Coronavirus and traders insurance FAQs

07 Apr, 2020

We know the coronavirus outbreak and lockdown have affected many motor traders, and businesses are having to adapt to new rules and restrictions. We’ve answered some of the most common questions coming up, to try and help you through any insurance-related queries at this time.

Do I still need to renew my policy during the coronavirus restrictions?

If you want to ensure your vehicles and business are fully and legally covered, then yes, you do need to maintain cover, whether your cars are on the road or locked up. If you need to make a claim, for example a theft, after your policy has lapsed, your claim won’t be upheld. Without valid insurance you’re also at risk of getting fined for being uninsured.

If you’re concerned about renewing your insurance in time to maintain continuity of cover, give us a call on 0121 248 9300 or email us at

Do I still need to update the MID?

It’s important to remain compliant and keep your vehicles insured. If you have customer vehicles which you’re unable to deliver and have had them in your possession for more than 14 days, please make sure you update the MID (Motor Insurance Database), otherwise the vehicle will not be covered.

If you insure through us, we can update the MID for you – just call us on 0121 248 9300 or email

Will my cars still be covered if I can’t get an MOT?

In order to keep people safe, the government have given a 6-month extension on MOT dates for cars, motorcycles and light vans for all MOTs due from 30th March onwards. This means that vehicles that have MOTs due from 30th March, will have their date moved 6 months forward – so tests due on 30th March 2020 will become due on 30th September 2020, and so on.

The main piece of guidance from is that ‘you must keep your vehicle safe to drive.’ The other thing to know is that the exemption is only being applied about 7 days ahead of the MOT due date, so your MOT due date may not change immediately.

At the moment, garages are allowed to remain open under the new restrictions, to MOT vehicles that need it including retesting vehicles that were due an MOT before 30th March. There is guidance available on providing MOT tests during the coronavirus outbreak, which advises garages to follow social distancing rules, and refuse tests to any customers exhibiting symptoms.

If you are at all concerned about your insurance cover during this period, contact us directly and we can provide advice specific to your situation.

I’m volunteering with the NHS GoodSAM scheme. Am I covered under my traders policy for this?

If you’re using your own car which is on your traders policy, you should be covered to use it for the government volunteer scheme. Please notify us if you intend to volunteer so we can ensure cover is in place. If you’re considering using other vehicles on your policy in order to volunteer, we recommend contacting us as not all insurers have issued clear guidelines on this.

We are happy to help with any insurance-related questions you have

We will do everything we can to ensure your business remains protected during these difficult times. If you have any queries about your trade policy please call us for a chat on 0121 248 9300.

Our team are available Monday to Friday, 08:30am to 5:30pm on 0121 248 9229 and