Coronavirus and Car Insurance – What You Need to Know

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Coronavirus and Car Insurance – What You Need to Know


Coronavirus and Car Insurance

The Coronavirus pandemic has affected the entire world in what feels like the blink of an eye. It has changed the way in which we work and live – and how both companies and people should be insured.

There isn’t a single industry in the world that can be considered immune from being affected by the COVID-19 lockdowns and restrictions. Car insurance is no different. Coronavirus and Car Insurance – What You Need to Know.

Coronavirus and Car Insurance

1. Not Insured? You’re Still Losing Out

If you aren’t insured when an emergency like COVID-19 strikes, it means that you are unprepared for what could happen. You could be losing out. When other industries slow down or shut down completely, your insurance (and the need for it) doesn’t.

If you need to claim in the midst of the Coronavirus pandemic and don’t have insurance, you could end up paying a lot more in cash. With temporary store closures, you might even end up having to find a more expensive auto mechanic or supplier that’s much further away than your usual.

2. Payment Relief Exists (for Some)

If you do have insurance during the Coronavirus pandemic, contact your insurance company to find out if there is any kind of payment relief plan (or temporary measures) for the period of the pandemic and after.

There are many options for payment relief during the Coronavirus pandemic. Many people just haven’t claimed from these payment relief plans for the simple reason that they aren’t aware they exist.

If you’re struggling to make ends meet during or after the Coronavirus pandemic, the first step is contacting companies such as your bank and insurance company to find out what can be done. Potential temporary payment relief is just one of the things that companies have done to help their clients.

3. Pay (Even If You’re Not Driving)

While many insurance companies have brought in payment holidays and relief for their customers, this doesn’t always mean a complete payment holiday for the period of the Coronavirus pandemic. Instead, people are still encouraged to pay their car insurance premiums even if they are granted relief.

Relief doesn’t mean skipping out on payment. If you don’t pay your insurance premiums in the same way during this period, then you take the risk of the same consequences in the event of not paying your premiums during any other time.

4. Check Your Coverage

Anyone who is insured should check their level of coverage in order to be sure what they are insured for – and when or how their insurance policies will pay out when a claim for any accident or emergency event is made.

In the event of many claims, people notice that they think they were covered for it – but later find out that they have to add cash to the claim due to the fact that they didn’t have the insurance they thought they did. This is especially important in the time of Coronavirus where people are still driving around, but driving under different circumstances.

5. Third-Party Drivers

Are you covered for any accidents that happen when someone other than the main policy holder is behind the wheel?

The Coronavirus pandemic has meant that a lot of people are unable to drive, but the same tasks still have to be completed throughout the day.

Occasionally, this means that someone else drives the car for an hour, a day or a week. If you aren’t covered for the event of other accidents like these, you could lose out in the event that a claim is necessary.

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