Motorists will probably be aware that there are various classes of motor insurance with these being based upon what you use your car for. This is one of the factors that effects how much you pay for your cover. During the pandemic, many motor insurance companies have sometimes provided their policyholders with some flexibility in this respect.
For instance, one class of insurance is social, domestic and pleasure with this providing cover to include travelling to one place of work or to drive to the railway station so that you can then complete the rest of the journey by car. During the pandemic, many motor insurance companies have been allowing motorists to travel to more than one place of work on the same day under that class of insurance when normally you would need personal business use cover for those sorts of journeys.
Motorists should be aware that after 30th April 2021 car insurance companies will return to normal as far as what class of cover will be needed. So, it is important that motorists make sure that they do not use their cars for purposes that they are not covered for. You may wish to speak to your existing motor insurance provider.
Another thing to consider is the amount of miles that you are going to be driving your car over the next 12 months or so. There will be some employers who will continue home working for their employees whether that be on the basis that an employee can continue to work permanently from home or perhaps working from home say 3 days a week and 2 days in the office. If this is the case, this means that you are likely to be doing fewer miles in your car.
How many miles you spend behind the wheel of your car is also a factor that effects how much you will be charged by your motor insurance provider. This is because the more miles you drive the more chance you have of being involved in a road traffic accident and therefore claiming on your policy. So, if the above applies to yourself, you ought to get in contact with your insurer to let them know. After all, it may lead to a reduction in the cost of your car insurance that, in the current financial climate, is something that you would no doubt welcome.
