Motorists have warned that their car insurance may stop covering non-essential travel while the coronavirus is locked


Despite the widespread travel restrictions currently in place as part of the coronavirus lockdown, the latest data suggests that traffic is increasing.

But while some people may have started to use their vehicles on the road, an auto lawyer is now warning them that those who go against government directives could reverse their policy.

Using your car to visit friends, family or make more than one essential trip a day could mean that you are not following your car insurance.

In short, this means that if you have an accident, no damage will be covered.

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Police were also forced to warn people against using their cars to get to the parks for their daily exercise.

It comes after a woman was slapped with a £ 660 fine for refusing to give a reason for her public release, reports the Mirror.

But Nick Freeman, the lawyer, who became known as Mr. Loophole, after helping a string of famous clients avoid driving costs, said that making non-essential trips could in fact mean that the driver was not insured.

He said, “Essential travel is broadly defined as buying basic necessities, collecting medical supplies, caring for a vulnerable person, and returning to work if you cannot do it from your home. home.

Prime Minister Boris Johnson told the British people that he “should stay home”, with these exceptions:

  • Purchases for basic necessities, such as food and medicine, which should be as infrequent as possible
  • Some form of exercise per day, such as running, walking or biking – alone or with members of your household. Police said you should not go to this place

  • Any medical need, or to provide care or to help a vulnerable person

  • travel to and from work, but only when it cannot be done from home

Even when doing these activities, you should minimize the time spent outside the home and make sure you are two meters away from anyone outside your home, says the NHS.

“Everything else is not really acceptable, so if you have an accident and can’t prove that your trip was essential, your insurance may be canceled. “

There is also a warning regarding motorists whose MOTs have expired and are involved in accidents.

Due to the current lockdown, car owners whose MOT was due received a temporary six-month extension.

All cars, vans and motorcycles that would typically require a MOT test have been exempted, although vehicles must be kept in good working order, and garages will remain open for essential repair work.

These measures have been put in place for those who have to leave their homes to pick up essential items, such as food and medicine, or to go to work if you are a key worker.

But Freeman said drivers would still be responsible if they were involved in an accident caused by the defective condition of their car.

“The MOT sabbatical is not an exit clause for tires without a tread, defective brakes or defective suspension. You can’t hide behind the fact that you couldn’t have a MOT done, ”he said.

“It is the responsibility of the motorist to ensure that their vehicle is in good working order. Otherwise, you could face everything from penalty points and a fine to jail depending on the allegation.

“If your car has not had a MOT due to the six-month sabbatical rule, you should notify your insurance company as this may affect your premium and you may find that your policy is canceled. “


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