Some comment from Ageas on the difficulty of Coronavirus refunds on car insurance;

“In these unprecedented times, we’re continuously reviewing our customer proposition to ensure we will reasonably adapt to best meet their needs. In anticipation of consumers traveling less, we will confirm that we’ve already reduced our pricing to reflect the present situation.

The lockdown has had a varied impact on our product lines. While motor claims frequencies have reduced, there also are a variety of unknown variables like how long we expect to be in lockdown, what impact this may wear travel habits once we return to normality, and whether there’s a lag in personal injury claims. We still work with industry bodies and our intermediated channel so that that, when we have a more informed view on things, we’ll be during a better position to think about fair options for our customers.

Other actions we are taking include extending free breakdown cover to our direct customers who work for the NHS, and where a customer may be a key worker (as defined by the UK government) and that they got to visit different locations, they don’t get to worry about changing their automobile insurance. And where a customer helps their community by volunteering to deliver food or medicines, they are doing not got to extend their cover.”

The good news today for the UK’s car and van owners, as market-leading car insurer Admiral decides to refund drivers £25 across the board. The refunds are automatic and you don’t have to fill a form in or apply by phone.
In the USA, many insurers have refunded on percentage terms, so a policyholder gets 15% or sometimes 20% of their monthly policy costs, again paid automatically.

Others like American Family Insurance have refunded a straight $50, which is about £40 Sterling. Here’s the press info from Admiral – IE will update this story as other UK insurers announce similar partial refunds.

A Hastings spokesperson said:
“Our focus has been and continues to be, to try to do the proper thing for colleagues and policyholders and our communities during Covid-19. additionally, to charity and colleague actions, we’ve already passed on a variety of advantages to customers, including price reductions and fee waivers, and support for those with payment difficulties, and provided extra help and benefits for NHS and care workers including free breakdown.

We do shall pass further benefits back to customers and can communicate more on this as soon as we’ve firmed up our plans.”

Here’s the press info from Admiral;
Admiral, the UK’s leading car insurer, has revealed that it’ll refund £110million to its car and van insurance customers in recognition of the very fact that its customers are staying at home and driving less during the united kingdom wide Covid-19 lockdown.

A £25 refund is going to be automatically given to all or any customers for every car and van covered
with Admiral as of 20th April 2020, a complete of 4.4m vehicles.

Admiral is giving its customers the refund to reflect that there are fewer cars on the road during the lockdown and it expects this to end in fewer claims. Customers don’t need to take any action to receive the refund, it’ll automatically be credited to them by the top of May.

Admiral is going to be contacting customers over the approaching weeks to elucidate how they’re going to receive the payment, but they will find full details about the refund by visiting

The combined initiatives in total are like roughly a month’s premium income, or a third of its 2019 profits, and passes on the savings from reduced claims the corporate may otherwise have benefitted from during the lockdown.
Admiral intends to return estimated savings to its customers instead of enjoying reduced driving during the lockdown.


This just in from Cuvva;
Admiral appears to be the primary UK insurer to supply a £25 rebate for those customers that hold a motor or van policy with them, while vehicles sit reception unused, as a result of the countrywide lockdown. Flexible insurance provider, Cuvva was amongst other industry players that put pressure on the incumbents to return to the party to raised support their customers by offering fairer, more flexible insurance, during a time of need.

This follows the wide movement from variety folks insurers who committed to refunding customers thanks to less traffic on the roads, which cause fewer accidents and fewer claims.

Commenting on the newest development within the UK insurance rebate debate, Cuvva founder, Freddy Macnamara said: “No doubt this is often a step in the right direction, but a one-month premium holiday split over April and should more accurately reflect motor usage during a lockdown and extended periods of isolation.

“Motor insurance incumbents could make the maximum amount of £1 billion in profits from a discount in claims of up to 50 percent. It’s only fair that those funds are returned to customers automatically, in line with individual policies.” Insurers during several other countries have also started offering customers rebates that more fairly align with customers’ actual motor usage during these periods of uncertainty.