How do you get money back on your car insurance during the Covid crisis?

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You may not be able to use your car much in lockdown, but you may be able to save some money (Photo: Metro.co.uk)

Due to the coronavirus crisis, many people have paid for things they can’t use right now – of the season tickets to gym subscriptions.

And now the looser system has been abolished and the country is plunged into a full lockdown enforcing ‘stay at home’ orders, this will be even more the case in early 2021.

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And while those who have cars still use them a little, say to go to the grocery store, they probably won’t get you as many miles as you’d like.

Or at least as much as you pay for your auto insurance.

Some insurers have refunded drivers money from their premiums during the first lockdown in March – and you may be able to do this again due to the latest restrictions.

Which insurers reimburse?

During the initial lockdown, Admiral automatically returned a Β£25 bounty to all of its customers.

It told the Sun it won’t be repeated but said “any changes to our claims experience will be reflected in our pricing for motorcycle customers.”

People are using their cars less after being told to stay home during the lockdown (Picture: Getty Images)

The company also waives any excess claims for NHS or emergency services, offering them a free replacement vehicle if needed.

But Direct Line launched a Mileage Moneyback scheme in October, which allows customers to record their current and last mileage and get a refund for any price difference based on usage.

A spokesperson said people can fill out an online form to request a refund if they haven’t signed up for it.

Esure is also offering refunds for customers with lower-than-expected mileage, and an Aviva spokesperson said customers who drive “significantly less” can also view their mileage.

How do I request a refund?

If your insurer is not listed above and you are unsure of their policy, it may be worth asking anyway.

An administration fee is sometimes charged for changing the policy midway through the contract, but this may be waived under the circumstances.

Many roads are now practically empty due to the third nationwide lockdown (Picture: PA)

A spokesperson for the Association of British Insurers told The Sun: ‘Your car insurer can advise you on options that can help you lower your premium, or if you are concerned about being able to continue paying premiums.

‘Any premium adjustments or refunds are a matter for individual insurers.’

There are no guarantees that you will be reimbursed as you entered into a contract at the start of your policy.

But all insurers offer options for those who are struggling financially during the pandemic.

Think of switching coverage or arranging payment interruptions.

All insurers provide support to customers experiencing financial difficulties due to the pandemic, such as switching coverage or arranging payment interruptions.

There may also be additional benefits and support for key and NHS staff.

Contact our news team by sending an email to: webnews@metro.co.uk.

For more stories like this, check our news page.

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