Your car insurance could be invalid if you drive during lockdown

Anyone caught driving during lockdown could be in for a shock as their insurance may not cover them if they crash.

Due to lockdown restrictions, the Government has said anyone making a non-essential journey could be given a £200 fine.

And according to the Mirror, motorists may also have to pay for any accident damage if they have a crash.

Florence Codjoe, of website Uswitch.com, said: “You could end up paying thousands for ­repairs.

“If you’re unsure about cover during lockdown speak to your insurer for clarification.”

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Anyone unsure about their insurance cover should speak to their provider
(Image: Getty Images)

She also warned drivers not to cancel insurance unless they have off-street parking.

It’s illegal to park on the road without it. The on-the-spot £200 fines halve if paid within 14 days but double for repeat offenders, up to £6,400.

Specialist motoring lawyer Nick Freeman, known as Mr Loophole for helping celeb clients facing driving charges, said: “Essential travel is largely defined as ­shopping for necessities, picking up medical supplies, caring for a vulnerable person and getting to and from work if you cannot do so from home.”

He added: “Anything else is not really acceptable. If you have an accident and can’t prove your journey was essential your ­insurance may be void.”

John Neill, of Castle Insurance Services, said: “If it’s a non-­essential journey and being used ­outside the terms of the policy then there may be grounds for an insurer to reject a claim.”

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