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Should Motorist Insure their Vehicles During Lockdown

Today one of the UK's largest insurers Admiral announced they will be giving a £25.00 refund to all their customer with vehicle insured with them pre April 20, 2020.  This will also apply to their subsidiary companies.  While this is a fantastic customer service move and is a great act of social responsibility should you even bother insuring a vehicle during lockdown?

Today millions of personal and business use vehicles will sit in a garage or on a drive today, the engine will not turn over and many birds and neighbourhood cats will find cosy place to rest on it. And it will likely be the same tomorrow, so is insurance a luxury we can ill-afford.  In 2012 the rules in the UK changed, previous to 2012 motorist only need insurance to drive but in 2012 that changed to any vehicle in a public place had to be insured.  But do you really need that vehicle?

An alternative solution especially for households with more than one vehicle is to SORN the vehicle which is an acronym for swearing the vehicle not in use and taking it off the public road, storing it either on private property or a rented garage space. Many households only require one vehicle at the moment so taking other vehicles off the road could be a good way to save on tax and insurance even in the short term.

Additionally it may be worth checking with your insurance company about any possible discounts for lower use, many policies are based on average mileage done on the vehicle over the course of a year, if this is the case insurers my accept a lower prediction and reduce the yearly charge. No guarantees but if they don’t it may be time to find a more responsible insurance company.

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