At the end of March the Government put out a call for 250,000 volunteers to help support the NHS. The GoodSAM project was already up and running – but the Coronavirus pandemic has seen an urgent need to increase volunteer numbers to help deliver essential supplies to those self-isolating, transport patients, deliver medical supplies or just to chat and check-in on vulnerable individuals at risk of loneliness.
In a show of national unity the GoodSam numbers increased by over half a million in a matter of days and continues to grow. It was a truly incredible demonstration of how much we value the NHS.
But with thousands and thousands of private individuals using their personal car for, essentially, business activities would this invalidate their car insurance?
Most private car insurance policies are based purely on social, domestic & pleasure purposes. This allows you to drive your car privately, for your own personal use. Things like going to the shops, collecting family members or friends and commuting between your home and your place of work or study are all covered by this class of cover.
Would these volunteers need to extend their insurance to cover business use? And, potentially, see a rise in their annual insurance premiums?
Well, the good news is that the Association of British Insurers (ABI) have confirmed that their members (essentially all insurers that offer insurance within the UK) have agreed to cover these activities under an individual’s existing policy . You do not need to contact your insurer to update your documents or extend your cover.
Laurenz Gerger, Motor Insurance Policy Adviser at the ABI, said: “Motor insurers understand that this is an incredibly difficult time for British families. Insurers are doing the right thing to support those who are volunteering to help fight the Coronavirus pandemic. Volunteers who are giving up their time to help can rest assured that they do not need waste time on the phone to let their car insurer know that they are using their car to do volunteer work.”
“Volunteers who are giving up their time to help can rest assured that they do not need waste time on the phone to let their car insurer know that they are using their car to do volunteer work”
In fact the ABI have gone further with a five point plan to support those affected by Covid-19. The plan includes support for those working from home, supporting those who need to make a claim and support for key-workers. You can read more about the five points here.