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The COVID-19 pandemic
We know you're concerned about what coronavirus means for you – find out how it could impact you Read more

COVID-19 - Frequently asked questions

A. Lockdown restrictions are easing and all drivers with an MOT due from 1 August are being urged to book an MOT test. This is a legal requirement. Drivers who have an MOT test due before 1 August will be granted the 6-month extension. For example, if your MOT is due on 31 July, it will be extended to 31 January 2021. If your vehicle meets the criteria for an extension, and you notice something is wrong with your vehicle, you should take it to the garage immediately. You can still be prosecuted for driving an unsafe vehicle.

A. Lockdown restrictions are easing and all drivers with an MOT due from 1 August are being urged to book an MOT test. This is a legal requirement. Drivers who have an MOT test due before 1 August will be granted the 6-month extension. For example, if your MOT is due on 31 July, it’ll be extended to 31 January 2021. If your vehicle meets the criteria for an extension, and you notice something is wrong with your vehicle, you should take it to the garage immediately. You can still be prosecuted for driving an unsafe vehicle.

A. Yes, you’re still covered for breakdowns if you are in the UK, but the RAC is practicing social distancing. This means you may have to travel in your vehicle rather than the recovery truck, or the RAC will tow your vehicle and make separate travel arrangements for you.

European Breakdown and Accident recovery is provided by the RAC and is restricted to the first 90 days of any single trip.

A. We've included commuting on all motor policies until 31 August 2020 at no extra cost, so you don't need to tell us if you've started driving to work. If you're a critical worker, you're also covered to commute to multiple locations for work.

If you still want to drive to work after the 31 August 2020, you'll need to add this to your policy which may impact your premium.

A. We automatically cover you for driving in Europe, but there are a few things to bear in mind.

As standard, we’ll cover you to travel to European countries as often as you like, for up to 180 days total in a year. Although, none of your trips can last longer than 90 days.

Unfortunately we’re unable to extend this cover if your trip is longer than 90 days.



Helping our NHS workers and community volunteers

A. Roadside – a patrol (or contractor) to attend to you and your vehicle, diagnose fault and attempt repair (where appropriate). In the event that a repair is unsuccessful or not feasible (catastrophic fault) then you will be towed to a destination within 10 miles of the breakdown.

Recovery – where a Roadside service as above does not result in your vehicle being fixed, a tow for you and up to 7 passengers to any single destination in the UK.

At home - the Roadside service, but when the breakdown has occurred at your home address (or within ¼ of a mile of that address).

If you need to use the breakdown cover, please call 0800 015 5755.

A. NHS customers will be asked to provide their NHS ID to the RAC patrol engineer. If they don’t have this on them for any reason, then a copy can be provided once they have arrived home (e.g., a photo of the ID badge sent by email).

For other enhancements, customers may be asked for a form of identification when they make a motor or home claim. They're provided at no extra cost to our customers who are NHS workers (subject to a qualifying product).

A. Any Quotemehappy.com product will be eligible.

If you need to use the breakdown cover, please call 0800 015 5755.

A. Initially for three months but we’ll review the situation as it evolves.



Home Insurance

A. Yes, we'll automatically extend the unoccupied period to 120 days due to the impact of coronavirus. Full cover will apply during this 120-day period and you won't need to pay an additional premium. We'll review this regularly as the situation develops.

A. We anticipate that many more people, likely as directed by the government and their employer, will need to work at home more frequently or even until further notice.

So people may have more home office equipment (including computers, laptops, monitors and printers) than normal at their residence.

We're therefore taking a more flexible approach to help our customers who need to work from home temporarily, but whose home contents policy does not ordinarily cover this additional equipment. The same cover applies as your policy so, for example, your chosen level of accidental damage cover will remain the same.

Where home office equipment is owned by an employer, your employer's insurance should cover any damage but we'll pay if employees are legally liable for any damage or the employer does not have cover in place.

For the next three months (from 23 March), we'll be treating home office equipment as ‘contents’ and so it'll be covered under all our home contents policies and we’ll pay up to the contents sum insured for any valid claim. All other policy terms and conditions remain unchanged.

A. We're not offering free increased accidental damage cover. You should check your cover is sufficient for your needs.



Payment deferral request

If you’re struggling financially due to Coronavirus (COVID-19) and need help, we can defer your monthly payment and spread it evenly over the remaining term of your policy. Check the eligibility criteria and important information below before requesting a payment deferral.

Eligibility Criteria
  • You have a car or home policy and you pay your premium monthly
  • The policy is active and you’ve made at least one payment
  • Unfortunately, if you have no further payments or only one further monthly payment due, we are unable to defer your payment
  • You’re the policyholder and you, your spouse/partner or the primary named vehicle driver:
    • have been made unemployed at any point after 1 March 2020, or
    • are experiencing significant financial difficulty as a result of a temporary reduction in income caused by Covid-19.
Important information
  • You can submit an application to defer one month’s payment(s) at a time, up to a maximum of three months. Any deferred payment will be spread evenly over the remaining term of your policy. This means that your overall premium will remain the same, but your monthly payments will increase.
  • Increasing the number of times you defer your payment means you are spreading your overall premium over a shorter period. This means that, when you start paying again, the amount you pay each month will be higher.
  • Failure to pay the new increased future monthly payment could negatively impact your credit rating.
  • This request will apply to all eligible home and car policies you have with us.
  • You will be requesting to defer your next payment which will be spread evenly over the remaining term of your policy. This means the overall premium will remain the same, however your monthly payments will increase. All other terms of your insurance policy will continue to apply.
  • Provided you meet the eligibility criteria, confirmation of your revised future payments will be sent to you once we have processed your request.
  • If you pay for your policy using an Aviva credit option, your total amount payable and APR as set out in your Credit Agreement will not increase. All other terms of your Credit Agreement will continue to apply. To confirm payment deferral will not impact your credit score.
  • Please don’t cancel any future payments. These will be will be updated automatically to reflect your increased payments. Payments will be taken on the same date each month using your current payment method.
  • The information you provide will be used to determine your eligibility for payment deferral. This information will not impact on premiums for future insurance policies. Please see our Privacy Policy and your Important Information document (Home / Motor) for more information about how we process your personal data and your individual rights.
  • We reserve the right to refuse your payment deferral request if you don’t meet the eligibility criteria.
  • We can withdraw the offer of payment deferral at any time.

If you decide to request a deferral, this means that you agree you have read the above information and eligibility criteria. It also means that you understand by deferring your next payment, your future payments will increase and continue to be collected using your current payment method.

This request defers your next monthly payment. If you think you need to defer future payments, you will need to apply again. You can apply for a further deferral 10 days after your last application.