Your car insurance will NOT be invalid for non-essential journeys says ABI following contrary claims


Your motor insurance WILL be valid if you choose to drive non-essential car journeys during the second lockdown, says ABI spokesperson following contrary claims.


A spokesman for the Association of British Insurers (ABI) said: "Contrary to press reports, whilst you should follow Government restrictions, using your car for non-essential travel will not risk invalidating your car insurance.”

The comments come after it was claimed motorists could end up paying "thousands" for repairs if they are involved in an accident during a non-essential trip.


The comments come after it was originally claimed that motorists involved in an accident during lockdown could end up paying out thousands in repairs if the journey was deemed non-essential.

Since last week new national lockdown measures apply in England replacing local COVID-19 alert levels.


Government officials says that everyone must avoid travelling within the UK or internationally and stay at home. The only exceptions include:

  • travelling to work where this cannot be done from home

  • travelling to education and for caring responsibilities

  • hospital, GP and other medical appointments or visits where you have had an accident or are concerned about your health

  • visiting venues that are open, including essential retail

  • exercise, if you need to make a short journey to do so.

Originally Florence Codjoe of Uswitch.com offered advice to vehicle owners during the second UK lockdown, saying: “Non-essential car journeys during November could result in a £200 fine. If you have an accident while you’re out, you may find your car insurance policy won’t cover the damage and you could end up paying thousands of pounds for repairs. 

“If you’re unsure about cover during the lockdown period then speak to your insurer for clarification. Also, check the Government’s website to confirm what is considered essential and non-essential travel.”


These claims have since been rejected by the ABI, however police will still be able to take action against those making non-essential journeys by issuing fixed penalty notices starting at £200.


People aged 18 or over can be fined £200 for the first offence, lowered to £100 if paid within 14 days, and £400 for the second offence, then doubling for each further offence up to a maximum of £6,400.

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