Car Insurance Coronavirus Update

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.

If you're a Saga Car Insurance customer and your circumstances have changed recently, such as your car's mileage or class of use, you can make these changes on MySaga. It could reduce your premium, and it will allow us to give you a more accurate quote at renewal.

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 are now more permanent in nature, please let us know.

Coronavirus (COVID-19): getting an MOT

You need to get an MOT for your vehicle as usual.

Do not take your vehicle to an MOT centre in person if:

If you cannot take your vehicle in person

Some MOT centres will collect your vehicle for the MOT and then return it. Contact an MOT centre to see if this service is available.

You can also get someone else to take your vehicle into a test centre if you insure them on your vehicle.

If you cannot get your vehicle collected or taken in for you, you must wait until you’re no longer self-isolating to take it into a test centre.

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

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

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.