buy This should cover you at all times... What a nonsense 1 Link to comment Share on other sites More sharing options...
DonPeffers Posted November 9, 2020 Author Share Posted November 9, 2020 1 minute ago, Quinten said: This should cover you at all times... What a nonsense Yes item 6 should do. Link to comment Share on other sites More sharing options...
TAFKARM Posted November 9, 2020 Share Posted November 9, 2020 20 minutes ago, DonPeffers said: 09 nov 2020 https://www.cambridge-news.co.uk/news/local-news/car-insurance-driving-during-lockdown-19246083 "Car insurance during lockdown: Driving during lockdown could make your car insurance invalid". "Your car insurance could be invalid if you drive during the lockdown, experts have warned.". "The reason why your insurance could be invalid is based on the reason for your journey. Essential travel is allowed, such as getting food and home supplies from the supermarket, but many other non-essential activities are not allowed". "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.” 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.” also 09 nov 2020 https://www.cambridge-news.co.uk/news/local-news/reasons-allowed-leave-home-lockdown-19246053 "Full list of 29 reasons you're allowed to leave home in lockdown" 29 reasons you're allowed to leave home in lockdown England). 1 If it is ‘reasonably necessary’ to “buy goods or obtain services from” businesses that remain open - either for yourself, household members, or a “vulnerable person” or their household member. 2 To withdraw or deposit money in a bank or building society or similar business. 3 To “take exercise outside”, either alone, with members of your household or support/childcare bubble, or with one person from another household. Under this exemption, there must just be two of you in total - though kids under 5 don’t count towards the limit. 4 To attend a place of worship (though they’re only staying open for private prayer). 5 To attend a Remembrance Sunday event. 6 To visit estate or letting agents or show homes; view properties to buy or rent; prepare a property to move, buy, rent or sell; or move house. 7 To visit someone in your support bubble or childcare bubble. A childcare bubble is when two households join together for informal childcare for a child under 13. 8 To pick up takeaway food or drink. 9 To visit a waste disposal or recycling centre. 10 To attend work, education or training, or provide voluntary or charitable series, if it’s not reasonable to do so from home. 11 To provide care or assistance to a vulnerable person. 12 To provide emergency assistance to any person. 13 To fulfil a legal obligation, including attending court or satisfying bail conditions. 14 To access social services, DWP services, victim of crime services, and asylum and immigration services and interviews. 15 If you’re an elite athlete, to continue training or competition. 16 To seek medical assistance, including to donate blood, attend medical trials or take Covid tests or a vaccine. 17 To avoid injury or illness or escape risk of harm. 18 To be with a mother giving birth, at her request. 19 To visit a household, close family member or friend who is being treated in hospital, a hospice or care home (local rules on visits permitting). 20 To attend a support group, including for domestic abuse victims, addicts and LGBT people, or provide or receive respite care. 21 To visit a household, close family member or friend you reasonably believe is dying. 22 To attend a funeral or wake, or burial ground or garden of remembrance, though there are limits on the numbers who can attend. 23 To attend a marriage or civil partnership, but again there are strict limits on numbers. 24 To allow children with separated parents to move between those two parents’ homes. 25 There are also certain exemptions for children in care and those preparing to be adopted. 26 To visit a vet. 27 To walk or otherwise exercise your pet. 28 To return home if you were on holiday before the lockdown came into force. 29 To visit a close family or friend in prison. [b] How do we feel about the above?[/b] Its click bait for Facebook thickos. 2 Link to comment Share on other sites More sharing options...
CraigHew Posted November 9, 2020 Share Posted November 9, 2020 I got a refund ftom Admiral earlier this year on my pick up truck. Only £25 but a nice gesture. I think small refunds are sensible and show goodwill. I also think if you're driving during lockdown for any other reson than the 29 above, its reasonable in the event of an accident to have your insurance questioned. We're all intelligent enough to invent loopholes that we can deploy to justify driving our Westfields for pure pleasure, but that simply doednt help the fight against the pandemic. Its a personal situation with a need for moral reflection. The alternative is to abandon all rules and let nature take its course. Just my personal thought... Link to comment Share on other sites More sharing options...
Steve (sdh2903) Posted November 9, 2020 Share Posted November 9, 2020 2 minutes ago, CraigHew said: driving our Westfields for pure pleasure, but that simply doednt help the fight against the pandemic Neither does it cause any further transmission of the virus. 1 Link to comment Share on other sites More sharing options...
DonPeffers Posted November 9, 2020 Author Share Posted November 9, 2020 6 minutes ago, Rush Muntersport said: Its click bait for Facebook thickos. Proof required. Are you saying Sky News https://news.sky.com/story/coronavirus-motorists-told-insurance-might-be-invalid-for-non-essential-trips-during-lockdown-12128401 are at the same angle and are the quotes attributed to Florence Codjoe of Uswitch.com and Lawyer Nick Freeman bogus? Link to comment Share on other sites More sharing options...
CraigHew Posted November 9, 2020 Share Posted November 9, 2020 3 minutes ago, Steve (sdh2903) said: Neither does it cause any further transmission of the virus. Unless you break down, Unless you're involved in a RTA Unless you visit a petrol station. etc, etc. If we simply justify ways to avoid the lockdown, then surely we should just not bother with a lockdown.. Link to comment Share on other sites More sharing options...
TAFKARM Posted November 9, 2020 Share Posted November 9, 2020 4 minutes ago, DonPeffers said: Proof required. Are you saying Sky News https://news.sky.com/story/coronavirus-motorists-told-insurance-might-be-invalid-for-non-essential-trips-during-lockdown-12128401 are at the same angle and are the quotes attributed to Florence Codjoe of Uswitch.com and Lawyer Nick Freeman bogus? I refer you to the words “could” and “may”, not “shall” and “will”, and yes, proof most certainly required! 1 Link to comment Share on other sites More sharing options...
jim_l Posted November 9, 2020 Share Posted November 9, 2020 Clickbait, I agree. I have a document that describes what I am covered for and when, it makes no mention of whether a journey is essential or not. The terms of my insurance haven't changed. The mirror article cleverly says "If it’s a non-essential journey and being used outside the terms of the policy .." Something to put in the paper, no merit whatsoever. 1 Link to comment Share on other sites More sharing options...
Steve (sdh2903) Posted November 9, 2020 Share Posted November 9, 2020 8 minutes ago, CraigHew said: Unless you break down, Unless you're involved in a RTA Unless you visit a petrol station. etc, etc. If we simply justify ways to avoid the lockdown, then surely we should just not bother with a lockdown.. All of which could happen whilst doing anything on the bulls*** list. I could also be mown down whilst out walking the dog. Fall in a ditch whilst out jogging Fall off my push bike getting my exercise. If you start thinking and living that way you may as well just give up. Link to comment Share on other sites More sharing options...
DonPeffers Posted November 9, 2020 Author Share Posted November 9, 2020 5 minutes ago, Rush Muntersport said: I refer you to the words “could” and “may”, not “shall” and “will”, and yes, proof most certainly required! So is the quote attributed to Specialist motoring lawyer Nick Freeman bogus? No insurance claim is pre-judged so will depend on the claims papers submitted hence phrases like may void cover. Link to comment Share on other sites More sharing options...
TAFKARM Posted November 9, 2020 Share Posted November 9, 2020 3 minutes ago, DonPeffers said: So is the quote attributed to Specialist motoring lawyer Nick Freeman bogus? No insurance claim is pre-judged so will depend on the claims papers submitted hence phrases like may void cover. I'm not saying the quote is bogus. Link to comment Share on other sites More sharing options...
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