Our latest underwriting questions

Pledge Removal from 31 August

Commuting Use

Our short-term commuting cover extension for those who need to drive to work instead of taking public transport ends on 31 August. If your customers need to use their car to drive to work after then, please make sure they have the right cover in place for commuting.

 

Business Use

The temporary business use for some key workers using personal vehicles for essential work (instead of company vehicles) also ends on 31 August. Your customers will not be able to use their car to travel to more than one workplace after that date. If they need that facility, they will now have to get additional cover for business use. Business use does not include deliveries of food or any other goods unless part of a voluntary arrangement and not for profit or reward.

 

Volunteering

If your customers were using their own vehicle for voluntary purposes, such as transporting medicines or groceries to help people impacted by Covid-19, their cover will continue at no extra cost. Please check the wording of the volunteer agreement. If you’re not sure if they are still covered, please contact us.

 

Policy changes

Your customers now need to advise you of any changes to their policy as soon as they can. This in accordance with the policy wording general condition. This includes changes of car, employment changes (whether due to Covid-19 or not), changes of address, convictions, claims and how you use your car.

 

Mileage and customers abroad

Don't forget your customers will need to review and update their mileage if they are using their car more after lockdown. And, for customers abroad, the normal policy limits will apply.

 

MOT and SORN

Remember, customers can't drive or park their car on the road if their MOT has expired. Also, if they declared their car off road via SORN and cancelled their policy, don't forget they will need to insure the car before they start using it again.

 

My client is helping with volunteering (local authority/scheme or friends/family) to deliver food and/or medicine/prescriptions to self-isolating/elderly/vulnerable people. Are they covered for this?

During lockdown the insurance industry made a pledge to support customers who were using their own cars for voluntary purposes by providing cover for these activities at no extra cost. This pledge has now become part of the industry’s volunteer commitment. AXA is signed up this agreement. If your customers are using their own vehicle for voluntary purposes, such as to transport medicines or groceries to support others who are impacted by Covid-19, this will continue to be covered at no extra cost. The wording can be checked by looking at the  volunteer agreement here.

My client has joined the NHS Volunteer Responder scheme which includes community response and patient transport – are they covered?

During lockdown the insurance industry made a pledge to support customers who were using their own cars for voluntary purposes by providing cover for these activities at no extra cost. This pledge has now become part of the industry’s volunteer commitment. AXA is signed up this agreement. If your customers are using their own vehicle for voluntary purposes, such as to transport medicines or groceries to support others who are impacted by Covid-19, this will continue to be covered at no extra cost. The wording can be checked by looking at the volunteer agreement here.

My clients policy information has now changed, do I need to amend the policy?

Your customers now need to advise you of any changes to their policy as soon as they can in accordance with the policy wording General condition. This includes changes of car, employment changes (whether due to COVID or not), changes of address, convictions, claims, mileage and how they use their car.