Car Insurance Coronavirus Update

It's been a tough year full of uncertainty. The way you're using your car may well have changed but you can rely on Saga to support your situation. We've answered a few FAQs below to help you understand your car insurance cover.

Please note that this information is general and contains as much detail as possible, but it doesn’t replace the overall terms and conditions of your policy.

I'm using my car for volunteering, helping to deliver goods or helping people get about. Am I still covered?

If you’re using your car to support friends, family or neighbours affected by COVID-19, such as delivering groceries or medication, this has always been covered as standard under social, domestic and pleasure use (as long as you're not making a profit from it).

Saga Car Insurance already covers use for voluntary work as standard if you’re working unpaid for a UK-registered voluntary or charity organisation.

In addition, if you’ve become an NHS Volunteer Responder, your car will be covered for Community Response, Patient Transport and NHS Transport volunteering.

My work pattern has changed. Am I covered by my policy?

If you only have cover for social, domestic and pleasure use or you are a named driver, you are usually not covered for commuting (going to a single place of work). However, if you now need to commute by car to work as a direct result of COVID-19, you are now covered, and you don’t have to let us know.

If you are a key worker and you now have to travel to more than one place of work because of the COVID-19 outbreak, you are automatically covered for business use driving to multiple workplaces without the need to inform us.

If, as a result of COVID-19, you exceed your yearly estimated mileage, that’s OK. Similarly, if you’ve been furloughed or are now temporarily not working, there’s no need to tell us of this change at the moment.

If you think any changes might not be temporary beyond the end of the year, please let us know.

I've missed my car's MOT date. What should I do?

During the latest national lockdown, MOT test centres remain open and having a valid MOT certificate is still a legal requirement. The government has issued guidelines on when you shouldn't take your car for an MOT, which includes if you or someone in your household has coronavirus or if you are self-isolating. For more details, visit

Is Saga Breakdown Assistance still operating?

If your vehicle breaks down, assistance is still available 24/7. Our provider, the RAC, has special measures in place to ensure everyone is as safe from infection as possible, such as cleaning surfaces they touch. And, they’ll do their best to get you going – they currently fix 8 out 10 vehicles at the roadside.

I'm worried about paying for my car insurance, what can I do?

If you're experiencing financial difficulty as a result of COVID-19 we have some options we can explore that may help you during this difficult time, such as:

  • Reassessing your risk profile which may result in a premium reduction
  • Reassessing your demands and needs to ensure your product is still suitable
  • Reviewing payment plans available
  • Payment deferrals.

If you do need support, please call us on 0800 302 9735 and we will help you find the best solution for you.